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When it comes to mortgages, less is more. Less interest. Less hassle. More savings.
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Did you know we offer several low-rate refinance options, where closing costs can be as little as $295* When closing costs are this low, the break-even calculations are simple. At Third Federal, the rates you see here are the rates you get when you apply for a loan. Take a look at the chart below to see the refinance rates in your area.
Homeowners refinance for many different reasons – no two situations are the same. Some folks refinance to lower their monthly payment and save money while others want to pay off their mortgage sooner, which also saves money. In other cases, some people want additional cash for family needs and apply for a mortgage refinance to borrow against the equity in their home. It can actually be one of the smartest and most efficient ways to borrow.
Keep in mind; it doesn’t always make sense to refinance your mortgage. It depends on your current rate, loan term, the current rate environment, and what your objective is. Experts once said that you should only refinance when you can reduce your rate by 2% or more, but there really isn’t a rule determining when to refinance. Some homeowners use a break even time period, which calculates how long it will take to break even on the cost of refinancing to a lower rate or shorter term. Luckily, Third Federal can help you make this important decision.
With Third Federal, the rate you see is the rate you get, even if you want to take cash out.
Because you shouldn’t need a loan to close one.
Third Federal understands you’re busy. That’s why we offer a 60-day rate lock. (Twice the time compared to most other lenders.)
Third Federal offers a discount for Jumbo Loan rates. Most lenders do the opposite.
Looking To Refinace?
That means you'll have one place to send your mortgage payments and one number to dial for service.
It allows you to relock your rate to our current rate without the hassle of a traditional refinance.
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