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Accelerate Your Mortgage with a No-Cost Home Refinance from MountainCrest Credit Union and retire mortgage free!

Our No-Cost Home Refinance is a great option if you are looking to refinance your home at a shorter term and don't want to pay closing costs.

  • No closing costs (except if appraisal is needed)
  • Terms of 7, 10, 12 or 15 years
  • Fixed rate
  • No application fee
  • Finance up to 70% of your home's value (maximum loan amount $150,000)

NMLS #226066

Loan to Value Term APR* Range
70% loan to value (LTV) Maximum 7 years 6.25% – 6.75%
70% loan to value (LTV) Maximum 10 years 6.50% – 7.00%
70% loan to value (LTV) Maximum 12 years 6.75% – 7.25%
70% loan to value (LTV) Maximum 15 years 7.00% – 7.50%
*APR is Annual Percentage Rate. No closing cost except if appraisal is needed. Home must be owner occupied and located in Washington. Manufactured homes must be classified as real property and subject to max 65% LTV. Must be 1st lien with no subordinate financing allowed (exceptions may be considered if a MCCU 2nd). Member responsible for paying taxes and insurance (impound/escrow accounts are not available). No Modified Loans. Pre-approvals good for 60 days.