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Refinance and Save on Your Rental Property

Use an APCI FCU Rental Real Estate Loan1 to refinance your existing mortgage, or use the equity in your rental property to get the funding to help you reach your goals.

Rental Refinance Mortgage

  • Various terms are available to meet your needs
  • Competitive fixed interest rates with a low, one-time processing fee2
  • Borrow up to 70% of your home's value
  • Debt Protection with Life Plus3 available- Your safeguard against the unexpected
  • Cash out option available
  • No title insurance or escrow requirements
  • Payments can be automatically withdrawn from your Savings or Checking
  • Make loan payments from other financial institutions through Loan ePay

Apply Today

Rental Fixed Rate Home Equity

  • Various terms are available to meet your needs
  • Competitive fixed interest rates with a low, one-time processing fee2
  • Borrow up to 70% of your home's value
  • Debt Protection with Life Plus3 available- Your safeguard against the unexpected
  • No title insurance or escrow requirements
  • Payments can be automatically withdrawn from your Savings or Checking
  • Make loan payments from other financial institutions through Loan ePay

Apply Today

 

 

1 Please review our list of eligible states for Real Estate Secured Loan products. This Program is available and secured by a first or second mortgage lien on a non-owner occupied 1-4 unit residential rental property owned by the member-borrower.  Loans are not permitted on land, commercial use properties, manufactured or mobile homes, properties deeded in a Trust, nor properties currently listed for sale. All loans are subject to credit review. If the loan does not close within 90 calendar days from the date on your loan estimate, the loan request will be considered closed, and you will need to reapply.

2 Fees: There is a processing fee due at the time of disbursal. Appraisal fees in excess of $500 and recording fees in excess of $200 will be the responsibility of the borrower. Appraisal fees are generally less than $500. Recording fees in most states are under $200. States with high recording fees include, but are not limited to: CA, NY, MD, KS, FL, VA, and the Parish of Orleans in LA.

3Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the contract for a full explanation of the terms. You will receive the contract before you are required to pay for Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

Rates & Terms

Rates effective August 1, 2025, at 7:30 am ET
Rates are subject to change.

If you are interested in refinancing your existing APCI Federal Credit Union Real Estate Loan without requesting additional funds, please contact us.

Rental Real Estate
TermRateAPR*Pymt Based on $1,000 Borrowed on Rate
Rental Refinance Mortgage
5 years 6.50% 7.72% $19.57
10 years 6.60% 7.26% $11.41
15 years 6.60% 7.07% $8.77
Rental Fixed Rate Home Equity
5 years 6.74% 7.32% $19.68
10 years 7.24% 7.55% $11.74
30 years 7.49% 7.72% $9.27

* APR = Annual Percentage Rate.
Rental Refinance Mortgage APR based on $100,000 mortgage & includes $2875 processing fee.
Rental Fixed Rate Home Equity APR based on $100,000 mortgage & includes $1,375 processing fee. 

Loan - Rental Real Estate

Next Steps

Please reference the following information before starting your application.

Apply Online

  • APCI eBanking users: log in to APCI eBanking > Apply for a Loan > Apply for a Real Estate Loan
  • Non APCI eBanking users: Apply for a Real Estate Loan

 

 

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