Lower Your Mortgage Rate with RateRefresh!

Did you hear? USF Credit Union has launched RateRefresh—a smarter way to lower your mortgage rate without the cost and hassle of a traditional refinance. For just $800, you can unlock lifetime savings with a one-time rate reduction.*

What’s RateRefresh?

As many of you know, traditional refinancing can cost up to 6% of your loan amount in closing fees and take 60+ days to finalize. With RateRefresh, there's:

• No high closing costs
• No appraisal
• No piles of paperwork

Just simple, fast savings.

Why RateRefresh Rocks

RateRefresh isn’t a refinance - it’s a rate modification. Pay a single $800 fee to adjust your rate downward one time and enjoy those savings for the life of your mortgage. There’s no need to re-apply.

Skip the Hassle

Forget the paperwork marathon - no pay stubs, tax returns, or asset statements required. We’ve simplified the process so you can focus on what matters: saving money.

Who Should Refresh

• Current USF CU Mortgage Holders itching to lock a lower rate without the hassle of a refinance.
• New Members who want the security of knowing they can drop their rate once rates dip.

Ready to refresh? Contact your branch or apply online today, and start winning with RateRefresh.

USF CU is your trusted financial partner. Join us as we reimagine banking for everyone!

* Eligibility for the one-time rate modification option is subject to approval. Certain conditions and restrictions apply. Accounts with USF CU must be in good standing, USF CU mortgage must reflect 6 months of on-time payments, and any changes to the original loan approval are prohibited.