p Refinance Apply Today

For a limited time:

Apply for a 10-year Fixed refinance as low as 2.250% with no closing costs*!

Are you looking to take advantage of today’s historically low mortgage rates? At ETFCU, we’re making it easy with our SmartMove Mortgage. Our popular SmartMove Mortgage lets you refinance your existing mortgage to a low rate.

  • Fixed-rate 10- and 15-year first mortgage options
  • Second mortgage options also available
  • Minimum credit score for SmartMove refinance is 620
  • Reduced appraisal requirements*
  • Refinance loans only
  • 80/10/10 cash out options

Both offers are available on primary residences only. Apply today online or at any ETFCU location.



Make the SmartMove. Refinance with ETFCU today! Apply Today


What information will ETFCU need to process my application?
  • Prior two years addresses and dates of residence.
  • Social Security number or tax ID.
  • Driver’s license or state issued identification card.
  • Prior two years employment information including employer contact and dates of employment.
  • Most recent W2 and pay stub for all income sources.
  • Two years federal tax returns, including tax applicable schedules if you are self-employed, have rental income, farm income or additional non-W2 reported income.
  • Alimony, child support or separate maintenance documentation if you wish to have it considered as basis for repaying this obligation.
  • Additional information may be required such as Divorce decree (if applicable) and/or proof of extra income such as rental income, dividends, Social Security, retirement, disability, pension, or welfare (supporting documentation is required).
  • Balance owed on all liens attached to the property including all mortgages as well as any home equity loans or lines of credit.
  • Most recent mortgage statement (if applicable).
  • Most recent property tax bill.
  • Most recent hazard insurance declaration page.
  • Most recent flood insurance declaration page (if applicable).

Rates accurate as of October 22, 2021 and are subject to change throughout the day. All mortgage rates include Extra Credit Discount.

Loan is subject to credit approval. A sample principal and interest payment on a (15)-year $100,000 fixed rate loan amount with a 3.750% interest rate (3.750% APR) and 3% down is $705.41. SmartMove no closing cost offer is available on first mortgage refinance transactions with 80% maximum loan-to-value. Standard closing costs apply to existing ETFCU mortgages refinanced within the last 12 months. Existing mortgage loans with ETFCU can qualify by increasing existing loan amount by at least $10,000 during the refinance process. Additional costs may apply if escrow and/or title insurance or full appraisal are required. Not available on manufactured homes. Actual interest rate may vary based on credit history. *Automated valuation can be used to support value as long as two comparable sales available. Property insurance required. Other restrictions may apply. ETFCU mortgage lending product availability may vary based on property location.


Limited-Time Offer

Annual Percentage Rates valid as of 10/13/2021 and includes Extra Credit Discount. Closing costs may apply for refinancing of existing SmartMove loans. Loans are subject to credit review and approval. Offer valid on applications October 15 through November 30. Application must be submitted on or before November 30. Closing must take place on or before December 31. Promotion subject to end without notice. A sample principal and interest payment on a ten (10)-year $125,000 fixed rate loan amount with a 2.250% interest rate (2.286% APR) is $1164.22. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Actual interest rate may vary based on credit history. Visit etfcu.org/mortgagecalculator to calculate payments with other terms, balances, or rates. Refinance maximum 80% loan-to-value. Some restrictions apply such as state restrictions and closing cost credit. Contact an ETFCU mortgage loan officer for details. NMLS #518136 Federally Insured by NCUA Equal Opportunity Lender