Refinance A Home Get a lower interest rate today!
Take advantage of lower interest rates to potentially lower your payment or tap the equity in your home.
Why should I refinance?
Save money today by refinancing.
- Reduce interest and term of your loan.
- Consolidate your debt.
- Access equity in your home for improvements.
- Little or no out of pocket costs.
Mortgage Options
Plenty of options to get the plan that best fits you.
- Fixed and adjustable rates.
- Investments & second homes.
- Up to 30-year terms available.
Is It Time for a Mortgage Checkup?
A Mortgage Checkup can help you review your current mortgage and see whether there may be opportunities to adjust your payment, term, or overall loan strategy. Not sure if refinancing makes sense right now?
Refinancing FAQs
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How do I know if I should refinance?
If your payment is too high, your interest rate is higher than current rates, you’re looking to consolidate debt, or you want to have no mortgage sooner — consider a refinance.
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What are the benefits of refinancing?
You may want to consider refinancing if you are interested in paying off high-interest-rate debt, shortening the length of your repayment term for your mortgage, or lowering your monthly mortgage payment.
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How can I increase my home equity?
Equity increases naturally as you pay down your mortgage balance. You can also pay down your balance quicker by making extra payments or higher than required payments throughout the year. Finally, completing home improvement projects or renovations that increase the value of your home are another great way to raise the equity.
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How can I consolidate debt when refinancing my mortgage?
Cash-out refinancing can help homeowners who want to consolidate high-interest debt. Because your mortgage interest rate is likely to be lower than rates on credit cards or other types of bank loans, consolidating debt may reduce your overall monthly debt payments.
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Do I have to escrow my taxes and insurance?
You may request to waive an escrow account if the loan-to-value (LTV) is 80% or lower, taxes and insurance have been paid timely in the past, and you have the ability to pay them on your own.
Documents for Application:
Below is a list of documents needed for application.
- Sales or construction agreement
- If construction project, plans and specifications
- Copy of deed, including legal description
- Paystub from last two payroll periods
- Last two years of federal tax returns with W-2's
- If self employed:
- Personal and business federal returns from two tax years
- Current profit & loss statement and current balance sheet
- Deposit account statements from last two months
- Names, addresses and account numbers for creditors, banks, and investment firms
Buy a Home
Found the perfect home for your family? Let us help you buy it.
- Great for first time buyers, or experienced home buyers!
- Fixed or variable rates available.
- We even have special offers for mortgages to save you even more money.
Build a home
We can help you build the house of your dreams.
- Buy land and build with one loan.
- One-time closing process.
- Up to 30-year terms available.
Mortgage Loans for Medical Professionals
Special home buyer program for medical professionals in their field for less than 10 years.
- Special home buyer program for new doctors, dentists, nurse practitioners, physician assistants, and more.
- Up to 100% loan-to-value (LTV).
- No monthly private mortgage insurance and as little as 3% down.
Save $200 on mortgage closing costs
Did you know that you can save $200 on closing costs?
- If you have an Advantage Rewards checking account or an Advantage Rewards Plus checking account, you're eligible to receive $200 off closing costs for residential mortgages and home equity consumer loans and lines on a primary residence.
Community Heroes Program
- Helping local heroes like teachers, firefighters, police officers, nurses, EMTs, paramedics, and active or former military personnel purchase a home.
- Reduced monthly mortgage insurance and as little as 1% down.
Get Started
Contact A Specialist
Complete the Mortgage Information Contact form to get started right away.
Meet Your Lender
Find an experienced mortgage lender in your area that's ready to help.
Visit an Office
Our friendly, knowledgeable office staff can take your application at an office convenient to you.
Use our office locator to find an office near you.
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