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AACREDITUNION.ORG | 35 REFINANCING PROGR A MS As interest rates continue to change, refi nancing your mortgage may save you money on your monthly payment, if the current value of your home has increased. Visit AACreditUnion.org to fi nd out more about: • Refi nancing Options: Do you have a mortgage with another lender? Our refi nance programs may be a better fi t. • Rate Modifi cations: If you currently have an American Airlines Credit Union Mortgage Loan, we may be able to change your interest rate or loan program for a low fee. • Streamline Refi nance: This option can lower overall monthly payments, but is reserved for member-owners who currently have their mortgage with American Airlines Credit Union. HOME EQUIT Y LINE OF CREDIT The equity in your home is a valuable resource, and we want to help you tap into it. Our Home Equity Lines of Credit can be used for many purposes, such as adding a room, buying a car or consolidating high-rate credit cards. You can even fi nance an education or take a much-deserved vacation. Access your fi xed or variable rate line of credit when you want it. This convenient account provides the fl exibility to borrow the amount you need when you need it. †† Visit AACreditUnion.org or call a Mortgage Loan Specialist for specifi c terms and conditions. * Members on the Move is provided by CARTUS. Cash back is not available in some states. All real estate commissions are negotiable. Contact a consultant for terms and conditions in order to confi rm eligibility. ** $3,000 is based on an average purchase or sale price of more than $499,999. † The number of Connection Points awarded in conjunction with your new American Airlines Credit Union Mortgage Loan is 25,000 points for new mortgages to American Airlines Credit Union that are between $50,000 and $250,000 in loan principal amount for a fi rst-lien mortgage. For loans greater than $250,000, an additional 10,000 Connection Points will be awarded. Off er valid for new mortgages at American Airlines Credit Union. Internal Equity Line of Credit Loans are not eligible. One award per funded loan. Prior to closing on your mortgage loan, you must have an open Consumer American Airlines Credit Union Visa® Platinum Rewards Credit Card and be a member in good standing to receive Connection Points. American Airlines Credit Union Visa Platinum, Platinum Secured and all other credit cards and debit cards are not eligible for this off er. For Connection Points rules, please go to AACreditUnion. org/pdf/connectionpointsrules. pdf. Allow 4 to 6 weeks after closing date for balance to appear on your "Connection Points Summary." American Airlines Credit Union reserves the right to change or end the Mortgage Connection Points Program and its rules and conditions at any time without notice. Connection Points powered by CURewards®. Visa is a registered trademark of Visa International Service Association. † † Only one Home Equity Line of Credit is allowed in the state of Texas per year. The minimum draw amount is $4,000. For more information or to apply, visit us at HomeLoAAns.org. Or speak with a Home Loans representative at (800) 533-0035, Ext. 4201. Home FACT: Remember that we don't sell our mortgage loans to other lenders.