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Refinance Mortgage Loans

Come see us to lower your rates and start saving.

What You Need:

  • Be a Latino CU 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 electronic services. Click here for 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.

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