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Refinance Your Mortgage and Save

Depending on the terms of your current loan and how long you plan to stay in your home, refinancing could be the best option for you. Whether you have an existing loan with us or one with another lender, we have fixed- and adjustable-rate options that could save you money.

  • Get a Better Loan

    Refinance to a lower rate or pay off your loan faster with a shorter term.

  • Take Cash Out

    Use the equity in your home to pay for home improvements, a down payment on a second home or college tuition.

  • Convert to a Fixed Rate

    Refinance to lock in a new rate and ensure a stable payment for the life of your loan.

Wondering if refinancing is the right choice for you? See when it makes the best financial sense.

 

Refinance Options1

From fixed and adjustable rates to options that don't require a down payment2, we have a mortgage to fit your needs. View our rates and crunch your numbers to see what works best with your budget. 

Mortgage Refinancing Resources

Disclosures

1

These rate offers are effective 10/04/2023 and subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates quoted require a loan origination fee of 1.00%, which may be waived for a 0.25% increase in the interest rate. Many of these programs carry discount points, which may impact your rate.

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2

Product features subject to approval. Available for purchase loans only. Loans are subject to an additional funding fee, which may be financed up to the maximum loan amount. 

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3

A VA loan of $300,000 for 15 years at 6.375% interest and 7.131% APR will have a monthly payment of $2,592.
A VA loan of $300,000 for 30 years at 7.000% interest and 7.471% APR will have a monthly payment of $1,995.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. If you have less than your VA home loan entitlement, limitations to your loan amount may apply. 

 

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4

A VA Streamline loan of $300,000 for 15 years at 6.375% interest and 7.131% APR will have a monthly payment of $2,592.
A VA Streamline loan of $300,000 for 30 years at 7.000% interest and 7.471% APR will have a monthly payment of $1,995.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.

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5

All Choice loans require a 1.00% loan origination fee. The origination fee may be waived for a 0.25% increase in the interest rate. All Choice loans are subject to a funding fee of 1.75% of the loan amount. This funding fee can be financed into the loan up to a maximum of 101.75% LTV, or the fee can be waived for a 0.375% increase in the interest rate. Purchase loans require no down payment. LTV restrictions apply to refinance loans. Note: To be eligible for Military Choice, at least one borrower must be Active Duty, Reservist, or a veteran.

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6

A Military Choice loan of $300,000 for 30 years at 8.500% interest and 8.862% APR will have a monthly payment of $2,306. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
Jumbo Loans: Loan amounts greater than $726,200. The Jumbo rates quoted above are for loan amounts above $726,200 up to $1,000,000.

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7

A fixed-rate loan of $300,000 for 15 years at 6.750% interest and 6.951% APR will have a monthly payment of $2,654.
A fixed-rate loan of $300,000 for 30 years at 7.250% interest and 7.403% APR will have a monthly payment of $2,046.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
Jumbo Loans: Loan amounts greater than $726,200. In AK and HI, the Conforming loan limit is $1,089,300. The Jumbo rates quoted above are for loan amounts above $726,200 up to $2,000,000.

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8

A Homebuyers Choice loan of $300,000 for 30 years at 8.625% interest and 8.990% APR will have a monthly payment of $2,333. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
Jumbo Loans: Loan amounts greater than $726,200. The Jumbo rates quoted above are for loan amounts above $726,200 up to $1,000,000.

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9

Adjustable Rate Mortgages are variable, and your Annual Percentage Rate (APR) may increase after the original fixed-rate period. The First Adjusted Payments displayed are based on the current Constant Maturity Treasury (CMT) index, plus the margin (fully indexed rate) as of the stated effective date rounded to nearest 1/8th of one percent. All loans subject to credit approval.

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