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Last Updated: 04/18/2025

Embold FCU Mortgage Refinance

from Embold Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

Up to $726,200

Loan Term (Years)

15 - 30

Embold FCU Mortgage Refinance Review

Embold FCU Mortgage Refinance is offered by Embold Federal Credit Union , a credit union founded in 1957 and based in Oak Grove, OR. Embold FCU Mortgage Refinance are available in 50 states and Washington, DC.

Key Takeaways

Financing for a variety of property types. Offers refinancing for manufactured, single, and multi-family homes.
Considers personal use and investment properties. Refinancing available for primary residences, secondary homes (e.g. vacation properties), and even investment homes such as rentals.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. Embold FCU Mortgage Refinance has a maximum loan to value ratio of 95%, which is higher than average. Most lenders want you to have at least 20% equity.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Embold FCU Mortgage Refinance.

Embold FCU Mortgage Refinance Pros & Cons

Pros

Cons

Offers financing for single-family homes, multi-family homes, manufactured/mobile homes, and townhomes.
Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

Embold FCU Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Embold FCU Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Embold FCU Mortgage Refinance offers mortgage refinancing with terms ranging from 15 to 30 years.

How long does Embold FCU Mortgage Refinance take to refinance?

Embold FCU Mortgage Refinance does not provide details on the average time to close a refinance. However, it typically takes 30 to 45 days to complete a refinance. Of course, a lot depends on the market, the lender, and how long appraisals and inspections take.

Does Embold FCU Mortgage Refinance charge a mortgage origination fee?

Yes, Embold FCU Mortgage Refinance will charge a loan origination fee .

What property usage types does Embold FCU Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Embold FCU Mortgage Refinance allows the following property usage types:

Primary home
Secondary homes and vacation properties

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Contact

Headquarters

15099 SE McLoughlin Blvd

Oak Grove, OR 97267

(503) 656-0671

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Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:30PMTuesday9:00AM - 5:30PMWednesday9:00AM - 5:30PMThursday9:00AM - 5:30PMFriday9:00AM - 5:30PMSaturday9:00AM - 1:00PM

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SuperMoney Net Recommendation Score

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-1000+100

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