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A Mortgage Experience Like No Other

Wherever you are in life, we make your dream of affordable homeownership achievable.  Customize your mortgage to help you land your first home, vacation home, or to save on your mortgage payment by refinancing your home loan.

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Affordable Mortgage Rates | Refinance Rates

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit history and are subject to change without notice.

2 Conforming jumbo rates available for loans that exceed conforming limits and are for amounts up to $1,089,300 depending on property location.

Discounted rate of 1.50 BPS applies only to First-Time Homebuyer purchases only. FHA, and other certain types of loans may be excluded from the Home Loan Special.  Members who are not First-Time Homebuyer eligible, are able to receive a max 7/6 ARM rate discount of 1.00 BPS. on a new purchase only, refinances are excluded. The rate discount is based off the listed 30-year rate on the day the rate lock occurs. 

Rates as of February 22, 2024
Term
Rate
Points
APR1
Term
30 Year Fixed
Rate
6.125%
Points
2
APR1
6.44%
Term
30 Year Fixed
Rate
6.875%
Points
0
APR1
7.00%
Term
15 Year Fixed
Rate
6.50%
Points
0
APR1
6.70%
Term
FHA, CHFA, VA and USDA
Rate
Market rates
Points
APR1
Term
30 Year Fixed Conforming Jumbo2
Rate
Market rates
Points
APR1

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit history and are subject to change without notice.

2 Conforming jumbo rates available for loans that exceed conforming limits and are for amounts up to $1,089,300 depending on property location.

Discounted rate of 1.50 BPS applies only to First-Time Homebuyer purchases only. FHA, and other certain types of loans may be excluded from the Home Loan Special.  Members who are not First-Time Homebuyer eligible, are able to receive a max 7/6 ARM rate discount of 1.00 BPS. on a new purchase only, refinances are excluded. The rate discount is based off the listed 30-year rate on the day the rate lock occurs. 

Get in touch with us or start your Mortgage application here:

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Buy Your Dream Home or Refinance and Save

Customize Your Mortgage & Payment

Wherever you are in your home-buying journey, we are here for you and will be by your side every step of the way. Saving money for you and your family is important! Our mortgage options give you control over finding the perfect mortgage payment that fits your unique needs. Ready to get pre-approved to lock in your rate? Get in touch with us now!

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Borrow It All

Pay no initial down payment and borrow the entire amount of the cost of your new home. 100% financing makes homeownership possible. 
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Flexible Terms

You are in control! With both fixed rate and variable rate mortgage options, you get to decide which works best for your unique situation and budget.
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Expert Advice

Enjoy a stress-free experience with the help of a personal mortgage loan advisor! Cindy will help you decide on the best mortgage option for you!
Meet Cindy
Stress-Free Mortgage Experience

Your Personal Mortgage Advisor

Meet Cindy Berger, your personal mortgage loan advisor. Enjoy a streamlined mortgage process so you can get into your dream home stress-free. If you are just starting to look or ready to get pre-qualified get in touch with me today!
  • Expert Trusted Advice
    She has more than 20 years of experience in Credit Union Mortgage Lending.
  • Custom Mortgage Options
    She is there with you every step of the way providing solutions to your unique needs.
  • Relationship Not Just a Transaction
    She has a passion for helping people like you to look out for your best interest.
Get In Touch
CindyBerger
How Much House Can I Afford?

Mortgage Calculator

If you are a first time home buyer, a home buying veteran, or are looking to save by refinancing your existing home loan, we have you covered! Explore how our affordable adjustable rate mortgage and fixed rate mortgage options can help you create a payment that works for your unique budget. 

Your actual term and payment will be provided upon acceptance of a Finex Credit Union Mortgage. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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Wherever You Are In Your Home Buying Journey...

We Are Here For You!

Buy your first home with Finex Credit Union.

One Step Closer To Your New Home

If you're a Connecticut first time home buyer searching for an affordable mortgage, you can save big with a Finex Credit Union FHA loan. Apply online 24/7 and stash away your extra savings for your next "first!"

  • Low down payment requirements.
  • No need for a perfect credit score.
  • Relax and let us handle the details.
  • Apply online 24/7 from anywhere.
Apply Now
This young woman saved money by refinancing her mortgage with Finex Credit Union

Refinance Rates That Save You More

You can count on saving when you refinance your mortgage when current mortgage rates and refinance rates are lower than what you are currently paying. Here are more ways refinancing can help:

  • Get more room in your monthly budget.
    • Refinancing your current mortgage to one with a longer term may help you reduce your monthly mortgage payment.
  • Pay off your mortgage faster.
    • Refinancing your existing mortgage into one with a shorter term could help you pay your home loan off faster.
  • Access your equity. 
    • Consolidate your debt or make improvements by using the equity (the difference between how much your home is worth and what you owe) you have built in your home.
Apply Now
Downsize your home with a mortgage from Finex credit union.

A Loan That's Just The Right Size

If the kids are out of the house and it's time to downsize, look no further than Finex Credit Union! We have the rates and terms you need to stay on budget with your next home purchase.

  • 10 - 30 year fixed terms.
  • Adjustable rate mortgage options.
  • No down payment is required.
  • Borrow the entire amount of the cost of your new home (100% financing).
Apply Now
How Much House Can I Afford in Connecticut Guide Cover
Download Your Free Guide

How Much House Can I Afford in CT?

Our financial education experts have compiled this great guide for you to review to determine how much house you can afford. Fill out the quick form below to gain access!

Home Loan Options: Find Your Match

Conventional Mortgage Options

A wide range of home buyers and property types qualify for conventional mortgages. While not part of a specific government program, Finex Credit Union's conventional mortgages still provide an affordable loan option to secure your dream home.

  • 10 - 30 year fixed terms.
  • Adjustable rate mortgage options.
  • No down payment is required.
  • Borrow the entire amount of the cost of your new home (100% financing).
Explore Details

Jumbo Mortgage

If your dream home requires a mortgage that is larger than $726,200, a Finex Credit Union Jumbo Loan can you help make it happen.

  • Competitive jumbo mortgage rates.
  • Multiple property types are covered including your first home, vacation home, rental property, or condo!
  • Personal Mortgage Loan Advisor to help you navigate our streamlined mortgage process.
Explore Details

FHA Loan

If you are a first time home buyer, working to build your credit score, or trying to save for a down payment, a FHA loan could be the perfect mortgage for you! 

  • Low down payment options.
  • Low credit score requirements.
  • Mortgage must be for your primary residence, no second homes or investment properties.
Explore Details

VA Loan

If you are an eligible military service member, a VA loan can help you buy, build, or improve a home while offering you better terms than a typical home loan. Looking to refinance your current home loan? A VA loan can help with that too!  

  • No down payment required.
  • No Private Mortgage Insurance (PMI) required.
  • Lower credit score requirements.
Explore Details

USDA Loans

If you are considering buying a home in a rural area, you may benefit from a USDA (United States Department of Agriculture) loan.

  • Property must be in an eligible rural area.
  • No down payment required.
  • Lower credit score requirements.
  • You must live in the home.
  • The home must serve as your primary residence. 
Explore Details

What our members are saying...

"Fantastic experience with the team here. From day one, they were on it. They offered a very competitive rate and terms. They really differentiated themselves with service. Great communication throughout, easy process to get them things. The best mortgage experience I’ve ever had bar none. I highly recommend them."
Scott
"The whole refi process was effortless with no stress. Everyone we dealt with was helpful and informative. I will be highly recommending them to everyone. The process from start to finish went smoothly and much quicker than I expected."
Dawn
"They were great to work with! They made the process very straightforward. Communication was great so I always knew where we were in the process. Thanks so much!"
Thomas
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Mortgage Resources Just for You

Wherever you are, dive into our latest articles on home buying tips, ways to save on your mortgage, and more!
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Part of being a homeowner is being prepared when the weather can impact your house. While it is a good idea to be ready for any ...

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Your Mortgage Questions, Answered

Frequently Asked Questions

Does it make financial sense to rent or buy a home?

We get the question a lot, but there's no right or wrong answer as it depends on a variety of factors. To help you determine this, contact Cindy Berger, our Mortgage Loan Advisor, will give you the guidance and expert advice you are looking for.

How can I determine what I can afford?

For starters, you can use our home affordability calculator to get an estimate of how much house can fit comfortably within your budget. Furthermore, you can reach out to us, and we can tell you exactly what you can be pre-approved for before you go house hunting.

How do I get pre-approved?

We make the process easy. Contact Cindy Berger, our Mortgage Loan Advisor, to get pre-approved so you are armed and ready when you start shopping for a home.