Toggle Menu LOGIN PROMOTIONS Refinance your mortgage and enjoy the little things in life Lower your mortgage payments You have more important things to focus on! With mortgage rates at an all-time low and the possibility of forgoing a home appraisal, refinancing your mortgage with Valley First Credit Union will help to lower your mortgage payments and simplify your life — leaving you more time to focus on the little things in life! 30-Year Fixed Rates as low as 3.125% 15-Year Fixed Rates as low as 2.875% Jumbo 30-Year Fixed Rates as low as 3.25% Jumbo 15-Year Fixed Rates as low as 3% No home appraisal may be required1 Cash out available Apply Now 1The requirement for an appraisal may be waived, based on guidance from regulatory agencies and other qualifying factors. All loans are subject to review and approval of credit and collateral. Rates, terms and conditions are subject to change at any time without notice and may vary based on creditworthiness, qualifications and collateral conditions. Certain restrictions and limitations apply. For 30-year fixed mortgage the monthly principal and interest at 3.125% (3.183% APR) would be $1,071.00. Assumes refinance of primary residence with excellent credit, a $250,000 loan amount and 50% LTV (Loan-to-Value). For 15-year fixed mortgage the monthly principal and interest at 2.875% (2.98% APR) would be $1,711.00. Assumes refinance of primary residence with excellent credit, a $250,000 loan amount and 50% LTV (Loan-to-Value). For 30-year fixed jumbo mortgage the monthly principal and interest at 3.25% (3.274% APR) would be $2,611.00. Assumes refinance of primary residence with excellent credit, a $600,000 loan amount and 50% LTV (Loan-to-Value). For 15-year fixed jumbo mortgage the monthly principal and interest at 3% (3.004% APR) would be $4,143.00. Assumes refinance of primary residence with excellent credit, a $600,000 loan amount and 50% LTV (Loan-to-Value). First lien, owner occupied, second home or vacation home refinance mortgage loans only. Property must reside in California. Membership eligibility requirements apply. Membership requires a Primary Share Account opened with an initial $25.00 deposit plus a $5.00 one-time membership fee, for a total of $30.00. New Accounts subject to ChexSystems. Real Estate Loan originators (MLOs) are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). You can find a list of our MLOs and their NMLS registration numbers at https://www.nmlsconsumeraccess.org. About About Us Careers Sitemap Terms Security Privacy & Disclosures Accessibility Facebook Yelp Routing Number: 321173522 NMLS ID: 508819 © 2021 Valley First Credit Union This site uses cookies to store information on your computer/device and collect personal information. Cookies help us enhance site navigation, analyze site usage, and assist in our marketing efforts. We encourage you to read our Privacy Policy to learn more about how we use cookies and how we collect and use visitor data. By continuing to use this site, you consent to the placement of these cookies. Accept