At Wanigas Credit Union, we believe you shouldn’t have to stay locked into a mortgage with terms and rates that no longer meet your needs. Refinancing could lower your rate, reduce your monthly payment, and even remove private mortgage insurance. If that sounds good to you, it might be time to refinance!
Click Here to Meet The Mortgage Team
Start saving money and regain control over your mortgage with competitive rates and favorable terms. Get started now!
Applying is easy, Click ‘Apply Now’ and choose ‘Create Account’ to begin.
Mortgage Refinance Features & Benefits
Refinancing your mortgage comes with many features and benefits that go far beyond the numbers.
You can enjoy:
- 10, 15, 20, and 30-year fixed terms
- Competitively low APR rates
- Zero point rate options
- One-on-one personal attention
- Loan promotions that put money back in your pocket!
Thinking Mortgage? Think Wanigas And Receive $1000 Off Closing Costs*
*Loans currently financed with Wanigas CU are not eligible for this offer. $250 off Closing Costs for mortgage loan amounts less than $50,000. $1,000 off Closing Costs for mortgage loan amounts $50,000 and greater. Excludes Home Equity and Non-Conventional Mortgages. Cannot be combined with any other offer. Offer valid April 1, 2021 through June 30, 2021.
HELP GIVE BACK WHEN YOU APPLY ONLINE!
Apply for a Wanigas loan online, and We'll GIVE $25* to the Food Bank Council of Michigan! Applying online is quick, secure, and easy – and you can help give back to our communities in need!
*Loans currently financed with Wanigas CU are not eligible for this offer. Loan application must be submitted online, approved, and disbursed to qualify. Excludes line-of-credit loan types. Offer valid through June 30, 2021.
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Mortgage Refinance FAQs
You may choose to refinance your home at any time, even immediately after purchase! However, it is important to carefully consider your financial situation before making a decision. Use the Wanigas Refinance Breakeven calculator to determine your potential refinance savings.
Wanigas Credit Union offers four types of conventional rate mortgages: 10, 15, 20, and 30 year fixed rate APRs. Secure the best rate for your monthly payment and budget by doing your research and comparing offers.
Make sure that you have copies of your current property tax bill, your homeowner’s insurance policy, a recent mortgage statement (within the last 3 months), W2's and tax returns for the last two years, recent statement of assets (Checking & Savings Accounts, 401k, stocks, bonds, etc.), and proof of income for all borrowers (your two most recent paystubs, Social Security Award Letter, or pension statement).
More Questions? Let us help, get more information by calling (989) 799-6011 or (800) 675-2285 ext. 782.
See what our loyal members have to say about us!
“I recently got my mortgage through Wanigas. I live no where near Saginaw, but was recommended. I was treated like family. The mortgage officer was nothing shy of amazing. I am so thankful that she helped me, without her I would have been lost through the whole process. She always returned my phone calls and emails promptly. She helped with any bumps in the road and was understanding when I was anxious and stressed about the process. I just want to say thank you for all you have done for me & for treating me so great."
- Vanessa V.
“This credit union has been awesome to work with for over 20 years. Keep up the good work Wanigas and crew, it has been a pleasure.”
- Michael M.