Home Refi Express

NO PMI! - Apply Now!

With our FIXED RATE Home Refinance Express, you can save money and pay off your mortgage in a shorter period of time. Property must already be retained (Loan cannot be used to purchase a new property, borrower must already own the home).


  • Private mortgage insurance (PMI) not required
  • Quick Turnaround
  • No points, fees, or closing costs
  • Accelerated payoff options
  • High LTVs up to 90%
  • Terms up to 20 years
  • Flexibility for use without points or fees for cash out, home improvements, or debt consolidation

Current Rates:

  • As low as 4.50% APR* up to 8 year mortgages
  • As low as 4.75% APR* up to 12 year mortgages
  • As low as 5.25% APR* up to 15 year mortgages
  • As low as 5.75% APR* up to 20 year mortgages

And best of all, there’s no closing costs and no application fees!

Ready to get started? Apply now or try our Home Loan Analysis to see how much you could be saving with Home Refi Express!

For more information, please contact us today.

*APR = Annual Percentage Rate. The APR and monthly payment for your loan request will be based on your credit score and other factors. Your actual rate may be higher than the advertised rate depending on your individual credit score. Subject to credit approval. Membership with a checking account with direct deposit or deposit accounts with a total of at least $25,000 qualify to receive the advertised rates; all other members will receive rates 0.25% higher. Payoff existing mortgage balances. Minimum loan amount of $10,000. Maximum loan amount of $400,000. Existing Nutmeg State FCU first mortgage loans are not eligible. Maximum loan-to-value of 90%. Eligible properties are owner-occupied, single-family detached homes, condominiums and planned unit developments in Connecticut. Other terms and conditions may apply. We are an equal opportunity lender. Sample monthly payment per $1,000 borrowed for 96 months at 3.00% APR = $11.73, per $1,000 borrowed for 144 months at 3.50% APR = $8.51, per $1,000 borrowed for 180 months at 3.99% APR = $7.39, and per $1,000 borrowed for 240 months at 4.25% APR = $6.19. Nutmeg State Financial Credit Union is federally insured by the National Credit Union Administration.