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Loans. For. Life.
Keep your Home. Trade your Rate.
The best time to refinance your home loan is when current rates are lower than your existing rate. 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
| Options | No-Cost Refinance | Traditional Refinance |
|---|---|---|
| Perfect for: | Existing homeowners wanting to accelerate the payoff of their mortgage with a shorter term. | Lower the current rate or payment, or convert an adjustable rate to a fixed rate. |
| Rate options: | Fixed-rate | Fixed- or adjustable-rate options |
| Points and fees: | No points, no fees, no closing costs | No-point options or pay points to reduce the rate |
| Terms: | 7- or 15-year terms, 12-year terms for investment properties | 15-, 20- and 30-year options |
| Loan to value: | Borrow up to 80% of the appraised home value for primary residences and up to 70% for second homes and investment properties | Various loan to value options |
| Restrictions: | Available for California primary, second and investment properties | 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.
