Refi With PFFCU and Enjoy the Perks
Competitive interest rates
No application, processing, or settlement fees4
No title insurance fees with an EXPRESS Refi
Local customer service and
in-house loan servicing
Lending in PA, NJ, DE, and FL5
Overview
EXPRESS Refi Mortgage
A fast, easy, and affordable way to refinance a home loan.
- Terms of 10, 15, 20, and 30 years
- Available for loans up to $1.1 million
- The $995 fee is waived6 on mortgages held elsewhere
- No title insurance fees
Get Started Today
It’s easy to begin the refinancing process online or when you call to speak with a knowledgeable Mortgage Advisor.
Rates are effective as of April 16, 2025 and are subject to change.
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Tap for Convenience
Download our PFFCU Mobile App for quick, secure access to your accounts and tools like:
Mobile check deposit
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Loan applications
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Customizable account alerts
More Financial Solutions
You name it. We’ll help you do it. PFFCU offers a full suite of personal banking and lending products.
We’re Ready to Lend a Hand
Our knowledgeable Mortgage Advisors can help you select the right option for your needs and goals. Call us at 267.332.3400.
NMLS #800659
- Rates stated are for loan amounts greater than $100,000, a 700 or higher credit score, and LTV of 80% or less. The rates above reflect the lowest available rates. The rate you receive may be higher based on your credit score, mortgage loan-to-value ratio or other loan factors. Rates are based on loans up to $806,500. For rates on loans exceeding $806,500 (Jumbo loans) call PFFCU at 215.931.0300 or 800.228.8801 and ask to speak to a Mortgage Advisor to discuss your applicable rate.
- You can reduce your rate by paying points or receive a lender credit toward closing costs by paying a higher rate. Points and lender credits are shown as a percentage of the loan amount. For example, Points of 0.10% of the loan amount means you will pay PFFCU at closing $100 for every $100,000 borrowed. A lender credit of -.10% of the loan amount means PFFCU will apply $100 for every $100,000 borrowed to offset your closing costs. You can select to lock-in your rate for a PFFCU EXPRESS Refi Mortgage for 60 days. Speak with a Mortgage Advisor for other rate lock options.
- Rates stated for jumbo mortgages are for loan amounts greater than $806,500, a 680 or higher credit score, and LTV of 80% or less.
- A satisfaction fee is charged by the county government when a loan is paid off. PFFCU will collect that fee from you at the closing of your loan. $150 is charged if you choose an appraisal upgrade.
- Non-Owner-Occupied loans not available in Florida.
- $995 EXPRESS Refi fee waiver available for EXPRESS Refi transactions only; purchase loans, a refinance of an existing PFFCU portfolio loan, refinance transactions involving the payoff of a privately held mortgage, or loans where there is a change to title do not qualify for an EXPRESS Refi. EXPRESS Refi products are available for loans up to $1.1 million. Offer is subject to credit approval and underwriting and is subject to change or termination at any time without notice. No other discounts apply, cannot be combined with any other offers. Contact us for details. Members are responsible for payment of all mortgage taxes in Florida, including, but not limited to the Documentary Stamp Tax.