Refinance

Home Refinance

Refinancing your mortgage has the potential to save you thousands of dollars over the life of your loan. If you want to take advantage of lower interest rates or the value of your home has increased, refinancing may make sense for you. But is it the right option?

Our home refinance process will help you take control of your mortgage expenses. We can help you decide by looking at the big picture and what you want to accomplish. 

Fixed Rate Mortgage

  • Various terms available
  • Easy to budget with predictable monthly payments
  • Consider a fixed rate mortgage when:
    • You don’t plan to move for a number of years.
    • You don’t want to worry about rising interest rates.
    • You expect your income to remain stable.

Adjustable Rate Mortgage

 
  • Fixed interest rate for the initial term then adjusts for second term option according to an index.
  • Saves money with lower starting interest rate compared to a fixed rate.
  • Consider an adjustable rate mortgage when:
    • You plan to move or payoff your mortgage within 15 years.
    • You want a lower monthly payment and are comfortable with a variable rate.
The Benefits of Membership

The Benefits of Membership

Align is full service credit union. We can do everything the big banks can, while delivering an experience perfectly tailored to you and your needs. Membership has great benefits!
Convenient Access to Your Accounts

Convenient Access to Your Accounts

With Align’s eServices, you can access your accounts anytime, anywhere, and on any device. Between online banking and our mobile apps, you can take control of your money on your own terms.