Refinance your mortgage @ 2.875%APR for 5 yr Fixed

Refinance your mortgage @ 2.875%APR for 5 yr Fixed with NO Closing Costs, 90% LTV & NO PMI. Check out how much you could save on your mortgage & then apply today!!

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Refinance your mortgage with us and receive a lower payment and we'll pay all of the closing costs. How's that for a WIN - WIN?

Our 5-Year adjustable rate loan includes:

• NO Points
• NO Closing Costs
• NO Fees
• NO PMI (Private Mortgage Insurance)
• 90% Loan to Value
• 2.875% Rate

So . . . what do you have to lose?

Our new 5-Year Adjustable Rate Mortgage (ARM) features an interest rate of just 2.875%* with NO points, NO fees, NO Closing Costs and NO PMI. Better still, while you enjoy the security of a rockbottom fixed rate for 5 years, the loan itself is amortized over 30 years. So your monthly mortgage payments are kept to a minimum.

As if all this were not enough, this special home loan lets you borrow up to 90% loan-to-value with NO private mortgage insurance (PMI) required.

Real estate prices are still at record lows. This is your chance to cash in on a double "bargain" - super low interest rates and no additional costs. Or simply refinance your current home loan. Apply online or call us at 800.894.1200 to get more details.

* Rates and terms effective March 5, 2013, and are subject to change or end without notice. Loans are available for primary residences only and are subject to Credit Union loan policies. 5-Year ARM rate is fixed for 5 years, then converts to an adjustable rate subject to change by a maximum of 2.00% at the first rate change and a maximum of 2.00% annually thereafter. Lifetime cap is 6.00% over the start rate. A payment on a $400,000.00 loan amortized over 30 years at a fixed rate of 2.875% (2.875% APR) for the first 60 months is $1,659.57. This promotion (no closing costs, no fees, 90% LTV) is also available on our 7 Year ARM and 10 Year ARM. Please check webiste: www.lafinancial.org or www.hccu.org for current rates on those products.