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Refinance Mortgage Loans

Come see us to lower your rates and start saving.

What You Need:

  • Be a Latino Community Credit Union member
  • Proof of employment for the last twelve (12) months (pay-stubs and most recent W2)
  • If self-employed, the most recent two (2) years of signed federal income tax returns)
  • If mortgage has been kept for less than eighteen (18) months, you will need to provide a minimum of two (2) lines of traditional or alternative credit active for at least six (6) months
  • Current insurance policy and copy of all the deeds to the house

 

What You Get:

  • Standard Refinancing and Cash-Out Refinancing*
  • Financing closing costs may be available
  • Fixed Rate Loan Maximum Term: 20 years
  • Adjustable Rate Loan Maximum Term: 30 years
  • No Private Mortgage Insurance (PMI) required
  • Access your account online and do much more with our online services. Click here for details
  • Free access to your FICO® Score through LatinoConnect Online or the Mobile App, with no impact to your credit. Track your score, understand the factors that influence it, and stay in control of your financial health. Learn more here
  • Maximum Loan-T0-Value can be up to 90% for Cash-Out Refinancing based on Occupancy and Property type.
  • Manufactured Homes are limited to 65% Cash-Out Refinancing and must be a Primary Residence.
  • Maximum loan amount of $1,000,000 depending on Occupancy and Product chosen.
 

Mortgage Calculator

CFPB Home Loan Toolkit