Don't miss this great opportunity!

Miss Your Chance to Refinance? It's Not Too Late.

You can still take advantage of low interest rates.

Don't think you have enough equity in your home to refinance your mortgage due to reduced property values?



With our new 2nd Chance Refinance, you can borrow up to 97.75% on the value of your property --- in some cases, up to 100%.

Through the 2nd Chance Refinance program, Tyndall is offering FHA, VA and Conventional mortgage loans with:

• No closing costs*
• No origination fees
• No points

Rates are still low, but don't wait too long or you may miss this excellent opportunity!

Apply online through our Mortgage Center or contact our Mortgage Department.

For rates on this program, call our Mortgage Department at 850-747-4150 or
888-896-3255, ext. 8150, toll-free.


Please note that FHA loans under this program are only available in FL, AL, GA, and MS.



*Rates and maximum Loan-to-Values are based on borrower’s creditworthiness and the appraised value of the property. This program is for refinances of first mortgages of single-family owner-occupied dwellings. Minimum loan amount of $80,000 and maximum loan amount of $417,000; Maximum term 360 months. Maximum LTV for FHA - 97.75%; for VA - up to 100%; for Conventional - up to 95%. Payment examples: $100,000 FHA loan at 5.1713% APR financed for 360 months would be $546.22; $100,000 VA loan at 5.2061% APR financed for 360 months would be $548.36; $100,000 Conventional loan at 4.5277% APR for 180 months would be $764.99; $100,000 Conventional 1 YR ARM at 3.224% APR for 360 months would be $491.94 (initial period); $100,000 Conventional 3 YR ARM at 3.346% APR for 360 months would be $499.29 (initial period). Rates are subject to change at any time. Closing costs will be paid by the credit union (for a complete list of what will be covered, visit tyndall.org/mortgage_2ndchance). No cash out. Property securing the loan must be insured until the loan is paid in full. Property insurance, flood insurance, and property taxes may be escrowed into the monthly payment. Subject to application approval. Membership eligibility required; an initial $1 non-refundable membership fee will apply. Offer subject to change without notice.