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Mortgage - Refinance Rates

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Mortgage - Refinance Loan Rates

At Wings Financial, we’re bringing something new to the mortgage world: flexibility. With a wide range of fixed and adjustable-rate options, Wings offers the choices, experience and support to help you finance or refinance your home. At the end of the day, it’s not about fitting a member into a mortgage. It’s about fitting the right mortgage to a member.

Fixed-Rate Loan
(up to $647,200)

Fixed-Rate Loan Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
30 Year 6.250% 6.292% $250,000 $1,539.29
20 Year 6.000% 6.055% $250,000 $1,791.08
15 Year 5.500% 5.568% $250,000 $2,042.71
10 Year 5.500% 5.597% $250,000 $2,713.16

Adjustable-Rate Loan
(up to $647,200)

Adjustable-Rate Loan Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
15/1 ARM 5.750% 5.818% $250,000 $1,458.93
10/5 ARM 5.750% 5.847% $250,000 $1,458.93
10/1 ARM 5.375% 5.471% $250,000 $1,399.93
7/1 ARM 5.250% 5.383% $250,000 $1,380.51
5/1 ARM 5.000% 5.182% $250,000 $1,342.05

Jumbo Loan
(greater than $647,200)

Jumbo Loan Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
30 Year Fixed 6.250% 6.263% $800,000 $4,925.74
15/1 ARM 5.625% 5.647% $800,000 $4,605.25
10/5 ARM 5.625% 5.656% $800,000 $4,605.25
10/1 ARM 5.250% 5.281% $800,000 $4,417.63
7/1 ARM 5.125% 5.168% $800,000 $4,355.90
5/1 ARM 4.875% 4.933% $800,000 $4,233.67
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume 80% Loan-to-Value (LTV) and $1099.50 ($1129.50 JUMBO) estimated borrower pre-paid finance charges. If the LTV is greater than 80%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
Rate Locks - 60 Days - No Fee
$950 loan origination fee - Additional third-party closing costs will apply.

Additional Fixed Rate Terms:
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.

Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 90% LTV with no PMI is subject to a rate add on of 0.125%


Membership with a $5 Share Account required.

Rates effective as of December 2, 2022 and subject to change.