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Your Refinancing Options

Already have a mortgage but looking to refinance, make home improvements, or access your equity? We’ve got you covered.
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Refinance
Lower your rate and pay less interest over time by refinancing your current home loan.
SmartLine℠ Home Equity Loan
SmartLine℠ offers HELOC flexibility with the ability to lock in portions at a fixed rate.
Streamline Refinance
Already have an MSUFCU mortgage? Lower your rate or shorten your term with a quick Streamline Refinance.

Current Rates

Check out our latest mortgage rates!
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Is Refinancing Worth It?
Is Refinancing Worth it?
Refinancing your mortgage can be a smart financial decision, but it’s not always the right move for everyone. Before you begin the process, it’s important to understand when refinancing makes sense and how to determine whether it’s worth it for your situation.
What to Expect With Refinancing
What to Expect: Refinance Roadmap
MSUFCU's here to help you on every step of your refinance journey. Here's a guide on what to prepare for.

Privacy Notice, Consumer Caution and Home Ownership Counseling Notice, Electronic Correspondence Disclosure and Agreement, Mortgage Information, Nationwide Mortgage Licensing Systems IDs, Home Mortgage Disclosure Act Notice, Consumer Handbook on Adjustable-Rate Mortgage, CFPB Your Home Loan Toolkit, Reconsideration of Value

Home loans available for homes in the following states: Michigan, Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Minnesota, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, and Wisconsin. Construction home loans are available in Michigan and Illinois. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application, your rate may be higher.

APR is annual percentage rate, and is subject to change. Your rate will depend on your credit score and the term. The loans subject to credit approval.

 

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MSU Federal Credit Union savings are Federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government. APR = Annual Percentage Rate. APY = Annual Percentage Yield. View our Privacy Notice and read our disclaimer regarding links to other sites.