Refinance your home

Looking to lower your rate or pay off your home sooner? Searching for low, competitive interest rates? We have the right loan to meet your needs.

Loan Types

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First Mortgage

Long-term mortgages for new and first homes

Discover First Mortgages
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Short-Term Mortgage

Save money and pay off your home sooner

Shorten Your Mortgage

*Home Equity Loan: Loans subject to credit approval. See current rates and terms. Home equity financing will require a minimum of a 10% down payment. For example a $100,000 loan approved at 90% of value would require a down payment of $10,000. The minimum payment for a $90,000 loan with a 6.99% APR and 10-year term is $1044.51.  This payment example does not include taxes and insurance.  Your actual payment may be higher.  The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan.  See our Loan Calculators for specific examples. You may prepay you loan at any time without penalty.  In the case of Home Equity Line of Credit (HELOC), Equity Loan, or a no-fee first mortgage loan, we may require repayment of the hard costs if the loan is paid off within the first two years.

*HELOC: University Credit Union HELOC's have a 10 year draw period followed by a 10 year repayment period. Minimum line of credit is $5,000 with a $100 minimum advance. Fees will be incurred if HELOC is closed within 24 months of its origination date.  You may prepay you loan at any time without penalty.  In the case of Home Equity Line of Credit (HELOC), Equity Loan, or a no-fee first mortgage loan, we may require repayment of the hard costs if the loan is paid off within the first two years.

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