Skip To Content
Routing Number: 263181384

Mortgage Refinance

Refinance your way to savings and peace of mind.

How Do Our Mortgage Refinance Options Compare?

We know every homeowner has unique goals when it comes to their mortgage. That’s why we offer a range of refinancing options, including our Home Loan Refinancing and Fast Track Refinance Mortgage, so you can find the solution that fits your needs—whether it’s saving on monthly payments or paying off your loan faster.

Fast Track Refinance

Reach your goal of being mortgage free sooner than you had originally planned.

  • 5 and 10-year terms available
  • Minimum loan amount $10,000
  • Maximum loan amount $500,000
  • Up to 80% financing available

Cash-out Refinance

If you want to refinance your home loan at a better rate while using the equity in your home to borrow additional funds, this option is for you.

  • 10, 15, 20 and 30-year terms available
  • Use the equity in your home to access additional funds for new financial needs
  • Up to 80% loan to value for single-family homes
  • Up to 75% loan to value for investment properties, second homes, lot loans & condos

Balance-only Refinance

This refinance option is perfect for someone who is looking to lower their monthly payment or shorten the length of the term on their current home loan.

  • 10, 15, 20 and 30-year terms available
  • Up to 95% loan to value for single family homes
  • Up to 80% loan to value for second homes
  • Up to 75% loan to value for investment properties, second homes, lot loans & condos
  • Your current home loan must have a balance of $25,000 or more

Award-Winning Digital Banking Experience

Feel empowered by a top-rated banking app that gives you the flexibility to make managing your money easier than ever. From personal financial management options to bill-pay and everything in-between, you’ll be in shape to accomplish your financial goals in no-time.

Digital Banking
Girl holding her mobile phone with the Digital Banking app

School Pride + Card Design

Show your school pride with our exclusive debit card designs! From fan-favorite styles to bold, personalized options, every card helps you make a difference. With each swipe, a percentage goes back to your school or supports the Addition Financial Foundation—because banking with us means giving back.

Card Designs

Related Articles

When Does It Make Sense to Refinance a Commercial Real Estate Loan?
Business

When Does It Make Sense to Refinance a Commercial Real Estate Loan?

If you have a commercial real estate loan, refinancing can be a good way to get a more advantageous interest rate or reduce your monthly payment.

Money Taboos Part V: Debt Consolidation & Refinancing Deep Dive
Money Management

Money Taboos Part V: Debt Consolidation & Refinancing Deep Dive

Explore the differences between consolidation and refinancing, the benefits of both, and everything else you need to know to effectively manage debt.

16 Pros & Cons of Credit Card Refinancing vs. Debt Consolidation
Credit Cards

16 Pros & Cons of Credit Card Refinancing vs. Debt Consolidation

Here are 16 pros and cons of credit card refinancing vs. debt consolidation to help you make the best choice for your financial future.

You are being redirected to a site out of our control

By clicking CONTINUE below, you will be leaving AdditionFi.com to visit an external website that is not owned or operated by Addition Financial Credit Union. Please note that Addition Financial is not responsible for the content of the external website and does not represent either you or the external website owner/operator in any transaction(s) that may result from your visit to the external website. Further, the external website’s privacy and security policies may differ from those practiced by Addition Financial.