One of our fastest and most popular products. Scroll to see terms and conditions.
Our Rapid Refi loan is a home equity loan that can help you save on interest and closing costs while building equity more quickly — in only 30 days* or less.
Save big in little time.
Refinance your existing mortgage to save time and money for spending on what matters most. With our Rapid Refi loan, we’ll close in 30 days or the $299 in closing costs are on us. Available to members living in Tennessee and Kentucky with the choice of a 5, 10, or 15-year term option.
Once we have your application and info, we’ll start the clock* and get you locked into your new, low fixed-rate in next-to-no time. Saving on interest is big. But saving days in the process is truly priceless.
*30-day closing guarantee is available on all Rapid Refi loan products. Guarantee is not a loan approval guarantee. Eligibility will be will be confirmed once your loan is completely underwritten and a final approval letter is issued. Closing guarantee is 30 days from final approval. Rapid Refi loan products have 5, 10, and 15-year term options. Rates range from 2.49% APR** to 6.24% APR. APR will not be raised after credit is extended. There is no down payment requirement unless loan amount exceeds home value. Sample monthly payment for principal and interest based on $20,000.00 balance with a 60-month, fixed rate of 2.24% APR would be $352.11 for 60 payments. Loan payment example does not include taxes or insurance premiums. Loans that do not qualify for this product will be subject to standard loan fees and charges according to the loan product type and borrower creditworthiness. This program may change or end at any time. **APR – Annual Percentage Rate. The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate.
Type:Fixed-Rate Rapid Refi
APR*:2.49% to 4.99%
Type:Fixed-Rate Rapid Refi
APR*:2.99% to 5.49%
Type:Fixed-Rate Rapid Refi
APR*:3.49% to 6.24%
The Annual Percentage Rate (APR) you receive will be based on creditworthiness, loan to value amount, and loan term. Not all members will qualify for the best or lowest rate.
Auto-pay Advantage: A discount of 0.25% will be deducted from the above stated annual percentage rates when the payment is received automatically from a Fortera draft account. This discount is only available on new loan transactions with an effective date on or after the date of this addendum. The annual percentage rate will default back to the normal rate in the event the payment status or draft account status changes.
Low fixed rates are here to put you at ease.
Once you’ve submitted all of your application information, we strive to always close your loan in 30 days or less. *30 Day Closing Cost Information
Our closing costs are set at only $299. Plus, if we go beyond our 30-day Rapid Refi deadline, closing costs are on us.
Choose the loan term that works best for you — we keep it flexible with 5, 10, and 15-year term options available.
On the couch or on the go, keep your money close with our Mobile App and Online Banking.
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Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.
With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.
That's just how we roll!
Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.
Extra payments on loans are accepted anytime.
Choosing to make automatic payments could save you some cash, and so could the equity on your home.
Ensure that you and your loved ones are financially secure even if unplanned accidents happen. Add MEMBER'S CHOICE payment protection on your loan. The protection steps in when your family needs help making your loan payment should you become disabled due to a covered illness or injury, become unemployed, or pass away before paying off your loan.
Sorry to bring the mood down, but we've got to talk safety first. If you have a question or would like to add MEMBER'S CHOICE to your loan, email us and we will be happy to help.
Need to submit a claim? No problem, we've got you covered. You can submit a claim at myclaim.cunamutual.com. If you have any questions, please text us at 931.431.6800 or email us at email@example.com and we will be happy to help.
To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.
In addition to identification, you will also need to bring:
If you have any questions about this list, feel free to email us at firstname.lastname@example.org and we will be happy to help.
If you have additional questions that you don't see here or would like to apply over the phone, just give us a call at 931.431.6800.
The Rapid Refi is a fixed-rate personal loan designed for members who already have a mortgage and are looking to refinance quickly.
We keep costs low and easy over here. It only costs $299 to close a Rapid Refi loan.
Yes! Additional payments are always welcome at any time.
Members can choose between a 5, 10, and 15-year term length. We like to keep it flexible over here.
After a member has submitted all necessary paperwork to complete the loan, we strive to close these loans in under 30 days. If we cannot close the loan in under 30 days, then the closing costs ($299) are on us.
Yes! Just let your loan advisor know that you are setting up automatic payments and they will tell you how much you can save.