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Mortgage Refinance

Your biggest investment can pay off.

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Here's to local servicing and lifelong savings

Whatever your goal, we’ll work with you to refinance on your terms. We keep your servicing local, which means your questions and concerns will be addressed quickly by people you know and trust.

Why refinance?

  • Dollar Down Arrow

    Lower your monthly payments

    Refinancing at the right time and term may reduce your monthly payments and increase your cash flow.

  • Calendar

    Reduce the term of your loan

    At lower terms, you’ll pay less overall by reducing your interest payments and paying the loan earlier.

  • Hand With Dollar

    Consolidate debt

    Need to consolidate debt? Refinancing may help you pay off debt faster and at a lower interest rate.

  • House

    Make home improvements

    Refinancing can be a low-cost option for covering high-cost home improvements.

Current Rates

Conventional Mortgage 1,2

Type

Term

Rate

APR

APR = annual percentage rate. Mortgage rates are published daily and assume zero (0) points. Adjustable rates may adjust 2% annually after the fixed rate period with a 5% lifetime cap.

Type

Fixed rate

Term

30 years

Rate

6.625 %

APR

6.69%

Type

Fixed rate

Term

20 years

Rate

6.500 %

APR

6.58%

Type

Fixed rate

Term

15 years

Rate

6.125 %

APR

6.21%

Type

Fixed rate

Term

10 years

Rate

6.125 %

APR

6.21%

Type

1-year adjustable rate

Term

30 years

Rate

5.500 %

APR

6.91%

Type

3-year adjustable rate

Term

30 years

Rate

5.750 %

APR

6.73%

Type

5-year adjustable rate - conforming

Term

30 years

Rate

5.750 %

APR

6.55%

Type

5-year adjustable rate - non-conforming

Term

30 years

Rate

6.625 %

APR

7.49%

Type

7-year adjustable rate

Term

30 years

Rate

6.875 %

APR

6.98%

Estimate your monthly savings

Enter the details for your original loan, the amount you wish to refinance, and your new desired term to estimate your monthly payment and interest rate.

Calculated payments shown are for estimation purposes only. Actual loan payment amount and interest rate will be disclosed at loan closing and may differ slightly.

Is refinancing right for you?

There are a number of good reasons to refinance your mortgage. Refinancing can reduce your monthly payments, making it an effective way to improve your cash flow and minimize your overall mortgage debt.

You could also use it to shorten your loan term so that you can pay down the loan faster, or to consolidate other debt you have accumulated. It’s important to remember that refinancing does include closing costs, so consider the benefits and the costs and work with your mortgage originator to determine if this is the right option for you.

Signing Mortgage Paperwork - Long Form Txt

Let us recommend the perfect refinance option for you

Select all that apply or scroll down to view all your options.

FAQs

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Disclosures

1
– Payment examples do not include amounts for taxes and insurance premiums and actual payment obligation may be greater than illustrated. APR = annual percentage rate.
2
– APR = annual percentage rate. Fixed rate mortgage payment example: A fixed rate loan of $180,000 for 30 years at a 3.750% interest and an APR of 3.800% is a $834.00 monthly payment. Adjustable rate mortgage payment example: The adjustable rate mortgage is a variable rate loan; interest rates and payments may increase after the original fixed-rate period. Your interest rates and payments may increase after the original fixed-rate period. A loan for $180,000 at a 2.500% initial interest rate and APR of 3.454%, subject to increase, will have the following monthly payment: 12 payments of $711.22 at an interest rate of 2.50%, 347 payments of $711.22 at an interest rate of 3.50% and 1 payment of $805.67 at an interest rate of 3.50% based on the current index plus a margin.