Refinance Mortgage Loans

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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

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
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The Fine Print

The important details

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.