Unity One CU informs: Mortgages designed just for you!

Your House. Your Loan. We know mortgages – like houses – are not one-size-fits-all. That’s why we offer a variety of loan programs along with personalized service to find a loan that best fits your needs. We’re always making sure to keep you at the center of the process.

  • Competitive interest rates and points
  • Low closing costs
  • No prepayment penalties
  • Online application
  • Knowledgeable, friendly mortgage specialists to assist you at every step until closing

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Credit union informs: When to refinance your home

According to the Flower Mound edition of Living, it's common to hear people discuss mortgage refinancing, which leads you to wonder when is it the best time for you. It's not always and easy decision. unity one

Below are a few tips to help you determine when refinancing works for you and your family:

  • How is your credit score? If it's lower than when you first got your mortgage, you have a chance of getting a better interest rate.
  • Recalculate your break-even point. Don't forget about all the costs associated with refinancing, including a prepayment penalty.
  • Understand the amortization process. If you have had your mortgage a long time, more of your payment goes toward the principal vs. the interest. When you refinance, this process will restart, which means more of your monthly payment will be credited to paying interest and not to building equity.

If you are considering refinancing your mortgage, Unity One CU can help connect you to a reputable company. Let's talk about it.

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