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Purchase your home today then refinance at a lower rate later!
If you purchase your home with us, you will have the option to refinance in as early as 4 months after you close on your home, and you will receive a $1000 closing cost discount(1) . This discount will cover a substantial amount of the refinance closing costs. Plus, you can expect the same personalized service you received when you purchased your home.
(1)To be eligible, purchase loan must close on or before 12/31/2024. Option to refinance must take place no earlier than 4 months and no later than 18 months from the closing date of initial mortgage loan. Future refinance must be a no cash-out refinance and must qualify based on a complete analysis of your credit, income and property value. Conventional financing only. New loan amount must be a minimum of $125,000 and new interest rate must be at least 1% lower than your current loan rate. Cannot be combined with any other offers and other restrictions or conditions may apply.
We thank you for your service!
To show our gratitude for your service to our country, Earthmover Credit Union will not charge origination fees on any VA loan, and we will also reimburse the appraisal cost on VA purchase loans (1).
(1) Origination fee does not apply to points charged to borrower to "buy-down" the interest rate on the loan; reimbursement of appraisal cost not to exceed $460.
Refinance your home today then refinance at a lower rate later!
If you refinance your mortgage with us, you will have the option to refinance again in as early as 4 months, and you will receive a $500 closing cost discount (1). This discount will offset a significant portion of the refinance closing costs. Plus, you can expect the same level of personalized service.
(1)To be eligible, initial mortgage loan must close on or before 12/31/2024. Future refinance must take place no earlier than 4 months and no later than 18 months from the closing date of initial mortgage loan. Future refinance must be a no cash-out refinance and must qualify based on a complete analysis of your credit, income and property value. Conventional financing only. New loan amount must be a minimum of $125,000 and new interest rate must be at least 1% lower than your current loan rate. Cannot be combined with any other offers and other restrictions or conditions may apply.
We can't wait to work with you on your journey to homeownership!
Earthmover Credit Union will reimburse appraisal(1) costs for all first-time homebuyers. Let's move forward together.
(1) First-time homebuyer is defined as no homeownership within the past 3+ years; reimbursement of appraisal cost not to exceed $460; minimum loan amount of $150,000 required and cannot be combined with any other offers.