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Look to Aloha Pacific FCU for Home Buying, Refinancing Needs

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If you’ve ever dreamed about owning your own home, now is the time.

Mortgage loan rates are still at historic lows, but with ever-looming speculation about possible rising interest rates, there’s no time like the present.

Aloha Pacific Federal Credit Union’s dedicated professionals are ready to guide you every step of the way, offering numerous mortgage loan advantages such as low rates, low fees and personalized service.

Because APFCU is a full-service mortgage lender that also can offer local servicing through its affiliate, CUSO of Hawaii Services LLC, borrowers have a wide range of loan products at competitive rates with the convenience of local servicing.

APFCU also offers a special program that can partner the homebuyer with its affiliate, Aloha Pacific Premier Realty LLC, which provides professional realty service.

Or maybe you already own a home and need to refinance. The mortgage specialists at Aloha Pacific Federal Credit Union can help with that, too.

Refinancing can have money-saving benefits:

• 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 could eventually increase, you could refinance into a fixed-rate mortgage.

• You could potentially shorten the term of your mortgage by refinancing from a 30-year loan to a 15-year loan. 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; be sure to consult your tax adviser.

Aloha Pacific FCU is proud to have assisted in the financial goals of generations of Island families. Seven conveniently located branches on Oahu (several with 9 a.m.2 p.m. Saturday hours) and one in Las Vegas are ready to help you, too.

Visit any APFCU branch, alohapacific.com or call 531-3711.

Membership ($5 in Regular Savings) required. Loans are subject to approval and may change at any time. Some restrictions may apply. Contact an employee for applicable fees and terms. Hawaii NMLS# 377314

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