Mortgage refinance
Refinancing can lower your rate and help you save thousands in interest payments.
Refinance your mortgage and save
Ready to Refinance?
Refinancing your home can lower your rate, reduce monthly payments, or help you pay off your mortgage sooner — all with a process that’s clear and straightforward.
Save on mortgage expenses
- Refinance to a lower rate or pay off your loan faster with a shorter term
- Our fees are lower than most other lenders — saving you thousands!
Guidance from experts
Reach out to our local mortgage loan experts — they’re here to help you crunch the numbers to help you determine if refinancing is the best option for you.
Refinance options
- Cash out: depending on your situation, it’s possible to refinance and use the equity in your home to cash out and invest in home improvements, pay off high-interest debt, cover college tuition, or any big expense
- Combine: combine your current mortgage and home equity loan into a new mortgage to either lower your rate, or for a total lower monthly payment
- Payoff your mortgage early: refinance and set a shorter term to pay off your loan early
- Move to a fixed rate: refinance to lock in a new fixed rate and predictable payment for the life of your loan
- Conventional refinance: flexible terms (15-, 20-, or 30-years), competitive rates, and options to reduce your monthly payment
- Jumbo loan refinance: 15- or 30-year terms for larger loan amounts ($806,500 or more), with the same straightforward process
Home Mortgage Refinance Details
* The $500 reduction off lenders fees is valid for Premier Members. This offer is not valid for Home Equity Loans. See a Mortgage Loan Officer for further details and how to qualify for Premier Membership.
Put down roots with OSCU home financing options
Buying or building? Explore our mortgage loan options and find the right fit for your next chapter.