When this happens, we can help you determine when it makes sense to refinance. The benefits of refinancing include the possibility of reducing your monthly payment, reducing the amount of time required to pay off the loan or converting an adjustable rate loan to a fixed rate.
We offer:
- Conforming, conforming plus and jumbo options
- Second home and investment properties
- FHA loans
The Choice is Yours
No-Cost Refinance
Perfect for: existing homeowners wanting to accelerate the payoff of their mortgage with a shorter term
A fixed-rate loan with no points, no fees, and no closing costs. Choose from 7- or 15-year terms, or 12-year terms for investment properties.
- Borrow up to 80% of the appraised home value for primary residences
- Borrow up to 70% for second homes and investment properties
- Available for California primary, second, and investment properties
Traditional Refinance
Perfect for: lowering your current rate or payment, or converting an adjustable rate to a fixed rate
Choose fixed- or adjustable-rate options, with no-point options available or the ability to pay points to reduce your rate. Terms are available at 15-, 20-, and 30 years, with various loan-to-value options depending on the property.
Available for California, Colorado and Nevada properties.
Get Started
To find out if refinancing makes sense for you, call a member service representative at (888) 858-6878 ext. 5282. We’ll take your request over the phone and tell you how much you qualify for and provide the rate, term and monthly payment amount.
Refer your family and friends
You'll both get $50 when they open an account. Refer up to 10 friends and receive $500!