Listed rates are for purchases only. $397 is the difference between the amount paid in interest between EECU's rate at 3.29% APR compared to 4.28% APR for the Dallas-Fort Worth-Arlington Metro market average over the life of a $25,000 auto loan over 36 months..Are you tired of paying exorbitant fees for airport car parking? You’re not alone. Many travelers are constantly looking for ways to save money on this necessary expense. Luckily, ...Car Loans. With a Delta Community Car Loan, you can get that new ride you've always been dreaming about. Right now, through May 31, 2024, we're offering rates as low as 4.99% APR 1 on New and Used Car Loans for well-qualified borrowers with excellent credit. Be sure to also check out our great, low rates for recreational Vehicle Loans starting as low as 6.79% APR 1 available only for a ... Refinance your car with EECU and save money. Get no payments for 90 days and lower your monthly car payment. ... Home & Auto Insurance Business Banking Routing ... EECU is a not-for-profit credit union, owned by our members. ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save ...Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Auto Loans :: Rhode Island Credit Union. If you’re buying a new or used car, or refinancing your auto loan from. another lender, we can help. Features of Auto Loans. Fixed …A no-hassle auto loan with EECU will put you in the driver's seat without delay! Enjoy our competitive rates and excellent terms, and finance up to 100% of the price including tax, title and license with a new or used auto loan. To negotiate the best deal, get pre-approved first and then bring your pre-approval certificate with you when you ...For a 84-month term, a minimum loan amount of $30,000 is required. For a 72-month term, a minimum loan amount of $15,000 is required. Ready to buy your next car or vehicle? Educational Systems Federal Credit Union in MD offers auto loans for educators at competitive rates. Apply now.Are you in the market for a new or used car? A no-hassle auto loan with EECU will put you in the driver's seat without delay! Enjoy our competitive rates and excellent terms, and finance up to 100% of the price including tax, title and license with a new or used auto loan. ... Auto Loan Rates - Model Year 2016-2017; TERM: APR AS LOW AS ...Medical and life insurance seem to share much of the limelight, but car insurance is just important. How do you know you're covered for every possible scenario? Get top content in ...EECU home loan programs are only available in Texas. Loans are subject to credit approval and EECU lending policies. Rates and terms subject to change without notice. Membership in EECU is required. * For loan amounts between $647,200 and $2,000,000. Valid only for owner occupied, single family detached, primary residences.When it comes to purchasing a new car, fuel efficiency is a top consideration for many consumers. With rising gas prices and growing concerns about the environment, finding a vehic...Source: eecu.org. EECU Videos, Use nerdwallet's auto loan calculator to see an estimate of your monthly car payment and total loan cost based on vehicle price, interest rate, down payment,. Use our loan payment center to make payments to your eecu loan from your account or. Source: youcanfinance.com.auAuto Loan. Are you in the market for a new or used car? A no-hassle auto loan with EECU will put you in the driver's seat without delay! Enjoy our competitive rates and excellent terms, and finance up to 100% of the price including tax, title and license with a …EECU is a not-for-profit credit union, owned by our members. ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save ...Save Money on Your Auto Loan. Rates as low as 4.78 APR on new cars and used vehicles 2022 model year and newer when you purchase with the California Coast Credit Union Car Buying Service. Other rates and terms apply. Apply Now.Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan’s lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!A vehicle is the second-largest asset most people own. The buyer might need a loan to purchase it, or the owner might take out a loan on the vehicle to get cash. The vehicle itself...Auto loan rate trends. Since the first quarter of 2022, average auto financing rates have surged dramatically. For new vehicles, rates went from 4.07% in early 2022 to 7.18% at the end of 2023 — a 76% increase. During that same timeframe, rates for used car loans soared 38%, from 8.62% to 11.93%.Find a Dealer. Enjoy a hassle-free car buying experience, and buy your next car at one of EECU's Preferred Dealers. Enter your address below and select a vehicle make, so that …A new window will open with your mortgage management website where you can make payments, access statements, and view your loan details. Over the Phone. To make a payment over the phone, call (817) 882-0800. By Paper Statement. Every month you will receive a paper statement for your mortgage, that includes payment information.Find your local financial center or ATM. Making mortgage payments. Making a Credit Card Payment in Texas. Credit Union Auto Loan Payment in Texas. From cash to travel rewards, EECU delivers A Better Way of Banking® with our personal & student loan solutions. Open an account today!Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan’s lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Are you in the market for a new or used car? A no-hassle auto loan with EECU will put you in the driver's seat without delay! Enjoy our competitive rates and excellent terms, and finance up to 100% of the price including tax, title and license with a new or used auto loan. ... Auto Loan Rates - Model Year 2016-2017; TERM: APR AS LOW AS ...Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!For more information on GAP Coverage, contact the Member Service Center at (559) 437-7700 or 1-800-538-EECU. Or e-mail your questions and we'll reply as soon as possible: [email protected]. This is general information only. Please refer to your actual waiver certificate for terms, conditions, coverage, limitations, and restrictions.EECU CA License # 0711830. Educational Employees Credit Union (EECU) is based in Fresno, California. Experience Smarter Banking with EECU. We serve the Central Valley with branches in Fresno, Clovis, Hanford, Madera, Merced, Reedley, Sanger, Selma, Tulare and Visalia.Auto Loan. Are you in the market for a new or used car? A no-hassle auto loan with EECU will put you in the driver's seat without delay! Enjoy our competitive rates and excellent terms, and finance up to 100% of the price including tax, title and license with a new or used auto loan. To ...10% of monthly pmt., (min. $5.00/max. $50.00) Convenience Payment Fee. (Member agrees to pay a fee of upt to $5.00, or such other amount member be charged, when member elects to make a payment using, for example, a debit card, third-party service provider, or other payment method offered and accepted by EECU) $5.00. Credit Union Services.EECU is a not-for-profit credit union, owned by our members. ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save ...New and Used Auto loan rates are as low as 2.49% APR* during May 2021. Visit myEECU.org for rates & details.2016 AND OLDER. 9.79%. 36. $32.17. 1. LTV = Loan-to-Value. The rates, terms, and up to 100% financing on vehicle loans are available to well-qualified borrowers. Terms are also subject to limitation based on vehicle model year. In-house refinances are excluded.Call (817) 882-0800 for details. Auto Loan Rates As Low As. 6.44% APR *. New Auto Loan. 6.69% APR *. Used Auto Loan. Apply Online Schedule an Appointment. (817) 882-0800. I agree to receive SMS Text Messages at the above phone number from EECU for financial and banking services.Rates subject to change without notice. Listed rates are for purchases only. 90-day delay of first payment with credit approval. Interested in rates for additional model years? Call (817) 882-0800 for details. Auto Loan Rates As Low As. 6.44% APR. New Auto Loan. 6.69% APR. Used Auto Loan.About EECU EECU is a not-for-profit credit union, owned by our members. We offer everything you'd expect from a financial institution, but it's our commitment to delivering value, focus on supporting your community, and delivering a faster, friendlier personalized experience that truly reflects the EECU difference!An Adjustable Rate Mortgage, sometimes referred to as an ARM, has a lower rate and lower monthly payments for the first 3, 5 or 7 years, depending on the term you choose. But after an initial period, your rate and payment may change, based on interest rates at the time. The interest rate is not fixed for the entire life of the loan. The rate is ...Rates subject to change without notice. Listed rates are for purchases only. 90-day delay of first payment with credit approval. Interested in rates for additional model years? Call (817) 882-0800 for details. Auto Loan Rates As Low As. 6.44% APR. New Auto Loan. 6.69% APR. Used Auto Loan.Rate and loan amount subject to credit approval. Minimum APR is 6.64%. Maximum APR is 13.89%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness.Auto Loan Are you in the market for a new or used car? A no-hassle auto loan with EECU will put you in the driver's seat without delay! Enjoy our competitive rates and excellent terms, and finance up to 100% of the price including tax, title and license with a new or used auto loan.Refinance your car with EECU and save money. Get no payments for 90 days and lower your monthly car payment. Apply now for our car loan refinance. ... Cards Personal & Student Loans Mortgage & Home Equity Investments & Retirement Home & Auto Insurance Business Banking Routing # 311981614. Community. News & Insights Financial Literacy ...When it comes to buying a car, you want to make sure you’re getting the best vehicle for your money. But with so many different makes and models available, it can be hard to know w...618 E Shaw Ave. Fresno, CA 93710. 6.29%. Learn More. Learn More. The top auto loan rates from banks And credit unions In Fresno, California.EECU has my back. I have used them for checking, savings, and loans - and have built a long-term financial relationship with them! ... has a 2.74% interest rate which includes a 0.25% interest rate reduction for payments via auto pay5. The highest current APR, based on a 15-year repayment term (180 months), a deferred repayment plan with a ...Call (817) 882-0800 for details. Auto Loan Rates As Low As. 6.44% APR *. New Auto Loan. 6.69% APR *. Used Auto Loan. Apply Online Schedule an Appointment. (817) 882-0800. I agree to receive SMS Text Messages at the above phone number from EECU for financial and banking services.Other terms and conditions may apply. Membership in EECU is required – membership information available at eecu.org. 1 This information is estimated based on members whose auto refinance loans were booked with EECU between 09/01/2022 and 12/31/2022, had an existing auto loan on their credit report, and accepted their final terms.Other terms and conditions may apply. Membership in EECU is required - membership information available at eecu.org. 1 This information is estimated based on members whose auto refinance loans were booked with EECU between 09/01/2022 and 12/31/2022, had an existing auto loan on their credit report, and accepted their final terms.EECU's rate for a $15,000 auto loan beats the National average by up to 8% earning a Datatrac Great Rate Award and saving you as much as $559 over the life of the loan. Certified to save you money. loan amount. Select Type. EECU - New Auto - 36 Mo 6.44% APR2†. National Market Average - New Auto - 36 Mo 6.86% APR2. †.Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!DATCU in Dallas-Fort Worth, TX offers vehicle loans for cars, trucks and SUVs. Apply online to receive low rates with flexible terms. Our website uses cookies and other similar technologies to improve our site and your online experience. ... Auto Loan Rates. Year-Model Term Rate* 2020 — 2024: 72 months: 6.49%: 2020 — 2024: 75 months: 6.74% ...Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Consumer Reports is a trusted source for unbiased and reliable information on various products, including cars. Their top-rated cars list is highly sought after by consumers lookin...Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan’s lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Money Market Savings. AS HIGH AS. 2.78%. Annual Percentage Yield. Open Account Learn More. No monthly service fees 1. $2,500 minimum to open. Tiered interest rates. Interest paid monthly.Auto Loan Rates. Personal Loans Rates. Credit Rates. Boat, RV, ATV, Or Motorcycle Loans. Money Markets. Health Savings Accounts Rates. IRAs. Business Accounts. 2021 & Newer Vehicle Rates. Term APR Monthly Payment Apply For An Auto Loan. Learn about auto loans . 2014-2020 Vehicle Rates ...Educational Employees Credit Union (EECU) is based in Fresno, California. Experience Smarter Banking with EECU. We serve the Central Valley with branches in Fresno, Clovis, Hanford, Madera, Merced, Reedley, Sanger, Selma, Tulare and Visalia.Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!PayBreak Debt Protection 3 is a voluntary loan-payment protection product that helps you get relief from the burden of delinquency or default if a protected life event happens. Protected events include: loss of life, disability or involuntary unemployment. Call (800) 397-3790 and ask about protecting your loans, today.Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save thousands. *Click to Learn More SPECIAL OFFER FOR YOU $0 Down ...Other terms and conditions may apply. Membership in EECU is required - membership information available at eecu.org. 1 This information is estimated based on members whose auto refinance loans were booked with EECU between 09/01/2022 and 12/31/2022, had an existing auto loan on their credit report, and accepted their final terms.Refinance your car with EECU and save money. Get no payments for 90 days and lower your monthly car payment. Apply now for our car loan refinance. ... Cards Personal & Student Loans Mortgage & Home Equity Investments & Retirement Home & Auto Insurance Business Banking Routing # 311981614. Community. News & Insights Financial Literacy ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. Plus make no payments for 90 days. Learn More Educational Employees Credit Union (EECU) is based in Fresno, California. Experience Smarter Banking with EECU. We serve the Central Valley with branches in Fresno, Clovis, Hanford, Madera, Merced, Reedley, Sanger, Selma, Tulare and Visalia.You can also transfer funds from your EECU account directly to your EECU auto loan. Payments made from an EECU account will post the same day! Make a One-Time Payment Setup Recurring Payments or Pay From an EECU Account For All other loans. For more information on making payments for all other EECU loans, please call (817) 882-0800. Real ...Other terms and conditions may apply. Membership in EECU is required – membership information available at eecu.org. 1 This information is estimated based on members whose auto refinance loans were booked with EECU between 09/01/2022 and 12/31/2022, had an existing auto loan on their credit report, and accepted their final terms.If paying by check, make it payable to EECU and bring it to any EECU branch or mail it to the address below. If you have a payment coupon, be sure and include it. Otherwise, note the payment purpose and loan type in the memo section of the check. EECU P.O. Box 1777 Fort Worth,TX 76101-1777 Other terms and conditions may apply. Membership in EECU is required – membership information available at eecu.org. 1 This information is estimated based on members whose auto refinance loans were booked with EECU between 09/01/2022 and 12/31/2022, had an existing auto loan on their credit report, and accepted their final terms. Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save thousands. *Click to Learn More SPECIAL OFFER FOR YOU $0 Down ...Looking for a personal loan but not sure where to start? Our expert-approved guide on personal loans will help you get the best interest rate possible. There comes a time in everyo...Best auto loan lenders in 2024. A beginner’s guide to auto loans. Current car loan interest rates. Auto loan rates by credit score. What to know before applying for an … Today's Mortgage Rates as Low as. 6.967% APR *. 15 Year Fixed Conforming 1. Apply Returning Applicant. (817) 882-0181. Schedule a Mortgage Review: *. *. I agree to receive SMS Text Messages at the above phone number from EECU for financial and banking services. Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!EECU is a not-for-profit credit union, owned by our members. ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save ...When it comes to buying a car, one of the most important aspects is gathering information about different models and their performance. This is where cars ratings and reviews play ...Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!New and Used Auto loan rates are as low as 2.49% APR* during May 2021. Visit myEECU.org for rates & details.EECU is a not-for-profit credit union, owned by our members. ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save ...Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!With 13 Fresno credit unions offering vehicle loans in the area, be sure to call or stop to get the lowest auto loan rates. The latest national averages for a New 60 month car loan has credit unions at 4.74% and banks at 5.53%. Rates listed reflect the most recently reported average rates current members are paying on their loans.Due to a number of factors, interest rates are high right now. The average new car payment is $726 per month, according to Experian data. Risk of damaging your finances. If you struggle with ...Thank you for choosing EECU for your auto loan. You can make your auto loan payment conveniently and securely using Online Banking. Still have questions? (817) 882-0800. Paying from an EECU Account You can make a one-time or automatic recurring payment directly from an EECU checking or savings account by setting up a transfer in Online Banking. ...
Auto Refinance Need some extra cash? Refinance your auto loan today. Want to lower your monthly car payment? Let EECU refinance your current auto loan, and you could save $125 or more per month**, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days!. Is thomas bryant related to kobe bryant
Schedule an Appointment at an EECU branch office. Branch Hours (except the Clovis West branch) Monday - Thursday 9 a.m. - 5 p.m. Friday 10 a.m. - 6 p.m. Clovis West branch Monday - Friday 8:30 a.m. - 4:30 p.m. EECU LocationsUsed car. Refinance. We can help. Fixed rates and flexible terms; Loans for dealership or private auto sales; Get my rate Check application status. See today's Auto Loan rates. Auto Loan Rates. New Auto Loan (2022 and newer) 7.34% - 11.04%. Annual Percentage Rate (APR) The cost of the loan, including interest and fees.EECU is a not-for-profit credit union, owned by our members. ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash bonus! Save hundreds - or even thousands of dollars on interest over the life of the loan. ... An EECU Personal Loan, with a rate as low as 8.99% APR*, could help you save ...Refinance your car with EECU and save money. Get no payments for 90 days and lower your monthly car payment. Apply now for our car loan refinance. ... Cards Personal & Student Loans Mortgage & Home Equity Investments & Retirement Home & Auto Insurance Business Banking Routing # 311981614. Community. News & Insights Financial Literacy ...Classic Auto. If you're into the classics, we've got a deal for you. Finance autos 10 years or older. See important rate, fee and other cost information. Apply Now!Auto Credit Cards Personal & Student Loans Mortgage & Home Equity Investments & Retirement Home & Auto Insurance Business Banking Routing # 311981614 ... Use our Loan Payment Center to make payments to your EECU loan from your account or debit card with another financial institution. Payments made before 6:00 p.m. CT will post to your loan the ...Used Auto Financing: Financing available up to 100% of retail Kelley Blue Book or NADA Guide (plus tax, license, MBI or dealer warranty, GAP, and applicable EECU fees). Educational Employees Credit Union (EECU) is based in Fresno, California. Experience Smarter Banking with EECU. We serve the Central Valley with branches in Fresno, Clovis ...Are you in the market for a new or used car? A no-hassle auto loan with EECU will put you in the driver's seat without delay! Enjoy our competitive rates and excellent terms, and finance up to 100% of the price including tax, title and license with a new or used auto loan. ... Auto Loan Rates - Model Year 2022-2024; TERM: APR AS LOW AS ...Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Low rates: Our local decisions come with competitively low auto loan 1 interest rates on new and used cars, pickups and SUVs. Easy terms: We have different term options available for used and new auto loans. Affordable payments: We work hard to keep your monthly car payment affordable. Calculate your new or used auto loan payment.Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of dollars—on interest charges over the loan's lifespan. Plus make no payments for 90 days! Please note: refinancing is not available for autos already financed with EECU!Your principal and dividends are federally insured and your account may be used as collateral for a low-rate EECU loan. Key features: As low as $1,000 minimum to open. Flexible terms - 3 months to 5 years. Interest paid monthly. ... Let EECU refinance your current auto loan, and you could save $125 or more per month plus get a $200 cash …Low Rates. Both new and select used cars are eligible for our Auto Loans. The Dade Auto Desk allows you to explore your options and buy with confidence . Click To Apply. Car Loan Rates . Main Branch. 1500 NW 107 Avenue Miami, FL 33172. Lobby Hours: Mon - Wed 9:00 a.m. - 5:00 p.m. ThurAuto Loans - Auto Loan Refinance. Beware of Fraud: EECU will never contact you and ask for personal or account information. If you are concerned about a call, text, or email you have received, contact us at (817) 882-0800. ... Let EECU refinance your current auto loan, and you could save $131 per month 1, plus hundreds—or even thousands of ...2016 AND OLDER. 9.79%. 36. $32.17. 1. LTV = Loan-to-Value. The rates, terms, and up to 100% financing on vehicle loans are available to well-qualified borrowers. Terms are also subject to limitation based on vehicle model year. In-house refinances are excluded..
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