Home Mortgages and Refinances

Flexible options to get the most out of Home Financing

Loans and refinancing you can count on

Finding the best financial solutions for your mortgages, home loans and refinancing is all about having options. We provide flexible options so you can refinance your property with the right mortgage to fit your needs and preferences.
House Keys on a key ring with a wooden keychain in the shape of a house

Different mortgages to consider as you refinance your home include:

  • Conventional Mortgage — This type of home loan is funded by a private lender or banking institution, and often comes with lower interest rates than other loan types. Qualified borrowers who can make at least a 20% down payment won’t have to pay for mortgage insurance, either. While it isn’t backed by a government agency such as the FHA or VA, a conventional mortgage often meets the down payment and income requirements set by Fannie Mae and Freddie Mac, as well as loan limits set by the FHFA.
  • First Time Homebuyer Loan — For those who are first-time homeowners, there are numerous mortgage options available, including FHA loans for those with lower credit scores, VA loans for veterans and active military personnel, Fannie Mae and Freddie Mac loans and several other choices that may fit your qualifications. 
  • Construction Loan — If you’re building a new property, a construction loan is a great mortgage option to consider. Construction loans are especially advantageous if your credit is in good standing, and our team can work with you to help you qualify.
  • Refinance — One of the most profitable ways to save money and get the most out of your real estate is refinancing your existing mortgage. We’re here to help you compare interest rates and refinance to help you get the benefit of lower monthly payments.

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How to Know When to Refinance — and Tips to Do It Right

Wondering if it’s the right time to refinance your home loan? Here’s what you need to know to benefit from refinancing.

What Is Refinancing?

Refinancing is the process of taking on a new home loan that also pays off your existing mortgage. Because it is a new loan, a refinance can often provide you with different terms that may better fit your situation.

Benefits of Refinancing

With a refinanced home mortgage, you may be able to:

Refinance Rates Have Advantages

One of the most common reasons to get a refinance for home mortgages or real estate loans is getting a lower interest rate—which saves you money. As you assess your options, keep these tips in mind.

Benefits of a Credit Union

At times, the interest rates we can offer may be more affordable than your existing mortgage. And our commitment to customer service means that we will be happy to help you consider your options to make sure a refinance is right for you.

Expenses to Keep in Mind When You Refinance

As with any loan, it is a good idea to consider all costs associated with refinancing. As you decide whether a refinance is the right move for you, weigh all the terms of the loan.

Immediate Costs — The process of refinancing may require payment of various costs, such as:

  • Insurance
  • Closing costs
  • Property taxes 

Overall Terms — Consider whether a refinance will give you better terms of meeting the loan, such as:

  • Will it increase or decrease the interest rate you’re paying?
  • Will it increase or decrease monthly payments?
  • Will it lengthen or shorten the life of the loan?
  • What do your new payments include—and is it better than what your old payments included?

Know that Rates Can Vary

Remember that as with any loan, a refinanced home mortgage is based on your personal finances, including your credit score and other factors unique to you. Be sure to find out how your financial situation will affect the terms of a loan before committing to a refinance.

Contact one of our loan officers for current rates

Frequently Asked Questions about Refinancing

What is the refinancing process like?

What kinds of mortgages can be refinanced?

What can I do to improve my chances of getting a good loan at a good rate?

How does my credit rating affect refinancing? 

Should I refinance for 10, 15, or 30 years? 

If I only plan on living in my house for a few years, should I consider refinancing? 

What documents are needed to apply for a mortgage loan or refinance?

What is the best way to transition to your new loan?

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