Green Accent Dot
african american father looking up with daughter in wigwam in living room

EquityFlex First Mortgage Refinance

The easy, streamlined refinance process that can save you time and money.

Available for a Limited Time

OnPoint’s EquityFlex First Mortgage Refinance can help you save money on your mortgage payments or pay it off sooner.

icon_home_with_arrows.svg Icon

Refinance with a fixed rate as low as 2.00% APR.*

icon_clock.svg Icon

Reduce your term and pay it off faster.

icon_cursor.svg Icon

Quickly complete your refinance with our streamlined process.**

You may qualify for the following annual percentage rates if:

icon_money_in_hand.svg Icon

Your loan amount is $250,000 or less

icon_pen_with_paper.svg Icon

You have no other loans secured against your house

icon_down_arrow_with_percent.svg Icon

Your loan-to-value is 70% or less

  • 2.00%

    Fixed APR for 5 years

    Requires Bundle Rewards.
    2.25% APR without Bundle Rewards.

  • 2.25%

    Fixed APR for 10 years

    Requires Bundle Rewards.
    2.50% APR without Bundle Rewards.

  • 2.50%

    Fixed APR for 15 years

    Requires Bundle Rewards.
    2.75% APR without Bundle Rewards.

Contact us today to learn more and get started.

  • Name * Required
  • The following questions are not required, but will help us prepare when we reach out to you.
  • This field is for validation purposes and should be left unchanged.


* Rate effective 4/1/21 and subject to change. Stated Annual Percentage Rate (APR) is based on the refinance of a single family, owner occupied residence with no more than 70% LTV. APR assumes a 5-year fixed rate loan and includes a discount for Bundle Rewards. Additional products and services are required to qualify for the Bundle Rewards rate. Please see an OnPoint representative for more information or click here. With a loan amount of $200,000, and an APR of 2.00% over 5 years, the payment would be $3,505.55 per month. With a loan amount of $200,000, and an APR of 2.75% over 15 years, the payment would be $1,357.24 per month. Payments do not include any amounts for taxes and insurance premiums. Interest rates are subject to change without notice. Loan must be in first lien position. $250,000 maximum loan amount. All loans are subject to credit and property underwriting approval.

** Home Equities typically fund in 2 to 3 weeks from time of application. Individual scenarios may impact the timing of approval and funding.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.

Cancel Accept