Skip to main content

Fraud Activation Code Alert: We have been made aware of scammers pretending to be from Align Credit Union and asking for members to provide an activation code. This is a fraud tactic; Align Credit Union will not call any members regarding supplying an activation code. If there is any question, please contact us at 800-942-9575.

Home Refinance

Refinancing your mortgage has the potential to save you thousands of dollars over the life of your loan. If you want to take advantage of lower interest rates or the value of your home has increased, refinancing may make sense for you. But is it the right option?

Our home refinance process will help you take control of your mortgage expenses. We can help you decide by looking at the big picture and what you want to accomplish. 

Fixed Rate Mortgage

  • Various terms available
  • Easy to budget with predictable monthly payments
  • Consider a fixed rate mortgage when:
    • You don't plan to move for a number of years
    • You don't want to worry about rising interest rates
    • You expect your income to remain stable.

Adjustable Rate Mortgage

  • Fixed interest rate for the initial term then adjust for second term option according to an index.
  • Saves money with lower starting interest rate compared to a fixed rate.
  • Consider an adjustable rate mortgage when:
    • You plan to move or payoff your mortgage within 15 years
    • You want a lower monthly payment and are comfortable with a variable rate.

Disclosure:

APR= Annual Percentage Rate 

This website uses cookies in order to offer you the most relevant information. Please "Accept & Continue" for optimal site performance. For more information, please visit our Privacy Policy page.