Refinancing Your Home

Make your home loan work better for you and your goals

Features & Benefits

Express Refinancing
Fixed-rate Solutions
Adjustable-rate Solutions
Fast Preapprovals
Free, No-obligation Consultations

Take Advantage of Better Interest Rates

If current mortgage rates are lower than when you purchased your house, it may be an indicator that now is a good time to consider refinancing.

Reduce Monthly Payments

Looking to make your existing mortgage more budget-friendly? Refinancing to reduce your rate or extend your loan term may help you achieve just that!

Get Predictable Payments

Converting your Adjustable-rate Mortgage (ARM) to a Fixed-rate Mortgage may be a good option if you want more predictable monthly payments.

Pay Off Your Loan Faster

Have your finances improved? If you're in a better financial position now than when you purchased your home, refinancing to a new rate and term could help you pay off your home loan faster.

Borrow Cash

Tap into your home equity to get cash when you refinance. Cash-out refinancing can be a good option for larger, long-term expenses, like home improvements.

Is Refinancing Right For You?

How long do you plan to stay in your home?

It can take several months, or even years, to break even on refinancing costs. If you're expecting to move in the near future, staying with your existing mortgage may be a better option.

Does your budget support closing costs?

Similar to your original mortgage, there will likely be closing costs with refinancing that may be due at closing.

How's your credit?

Your credit score can impact your ability to qualify for better rates.

If you're doing cash-out, how will you use the funds?

Because you'll be paying interest on the cash over the life of the mortgage, the cash is best used for large, long-term investments like home improvements or college expenses.

For other expenses, like a new car, consider conventional financing options first. Home loans typically have longer terms which can lead to you paying more interest than a shorter term conventional loan with a comparable rate.

Rates, Terms & Payments

Term Rate As Low As APR1 As Low As Points Payment Per $1,0002
30 -Year 6.250% 6.365% 0% $6.19
20 -Year  6.000% 6.150% 0% $7.21
15 -Year 5.750% 5.938% 0% $8.37
10 -Year 5.750% 6.016% 0% $11.08
Effective Date: September 26, 2022
1: APR (Annual Percentage Rate) assumes $150,000 financed with a loan-to-value (LTV) of 80% or less and a down payment of 20% for borrowers with excellent credit (740 or higher). Mortgage rates valid daily. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. 
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $0. Your actual APR may be different depending upon these factors.
2: Actual payments will be higher with taxes and insurance, which will increase your actual monthly payment.

 

Loan-to-value 70% and under.

Term Rate As Low As APR1 As Low As Points Payment Per $1,0002
8 -Year 4.190% 4.260% 0% $12.31
10 -Year  4.390% 4.447% 0% $10.33
15 -Year 4.840% 4.880% 0% $7.84
Effective Date: September 26, 2022
1: APR (Annual Percentage Rate) assumes $150,000 financed with a loan-to-value (LTV) of 80% or less and a down payment of 20% for borrowers with excellent credit (740 or higher). Mortgage rates valid daily. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $0. Your actual APR may be different depending upon these factors.
2: Actual payments will be higher with taxes and insurance, which will increase your actual monthly payment.

 

Term Rate As Low As APR1 As Low As3 Points Payment Per $1,0002
3 -Year 5.250% 5.358% 0% $5.56
5 -Year 5.500% 5.610% 0% $5.71
7 -Year 5.625% 5.735% 0% $5.79
Effective Date: September 26, 2022
Membership eligibility is required.
1: APR (Annual Percentage Rate) assumes $150,000 financed with a loan-to-value (LTV) of 80% or less and a down payment of 20% for borrowers with excellent credit (740 or higher). Mortgage rates valid daily. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $0. Your actual APR may be different depending upon these factors.
2: Actual payments will be higher with taxes and insurance, which will increase your actual monthly payment.
3: Adjustment is based on the SOFR index plus margin of 2.75%. Maximum annual adjustment on 1, 3, and 5 year is 2%; maximum over the life of the loan is 6%. Maximum annual adjustment on 7 year is 2%; maximum over the life of the loan is 5%. No conversion option. Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period: after 3 years for a 3yr/1yr ARM, 5 years for a 5yr/1yr ARM, and 7 years for a 7yr/1yr ARM; the 1 yr indicates that the interest rate is subject to adjustment once per year after initial term).

 

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NMLS ID 718926 - Equal Housing Opportunity. Membership eligibility is required.