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Not sure which loan is right for you? Our Loan Consultants walk you through all the important steps of determining which mortgage best fits your needs. Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.
No Points, No Fees Option
Travis has been a full-service mortgage lender for more than 30 years!
Local Expertise, Community Focused
Our no points, no fees home loan refinancing is a great way to lower your payments and save money in 2017. Take advantage of today’s low interest rates and rising property values to refinance with Travis.
Our knowledgeable home loan consultants can determine the best refinance or home loan purchase option based on your individual needs. Our loans are approved in-house and you’ll have a single contact throughout the loan process.
These Great Rates Can't Last Forever, So Start The Process At Travis Today!
Who can join Travis? Everyone who lives, works, worships or attends school in our 12 county area is eligible: Solano, Yolo, Contra Costa, Merced, Napa, Alameda, Colusa, Placer, Sacramento, San Joaquin, Sonoma and Stanislaus. Membership is also available to military and civilian personnel of Travis Air Force Base as well as immediate family of current members.
*APR=Annual Percentage Rate subject to change daily until locked. ARM rates are variable, may increase or decrease during the life of the loan. No Points, No Fees 5/1 ARM 30-year refinance: As low as 4.328% APR for $250,000 loan based on 80% loan-to-value or less and credit approval, monthly payment is $1,323.02 for months 1-60; $1,209.60 for months 61-359; and $1,209.81 for month 360. 5/1 ARMs are fixed for the first 5 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 2% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap. No Points, No Fees 7/1 ARM 30-year: As low as 4.819% APR for $250,000 loan at 80% LTV, monthly payment is $1,323.02 for months 1-84; $1,307.52 for months 85-359; and $1,307.44 for month 360. ARM loans are amortized over a 30-year term. 7/1 ARMs are fixed for the first 7 years, subject to change annually thereafter, and have the following interest rate adjustment caps: 5% maximum initial adjustment, 2% maximum on adjustments thereafter, and 5% lifetime interest rate cap.
**15-year fixed refinance: As low as 4.347% APR for $250,000 loan based on 80% loan-to-value or less and credit approval, monthly payment is $1,880.70 for months 1-179; $1,879.60 for month 180. 30-year fixed refinance: As low as 4.932% APR for $250,000 loan at 80% LTV, monthly payment is $1,323.02 for months 1-359; $1,307.52 for month 360. The rate may vary depending on each individual’s credit history and underwriting factors. Financing available up to $424,100 (or the conforming loan limit for your county) for owner-occupied California primary residence properties only. Property insurance required. Other restrictions may apply. Payment examples do not include taxes and insurance. If an impound account for taxes and insurance is desired, you are responsible for those set-up amounts and any charges assessed by your current lender such as reconveyance fees, payoff demand fees, prepayment penalties and any interim interest collected at closing. Please consult your tax advisor regarding the deductibility of interest and charges.
By clicking on the Get Started button above, you will open our Real Estate partner online application website, Prime Alliance. The “Prime Alliance” links are provided as a convenient connection between the websites belonging to Travis Credit Union and its business partner. The policies and procedures in use at our business partner may differ from those in use at Travis Credit Union. Travis Credit Union is not responsible for the content contained in our business partner website.