Balance-only refinances
This refinance option is perfect for someone who is looking to lower their monthly payment or shorten the length of the term on their current home loan.
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10, 15, 20 and 30 year terms available
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Your current home loan must have a balance of $25,000 or more
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Up to 95% loan to value for single family homes
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Up to 80% loan to value for second homes
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Up to 75% loan to value for investment properties, lot loans & condos
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Up to 70% loan to value for manufactured homes
Cash-out refinance
If you want to refinance your home loan at a better rate while using the equity in your home to borrow additional funds, this option is for you.
What to expect after you apply:
We want you to feel prepared as you navigate this application process. Download this checklist to learn about what you'll need to have on-hand once you've hit "submit".
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10, 15, 20 and 30 year terms available
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Use the equity in your home to access additional funds for new financial needs
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Up to 80% loan to value for single-family homes
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Up to 75% loan to value for investment properties, second homes, lot loans & condos
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Up to 65% loan to value for manufactured homes
Learn more about refinancing your mortgage
Refinance your mortgage
Get one step closer to paying off your home. We’ll work with you to reduce your monthly payments or shorten your term.
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1Review eligibility
Anyone who lives, works, worships, attends school or vocational training, or is an alum of any college, university, or educational institution in 26 select counties may join. View our 'Join Today' page for full eligibility.
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2Complete loan application
When you’re ready, complete the online application or visit your branch to apply in person.
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3Get your new loan
Enjoy your lower monthly payments or your shorter term.