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First Mortgage Savings up to $2,000!

Real estate rates are still among the lowest in generations. Now is the right time to refinance your mortgage before rates go up. There are many reasons to refinance, including:
Jumbo Loans
  • Rates as low as 2.750% APR1
  • Savings up to $2,000 with our No Points, No Fees First Mortgage2
  • Reducing the term of your loan
  • Lowering monthly payments
  • Getting cash out
  • And much more!

View Mahalo Specials




APR=Annual Percentage Rate.

All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose, and income/financial obligations. A minimum credit qualifying score is required. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Other terms and conditions subject to change without notice. Call for complete details.

1
The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU Checking Account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice.

Eligible properties are primary residence single-family homes, Planned Unit Development (PUD) properties and condominiums in California.

2
Waived settlement fees: appraisal; recording; flood certificate; credit report; loan documents; escrow and sub-escrow; title lender policy and tie-in; messenger; wire; tax service, notary; termite inspection. The maximum waived settlement costs will not exceed $10,000. Fees not waived: pre-paid costs such as interest; taxes; mortgage insurance premiums; HOA (Home Owners Association) dues; hazard or flood insurance; owner’s title insurance; transfer taxes; impound accounts, and outside third-party fees, such as HOA certification/questionnaire and subordination fees. Discount points to buy-down rate are not allowed. If the loan is paid off within 36 months, borrower(s) must reimburse FFCU for all waived settlement costs. The waived settlement costs will be added to the account balance, included on the loan payoff demand statement, and must be paid prior to a reconveyance of the Deed of Trust. Call for complete details.

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  • No points, No fees—enjoy savings of over $1,7001
  • Down payment options as low as 3%2
  • Very competitive rates—historically low so check rates daily
  • Convenient purchase and refinance options with wallet-friendly terms
  • Expert guidance throughout the entire process
  • And much more!
  • All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice. Other restrictions may apply. Call for complete details.

    1Waived settlement fees: appraisal; recording; flood certificate; credit report; loan documents; escrow and sub-escrow; title lender policy and tie-in; messenger; wire; tax service, notary; termite inspection. The maximum waived settlement costs will not exceed $10,000. Fees not waived: pre-paid costs such as interest; taxes; mortgage insurance premiums; HOA (Home Owners Association) dues; hazard or flood insurance; owner’s title insurance; transfer taxes; impound accounts, and outside third-party fees, such as HOA certification/questionnaire and subordination fees. Discount points to buy-down rate are not allowed. If the loan is paid off within 36 months, borrower(s) must reimburse FFCU for all waived settlement costs. The waived settlement costs will be added to the account balance, included on the loan payoff demand statement, and must be paid prior to a reconveyance of the Deed of Trust. Call for complete details.
    23% down available for loan amounts up to $850,000 for qualified borrowers. Loan limits and other loan qualification criteria apply.


    FFCU is an Equal Housing Lender. Federally insured by NCUA. NMLS# 782737

    Learn more
    For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.



    First Mortgage: Purchase

    Effective: 8/2/21
    Loan Type: PurchaseInterest RateAPR1PointsTermMonthly Principal & Interest Payments Note
    No Points/No Fees
    Fixed-Rate First Mortgage: CONFORMING (with loans up to $548,250)
    APR & Payment based on $400,000 loan
    2.750%2.812%0.00030 years

    Terms 10,15, 20 years also available.
    $1,632.96Rates subject to change daily.

    Request More Information
    Fixed-Rate Mortgages: High Balance (loans from $548,251 to $822,375)
    APR & Payment based on $625,000 loan
    2.750%2.797%030 Years

    15yr Terms available
    $2,551.51Rates subject to change daily.

    Request More Information
    Fixed-Rate Mortgages: JUMBO (loans up to $1,500,000)
    APR & Payment based on $850,000 loan
    2.750%2.790%030 years

    15 yr term also available.
    $3,470.05Rates subject to change daily.

    Request More Information

    First Mortgage: Refinance

    Effective: 8/2/21
    Loan Type: RefinanceRateAPR1PointsTermMonthly Principal & Interest PaymentsNote
    No Points/No Fees
    Fixed-Rate: Conforming (loans up to $548,250)
    APR & Payment based on $400,000 loan
    2.750%2.817%030 years

    Terms 10,15, 20 years also available.
    $1,632.96Rates subject to change daily.

    Request More Information
    Fixed-Rate: High Balance (loans from $548,251 to $822,375)
    APR & Payment based on $625,000 loan
    2.750%2.797%030 years

    15 year also available.
    $2,551.51Rates subject to change daily.

    Request More Information
    Fixed-Rate: Jumbo (loans up to $1,500,000)
    APR & Payment based on $850,000 loan
    2.750%2.793%030 years

    15 year also available
    $3,470.05Rates subject to change daily.

    Request More Information

    1APR=Annual Percentage Rate. The rate you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. Rates above reflect a 60% loan-to-value, a credit score of 740 or higher and a 0.25% relationship discount for automatic payments from a FFCU Checking Account. A minimum credit qualifying score is required. All loans subject to approval. Rates subject to change without notice.