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Now Is the Time

Lower your payments and save money

Get Prequalified
  • Your Home at A Better Price

    Mortgage rates are near the lowest they have ever been. Now is the time to refinance your mortgage if you want a better interest rate or to lower your monthly payments. Get cash back for what you need most, whether it’s to fund a large purchase, or pay off your mortgage faster. We offer flexible refinancing options to fit your specific needs and save you money. Our experienced team at Member Home Loan will guide you through the process whether you’re currently financed with AFFCU or another lender.


    NMLS # 105693

    9601 Jones Road, Suite 108

    Houston, TX 77065

    Main: 832-912-2151


    • Personalized service from the experts at Member Home Loan
    • Competitive rates and closing costs
    • Lower monthly payments and better terms
    • Quick approval and closing

    “AFFCU is awesome! They treat me like family whenever I walk into any branch. They care about your financial situation and take the time to help you improve your credit. They will tell you what you need and put their money where their mouth is. They helped me get a loan to start my recovery process to a better credit score. Now they just approved me for a car loan and I couldn’t be happier with AFFCU!”

    Joe Fernandez, member since 2013
    Ready to refinance?

    See how much you can save

    Get Prequalified

    FREE Mortgage Relief Interactive Lesson

    Explore how to get back on track if you are having trouble making mortgage payments or are worried that your payment will be late in the future.


    Mortgage Refinance Article

    Refinancing allows you to make changes to your mortgage that will allow you to lower your monthly payment, pay down the loan more quickly, or switch to a different type of mortgage entirely.


  • Type Mortgage Loan Rates

    Rates Effective as of: 01-27-2022
    Term Rates APR1 as low as Payment Amount (P&I)
    15 Year Fixed Conventional 2.875% 3.175% $821.50
    20 Year Fixed Conventional 3.375% 3.609% $688.27
    30 Year Fixed Conventional 3.500% 3.668% $538.85
    30 Year Fixed VA 2 3.750% 3.920% $555.74
    30 Year Fixed FHA2 3.625% 3.794% $547.26

    1 APR = Annual Percentage Rate

    Mortgage services offered in partnership with Member Home Loan.

    Loans are subject to credit and property approval. Certain restrictions and conditions apply. Programs and guidelines subject to change without notice.

    All rates are subject to change daily, without notice. Rates are available for properties located in Texas.

    The above rates contain a 1% origination fee for conventional loans.

    Membership eligibility required. Payment examples based on a $120,000 loan amount with an 80% LTV and 740 FICO score required. Estimated payment does not include taxes and insurance premiums, actual payment may be greater.

    For mortgage rate inquiries specific to your situation please complete this form.

    Please call 832.912.2151 to know more about VA rates.

    2 The rate and APR are subject to their Branch of Service and the Funding Fee Status.

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