Refinance Your Mortgage

First Federal offers a variety of options for the refinancing of your 1-4 unit, manufactured home, second home or your rental/investment home. You can select fixed or adjustable interest rate options, with a maximum loan term of 30 years. Cash-out options are available.

Could refinancing be right for you?

Refinancing could potentially:

  • Lower your monthly payment or help you pay off your loan quicker
  • Allow you to consolidate debt
  • Provide access to funds with cash-out refinancing
  • Include closing costs within your refinance

NOTE: All terms and conditions are subject to change without notice.


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Refinance Rates

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Loan Term Interest Rate APR* Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 3.250% 3.280% -0.125 $300,000.00 $1,305.62
15-year Fixed Rate Refinance 2.625% 2.696% 0.00 $300,000.00 $2,018.07

Interest Rates Effective: 05/13/2021

Rates listed are for primary residence in single family home with a 25% down payment. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

*APR refers to Annual Percentage Rate.


Need more information? Contact our Mortgage Loan Officers to discuss your options and let us help guide you through this process.


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