Mortgage Rate Refresh

Our Mortgage Rate Modification*

Lower Your Rate Without A Full Mortgage Refinance

Our Mortgage Rate Refresh is a simple way for members with a current Health Advantage Credit Union mortgage to reduce their interest rate to today’s market rate. With a Mortgage Rate Modification*, you can save money without the full cost and time of a mortgage refinance.

Why Choose a Mortgage Rate Refresh?

• Lower Your Interest Rate - Take advantage of current market rates
• Simple Process - Skip the complete refinance paperwork
• Affordable - One-Time $1,000 fee* with no hidden charges
• Member Exclusive - For current members with a Health Advantage mortgage
• Focused on Savings - Opportunity for long-term savings when rates go down

Why It Matters

At Health Advantage Credit Union, we’re committed to making mortgage solutions simpler and more affordable for our members. Our Mortgage Rate Refresh gives you flexibility to adjust your Health Advantage mortgage when rates fall - without the full cost and time involved in a refinance of your mortgage. 

Take Advantage 

Rates can change quickly - and if they've gone down, you can take advantage. Ask about our Mortgage Rate Refresh and see how much you could save. 

Contact Amy by text 989.399.9661, by phone 989.921.1420, or by visiting our State St location.

*The Mortgage Rate Modification (“Modification”) allows for a rate reduction to current market rates on a qualifying mortgage that is currently held with Health Advantage Federal Credit Union (“Credit Union”). A qualifying mortgage is an in-house Credit Union mortgage that was not sold to a secondary market or is not a home equity line of credit. A member must request the Modification, pay a one-time $1000 fee and sign the Mortgage Modification Agreement in order to receive the rate reduction. The applicable current market rate will be dependent on the mortgage term when the mortgage was consummated. The mortgage payment amount or term associated with the qualifying mortgage will not change with the Modification. To be eligible for the rate reduction, the member must be in good standing with all loan and share accounts with the Credit Union. The Modification can be combined with other Credit Union promotions that may be offered. All Credit Union loan offers, promotions, programs, rates, terms, and conditions are subject to change at any time without notice. Other restrictions may apply. For current market rates, please contact the Credit Union Mortgage Department at 989.791.7070 ext. 3504.

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