Mortgage - Refinance Rates

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Mortgage - Refinance Loan Rates

At Wings Financial, we’re bringing something new to the mortgage world: flexibility. With a wide range of fixed and adjustable-rate options, Wings offers the choices, experience and support to help you finance or refinance your home. At the end of the day, it’s not about fitting a member into a mortgage. It’s about fitting the right mortgage to a member.

Adjustable-Rate Loan
(up to $766,550)

Adjustable-Rate Loan Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
15/1 ARM 6.000% 6.209% $350,000 $2,098.43
10/5 ARM 6.000% 6.296% $350,000 $2,098.43
10/1 ARM 6.375% 6.716% $350,000 $2,183.54
7/1 ARM 6.125% 6.676% $350,000 $2,126.64
5/1 ARM 6.000% 6.729% $350,000 $2,098.43

Fixed-Rate Loan
(up to $766,550)

Fixed-Rate Loan Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
30 Year 6.625% 6.762% $350,000 $2,241.09
20 Year 6.125% 6.301% $350,000 $2,532.81
15 Year 6.000% 6.221% $350,000 $2,953.50
10 Year 5.750% 6.061% $350,000 $3,841.92

Jumbo Loan
(greater than $766,550)

Jumbo Loan Refinance Rate
As Low As1
Refinance
APR2
Loan
Amount
Monthly
Payment
15/1 ARM 5.875% 6.055% $800,000 $4,732.30
10/5 ARM 5.875% 6.130% $800,000 $4,732.30
10/1 ARM 6.375% 6.692% $800,000 $4,990.96
7/1 ARM 6.125% 6.652% $800,000 $4,860.88
5/1 ARM 6.000% 6.705% $800,000 $4,796.40
30 Year Fixed 6.625% 6.740% $800,000 $5,122.49
General Terms for all Loans:
1Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
2The APR (Annual Percentage Rate) and monthly payment examples assume 80% Loan-to-Value (LTV) and $1143.80 ($1178.80 JUMBO) estimated borrower pre-paid finance charges. If the LTV is greater than 80%, private mortgage insurance (PMI) may be required on the loan and could result in an increased APR and payment.
Rate Locks - 60 Days - No Fee
$950 loan origination fee - Additional third-party closing costs will apply.

Additional Fixed Rate Terms:
Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.

Additional Adjustable-Rate Mortgage (ARM) Terms:
Adjustable-Rate Mortgage (ARM) rates are subject to change according to product terms.
ARM product with 90% LTV with no PMI is subject to a rate add on of 0.125%


Membership with a $5 Share Account required.

Rates effective as of August 29, 2025 and subject to change.