For Your Home Refinancing Needs, Look to Aloha Pacific FCU

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Hawaii homeowners: Have you refinanced yet?

To those of you who answered “yes,” congratulations! You have taken advantage of historically low mortgage interest rates.

To those of you who answered “no,” we have another crucial question: Why not?

Now is the time to refinance, as mortgage interest rates continue to be at historical lows, but are slowly inching up. In fact, financial experts expect all interest rates to continue to rise as the Federal Reserve tapers its infusion of money into the American economy.

The mortgage specialists at Aloha Pacific Federal Credit Union are ready to help, with competitive rates and personalized service that’s second to none.

Aloha Pacific FCU’s experts can tell you if refinancing is right for you, and can walk you through the many steps to complete a refinance.

Why should you refinance?

• The lower your interest rate, the less you’ll be paying each month.

• The lower your interest rate, the less interest you’ll have paid over the life of the loan.

• If you currently have an adjustable-rate mortgage, in which your payments would eventually increase, you could refinance into a fixed-rate mortgage.

• You could potentially shorten the term of your mortgage by re-financing from a 30-year loan to a 15-year loan.

Keep in mind that refinancing does require certain fees, such as closing costs, loan points, escrow fees and insurance – all of which would affect the amount of your monthly mortgage. Some fees may be tax deductible; consult your tax adviser.

When you’re ready to refinance, APFCU’s mortgage specialists will be standing by to assist, always with your best interests in mind.

Visit any APFCU branch or call 531-3711.

Membership ($100 in Regular Savings) required. All loans subject to approval. Some restrictions apply. Rates, terms, programs and conditions are subject to change. Some services not available in all states. Hawaii NMLS# 377314

This credit union is federally insured by the National Credit Union Administration.

You, too, Can Become a Member of APFCU

Aloha Pacific Federal Credit Union has been assisting in the financial well-being of Island families for more than 75 years, dedicated to its mission of “Building Lasting Relationships.”

Aloha Pacific FCU offers loans and services for every real-estate-related need, including mortgages, refinancing and a Home Equity Line of Credit (HELOC). In addition, APFCU has just launched a limited-time Tax and Bill Consolidation loan offer, perfect for this tax and post-holiday season. Other loans include a wide variety of personal and auto loans.

APFCU is a full-service financial institution, offering savings and checking accounts, special youth accounts, VISA cards, online and mobile banking and much more.

To take advantage of APFCU’s products and services – and exclusive member benefits such as Family Day movie screenings and Member Appreciation Day at the 50th State Fair – you must be a member of the credit union.

How? It’s easy. Visit any APFCU branch or its web-site, www.alohapacific.com, or call 531-3711.

Locations Hawaii
Michael Marks
Sandwich Isles Realty
Kimo Smigielski, Broker-in-Charge
R, ABR, CRS, GRI, e-PRO
Hawaii Life Real Estate Brokers
Emily Garcia
Agent, REALTOR(A), RS-77391
Coldwell Banker
DAY-LUM Properties

Edith Crabb, RB-8195
Coldwell Banker
DAY-LUM Properties

Glenn Takase, RB-18547
Coldwell Banker
DAY-LUM Properties

Misti R. Tyrin, RS-75836
Coldwell Banker
DAY-LUM Properties

David L. Skeele, RB-12882
Kauai Landmark Realty
Phil Fudge, RB-18576
Claire Keaton, RS-73854
Coldwell Banker
DAY-LUM Properties

Shea Miyashiro, RS-64678
Coldwell Banker
DAY-LUM Properties

Atsuko Winston, RS-75899
Coldwell Banker
DAY-LUM Properties

Mark Skeele, RS-77005