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Take your rate with you. Don’t leave your rate behind.
If you have a Firefighters First mortgage and are planning to move, you may not have to leave your rate behind. Move & Save was built for members who have earned a good rate and want to keep it. If you paid off your Firefighters First mortgage within the past six months, or plan to within the next six months, and meet the eligibility requirements, we will apply your previous note rate to your new home loan for three full years. Available for primary homes and vacation properties. Exclusively for Firefighters First members.
Why Move & Save matters for the Fire Family.
Mortgage rates move with the market, and if you locked in a low rate on your last Firefighters First Credit Union home loan, moving to a new home at today’s rates could mean a significantly higher monthly payment. Move & Save removes that barrier.
By carrying your previous rate for three full years on your new loan, you gain time to settle in, build equity and plan your next financial move without the pressure of a higher payment from day one. It is one of the ways Firefighters First Credit Union goes beyond a standard mortgage.
How Move & Save works from
application to closing.
Four straightforward steps from application to closing, with our team guiding you through eligibility and your qualifying rate along the way.
Verify your eligibility.
A quick, guided application with expert support when you need it.
Confirm your rate.
Get personalized terms and lock in your rate with confidence.
Documents are updated.
Finalize your loan and move forward knowing you’re supported.
Move & Save is not for everyone. Here is who qualifies.
Not everyone qualifies for Move & Save. Review the requirements below to see if you are eligible before starting your application.
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Paid off or will pay off your mortgage within six months. -
No 30+ day delinquencies in the past 12 months.
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First lien mortgage owned by Firefighters First Credit Union at payoff.
Everything you need to know about Move & Save.
What Is Move & Save?
Move & Save is an exclusive Firefighters First Credit Union program that allows eligible members to carry the note rate from their previous Firefighters First Credit Union mortgage to their new home loan for three full years.
How Long Is the Rate Locked In?
Your matched rate applies for three full years on your new loan.
Who Is Eligible?
You must have paid off your Firefighters First Credit Union mortgage within the past six months or plan to within the next six months, have no delinquencies of 30 days or more on any Firefighters First Credit Union accounts in the past 12 months, and meet standard underwriting and credit approval requirements. The paid-off loan must be a first-lien mortgage owned and retained by Firefighters First Credit Union and not sold to a third-party investor.
Can I Use Move & Save for a Vacation Home?
Yes. The program is available for both primary home and vacation property purchases.
Why Do I See Standard Rates When I Apply Online?
The online application initially displays standard market rates. Your qualifying Move & Save rate will be confirmed and applied after our team reviews your eligibility. If eligibility is confirmed before your Loan Estimate is issued, the adjusted rate will appear on the initial Loan Estimate. If confirmed afterward, a revised Loan Estimate will be provided.
What if my previous Firefighters First Credit Union mortgage was sold to Fannie Mae or Freddie Mac?
Loans that were sold, assigned or transferred to Fannie Mae, Freddie Mac or any other third-party investor are not eligible for the Move & Save program. The qualifying loan must have been owned and retained by Firefighters First Credit Union at the time of payoff.
Is My Rate Guaranteed Once I Apply?
Your rate match is subject to eligibility confirmation, underwriting review and credit approval. It is not guaranteed until all conditions are met and final approval is issued.
The Move & Save Mortgage Program is offered by Firefighters First Credit Union and is subject to change or discontinuation at any time without prior notice. Eligibility is not guaranteed and is contingent upon meeting all applicable underwriting guidelines, loan approval conditions and specific program criteria, including but not limited to the timely payoff of an existing mortgage with Firefighters First Credit Union either within 180 days prior to the new loan closing or within 180 days following the new loan closing. All loan applications are subject to credit approval. Additional restrictions may apply. The loan being paid off must have been a first-lien mortgage loan owned and retained by the Credit Union at the time of payoff. This program does not apply to any mortgage loan that was sold, assigned or otherwise transferred to Fannie Mae, Freddie Mac or any other third-party investor.
The interest rate displayed during the online application or rate inquiry process reflects the standard rate for the 3/1 Adjustable Rate Mortgage (ARM) product and does not include any rate reductions or program-specific adjustments. If an applicant is determined to be eligible for the program based on a review of credit qualifications, account history and documentation provided, and if all underwriting conditions are met, Firefighters First Credit Union may offer an interest rate on the new loan that matches the interest rate of the applicant’s previously paid-off mortgage loan with Firefighters First Credit Union. Rate match consideration is limited to the note rate of the most recently paid-off qualifying loan and is subject to maximum allowable rate adjustments under current lending guidelines. The matched rate is not guaranteed and may be denied based on risk-based pricing, changes in credit profile, updated property or income verification or other factors as determined by underwriting review.
Firefighters First Credit Union is an Equal Housing Lender.
NMLS ID #649058.
Subject to credit approval.