Buy Now Free-Fi later. No cost refinance up to three years.

Buy or Refinance Now, and Get Your “Free-Fi” Later!

Introducing our exclusive Free-Fi promotion: Buy or refinance a home now, and refinance again for free within three years.

Members who purchase a home or refinance their current mortgage receive the opportunity to refinance again within three years.*

Here’s how it works:

  • Purchase or Refinance today
  • Make six payments
  • Refinance within three years with no lender fees

If you want to buy a home or need to cash-out on some current equity, you can breathe easy knowing you can refinance later.

Apply For Purchase Loan Apply For Refinance Loan Get a Personalized Rate Quote Online

Call or Click Now - Experienced Mortgage Experts Standing By

Email icon

Email us

SMS icon

Send us a text


By sending a text message, you consent to receive a text message response from USU Credit Union. Your provider's message and data rates may apply.

Phone icon

Call us directly


mortgage experts
available right now!
*Terms of Purchase or Refinance Now Offer: eligible for loan applications taken on or after May 13, 2024; home loan must close within 90 days of application; loan product must be: conventional loan sold secondary, GWCU 5/1 or 7/1 ARM, FHA, VA or USDA; must be owner occupied. Offer not valid if subject property is vacant or unimproved land, loan product is construction or reverse mortgage.
Terms of Free-Fi Offer: offer cannot be redeemed until six one-time payments have been made; offer must be redeemed within three years of note date; Free-Fi loan product must be a 15-to-30-year conventional loan (portfolio loans ineligible); origination fee waiver is limited to 1% of the loan amount or $4000, whichever is less; other lender and third party fees such as but not limited to underwriting, title, appraisal, recording are to be paid by borrower(s); subject property must be owner occupied; settlement services for Free-Fi loan must be provided by CU’s member-owned title company, Lincoln Title. Free-Fi offer not valid if: borrower(s) payments go 30 days past due within the three-year period, borrower(s) account is closed; borrower(s) is a member not in good standing.
Offer subject to membership, eligibility, credit-worthiness, and other requirements at the sole discretion of Goldenwest CU. Cannot be combined with other offers. Offer subject to change or expiration without notice. Only one Free-Fi can be redeemed per member/borrower. Equal Housing Lender. NMLS #440574