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What would you do with a lower mortgage payment?

Unlock savings with our exclusive mortgage refinance opportunity! Enjoy a one-time rate reduction, say goodbye to appraisal fees, and take control with a transparent $500 modification fee.

This special has ended, please click here for additional loan offers


One-Time Rate Reduction:

    • Enjoy a special one-time interest rate reduction, unlocking significant savings over the life of your loan.

PMI Waived with Appraisal Fee Waiver:

    • Say goodbye to Private Mortgage Insurance (PMI) worries, and benefit from waived appraisal fees for a cost-effective refinancing experience.

Transparent Modification Fee:

    • Take control of your finances with our transparent $500 modification fee, ensuring simplicity and peace of mind throughout the refinancing process.

Flexible Rate Customization and Tracking:

    • Customize your rate based on your preferences and enjoy the flexibility to modify it once it drops by 1% or more. Easily track your progress with our user-friendly loan tracking spreadsheet.


Personalized Assistance:

    • Our dedicated team is here to provide personalized assistance throughout your refinancing journey, ensuring you feel supported every step of the way.

Transparent Communication:

    • Count on clear and transparent communication. We keep you informed, answer your questions promptly, and prioritize your peace of mind throughout the entire process.



Whatever your financial situation, we’re here to help. Whether you’re looking to consolidate debt, reduce monthly payments, or simply explore better mortgage options, our team is committed to finding a solution tailored to your needs. Your unique financial goals are our priority.


Offer valid 2/1/2024 – 4/30/2024. Offer only available on refinanced first mortgage conventional loans that close with Peninsula Credit Union. Loans are subject to credit approval and underwriting criteria. This offer does not represent an approval for financing or interest rate guarantee. Minimum credit score of 640 to qualify. Must be eligible for membership with Peninsula Credit Union. Maximum combined loan to value not to exceed 85%. Loans exceeding 80% loan to value will not be assessed private mortgage insurance. Appraisal fee is waived for refinances under this program. After closing, a one-time interest rate adjustment is available for a $500 modification fee once Peninsula Credit Union’s posted mortgage rate is 1% or more below the rate at the time of funding. For current rates or more information, contact Peninsula Credit Union using the contact information above. Offer available for a limited time only. Additional terms and conditions apply. Rates, terms, and offer are subject to change at any time. Peninsula Credit Union is an Equal Housing lender. Federally insured by NCUA.

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