Low Fixed Rate Home Mortgage and Refinance Offers

Start the new year with new memories

Get in your dream home or save more with some of the lowest fixed rates as low as 3.50% APR*! 

New year. New memories. Friends and family gathered around the dining room table or picnic table - whatever your plans are, refinance your existing mortgage from another lender and save each month to do what inspires you.

MyPoint Home Mortgage and Refi Offers

Get doing in a few easy steps:

*30-Year Fixed Rate ANNUAL PERCENTAGE RATE 3.500% (APR). The rate may vary depending on each individual’s credit history and underwriting factors. Effective December 2, 2019. Loans are subject to credit approval. California properties only. Membership in MyPoint Credit Union required. Rates based on a rate and term refinance or purchase transaction, 80% loan-to-value, excellent credit score, single family residence, and owner-occupied. Payment example is for illustration purposes only and is based on a 30 year fixed rate loan term with a loan amount of $484,350, at a rate of 3.500%/3.508% APR; 359 payments of $2,176.39; 1 payment of $2,169.23. Verification of income, assets, appraised value, hazard and if applicable flood insurance will be required. Payments will be higher with property taxes and insurances. Existing mortgage loans with MyPoint Credit Union are not eligible. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.