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HFCU Branches Closed August 16, 2025

Please note that all HFCU Branches will be closed on Saturday, August 16 for Employee Appreciation Day. Our Contact Center is available 24/7 by calling 888.252.8932. 

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Mortgages and Home Refinancing

A family plays with boxes in their new home

Mortgages That Matter

It doesn’t make a difference if you are a first-time homebuyer or purchasing your retirement home – every mortgage matters. Our lending specialists partner with you to find the right loan, best benefits, and flexible features that fit your future.

  • Fixed-rate terms with predictable monthly payments for 10, 15, 20, or 30 years
  • Adjustable-rate terms, fixed for an initial period and then adjusting annually after that by no more than 2% each year and no more than 6% total over the life of the loan
  • Jumbo mortgage loans for higher-priced properties that exceed conventional limits

    check Current mortgage rates   Apply now for a mortgage   Connect with a Lending Specialist

    Woman holding construction plans while renovating a home

    Renovation Loans

    The Mortgage Add-On for New Home Makeovers 

    Add more funds to your mortgage so you can renovate that fixer-upper or cover those must-have upgrades that will turn a new house into your dream home.

    • Increase your mortgage loan amount up to $100,000 to renovate your new home
    • Finance up to 95% of the sales price plus the cost of renovation, or 95% of the appraised value after the renovation, whichever is lower
    • For more extensive renovations, a licensed contractor is required to provide estimates and complete the work
    • Funds are held in escrow and released when the project is complete. Progress payments can be made based on materials purchased and work completed
    • Final appraisal is required upon completion of the renovation

    A couple enjoying their backyard

    Refinance Your Way Home to Smarter Spending & Saving

    Refinancing your current mortgage is a smart spending and saving option that can help with personal priorities such as home improvements, debt consolidation, and lowering your monthly payment. Other benefits include: 

    • Lower interest rates
    • A shorter loan term
    • Access to your home’s equity


    check Current mortgage rates   Apply now to refinance   Connect with a Lending Specialist

    Disclosures

    1 APR = Annual Percentage Rate.

    2 Rates "as low as." Rate based on your credit history. Actual rate may be higher.

    3 Rate displayed is the lowest rate available. Loan rates will vary based on credit qualifications and all loans are subject to credit approval. All rates subject to change without notice. Initial $25 deposit for membership required. Terms and conditions subject to change without notice. Certain restrictions apply.

    4 The information provided by this calculator is not guaranteed and is for educational purposes only. Your loan details may differ and will be subject to credit approval.

    5 APR = Annual Percentage Rate. PMI = Private Mortgage Insurance. Rate is current as of 8/1/25. $350,000 max loan amount for first time homebuyers or those who have not had a property deeded within the last three years. Down payment: $0 for qualified borrowers up to $350,000 loan amount. Applications are subject to underwriting. Credit approval and document preparation fees apply. For example, a $350,000 loan at 7.25% APR would have monthly payments of approximately $2,388. Repayment terms: 360 months. Terms and conditions subject to change without notice. Certain restrictions apply. Contact a mortgage loan officer at 888.252.8932 for full program details. Equal Housing Lender.

    6 Contact a mortgage loan officer at 888.252.8932 for full program details.