get the home you want now, and a rate you like better later*

The home you want now won’t wait for the best rate—but you can*, thanks to Free-Fi at Western Vista! 

Here’s how it works:

  • Get pre-qualified for your home loan
  • Know the exact amount you can offer for the home you want
  • Secure your home loan quickly, thanks to our local underwriting process
  • After at least 6 months*, refinance your home loan with us—and lock in a new (potentially lower) rate 

If you’ve been on the fence about the right time to buy… Free-Fi offers the flexibility and freedom to get the home you want now, and a rate you like better later*.



Get Prequalified to buy a home

Being prequalified for a home loan gives you an edge! 

When you walk through a home and fall in love, you can make your offer right then and there. 


  • You’ll enjoy a quick approval process, thanks to our local lenders and local underwriting
  • You’ll know your loan amount, interest rate, and monthly payment ahead of time 
  • You can make a confident offer that’s within your pre-approved price range 

The secure online application takes 20 minutes or less to complete, or you can contact our friendly, local loan officers to start the pre-qualification process over the phone:


Meet Your Lenders

Call or text our friendly, local loan officers at 800-310-2197 to start your pre-qualification process over the phone, or fill out the form below.



Chance McLean
Mortgage Loan Originator
NMLS #2247132

Lori McLean
Mortgage Loan Originator
NMLS #915604



Get pre-qualified for Free-Fi




The home you want won’t wait for the best rate… but you can, with Free-Fi!

Wondering how Free-Fi can make a difference for you? This Loan Fee Comparison offers an example of how you might save.

* Credit union membership required. Not all will qualify. Borrower must close their purchase loan between March 15, 2024 and August 31, 2024. Free-Fi program expires October 31, 2025. Borrower must meet the same or better credit and debt-to-income ratios at purchase to be eligible for Free-Fi. Borrower must make six (6) consecutive monthly mortgage payments on time to qualify.Borrower’s new Free-Fi market rate must be at least 1% lower than the existing rate to qualify. Borrower must compare like term from purchase to refinance. Only loans originated by Western Vista mortgage qualify for the Free-Fi program. Free-Fi offers eligible buyers a refinance with waived lender fees (origination, processing and underwriting, administrative, closing and funding fees).Fees that are not included in the Free-Fi program: buydowns, discount points, third-party fees such as tax services, wire fees, title fees, appraisal, credit report, settlement, attorney, insurance, legal review or other government fees. Refinancing may cause the charges or balance to be higher and create finance charges higher over the life or term of the mortgage. Free-Fi refinance applicable for rate only; not eligible for cashout. Single-family residence owner-occupied properties only. Borrower(s) must close the loan with Western Vista with a conventional conforming, jumbo conforming, conventional, non-bond FHA, VA or USDA loan. Borrower must requalify at the time of Free-Fi application and must provide all requested financial documentation. The Free-Fi program is not a guarantee that the borrower and/or property will qualify for refinancing in the future. Free-Fi cannot be used to change properties’ titling structure.Promotion is not applicable for commercial, land loans, HELOC or fixed second. Borrower is responsible for all MI premiums and prepaids, such as insurance and tax escrow obligations. This program is not available in all states. Limitations apply. This program is not a commitment to lend in the future. Western Vista reserves the right to cancel the Free-Fi program at any time during the promotion period. Free-Fi offer cannot be transferred or redeemed for cash or future credit. Promotion cannot be combined with other programs or applied on previously closed loans. Free-Fi may only be used once by borrowers.
Western Vista Credit Union is federally insured by NCUA. Equal housing lender. NMLS #431448