REFINANCE HOME LOANS

Getting a mortgage doesn't mean you're trapped in that rate or term. You may want to consider refinancing if your credit has improved, you want to switch from an adjustable-rate mortgage to a fixed one or if interest rates have dropped.

Today's rates

As low as 5.500% (5.86% APR).

SEE ALL REFINANCE RATES

Why Refinance?

If you had average credit or a short credit history when you got your mortgage and your score has since improved.
Lock in a new rate with a 30-year fixed loan. (SEE ALL FIXED REFINANCE RATES)
Choose a shorter term — 10 or 15-year fixed — to pay off your home sooner and potentially less interest overall. (SEE ALL FIXED REFINANCE RATES)
Opt for an adjustable-rate loan to get a lower starting rate.
Take cash out to pay off high-interest debt or make home improvements.
Removing Private Mortgage Insurance (PMI) (if applicable).

We close most refinance loans in 30 days.

YOUR HOME: LOVE IT, LIST IT OR REFINANCE

GET STARTED

Let's chat

If you are ready to refinance or would like to compare different loan options, a loan consultant can help.

Call (800) 462-8328, ext. 8288

Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.

Or make an appointment with a loan consultant in person, over the phone or at a branch.

Submit an application

Apply online through our application platform. Log in with your SchoolsFirst FCU user name and password, or as a guest.

If we aren't the best deal, we'll tell you.

If you've shopped around, we'll gladly compare your options to help you make a confident choice — even if that means choosing another lender.

Disclosures

APR = Annual Percentage Rate. All loans subject to approval.

The interest rates and APRs listed above are effective as of 12/15/2024 and are subject to change without notice. The pricing you may qualify for is based on factors including your credit rating and loan-to-value (LTV) of your property. A minimum credit qualifying score is required.