Mortgage - Refinance Rates
Bringing you refinance options for real life.
Move-in-ready rates.
Plus save even more with lower closing costs.
Plus save even more with lower closing costs.
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 September 4, 2025 and subject to change.
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 September 4, 2025 and subject to change.