Mortgage Refinancing

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Refinance Your Way to Savings and Financial Flexibility

Get a Better Mortgage for Your Budget and Goals

Refinancing lets you trade in your current home loan for a new one – often with a lower interest rate, lower monthly payments or both.

How refinancing works

Refinancing your home is easier and faster than you might think. Here's how it works:

Apply

Share a few details about your current mortgage and financial situation.

Review

We’ll go over your options and help you understand your refinance opportunities.

Choose

Select the new rate and payment plan that fits your goals, and prepare for closing.

Sign

Complete the paperwork, and we’ll handle the rest to finalize your refinance.

With your new mortgage, you’ll enjoy 24/7 access through our free online banking and mobile app—check balances, make payments, and manage your account with ease.

When does refinancing make sense?

Access Your Home Equity
A cash-out refinance allows you to replace your mortgage with a new one for a higher amount, giving you the difference in cash. Alternatively, a home equity loan or line of credit can also provide access to your equity.
Take Advantage of Lower Rates
If interest rates have dropped or your credit has improved, you might qualify for a lower rate. Even a small reduction could save you thousands over the life of your loan.
Switch to a Different Loan Option
Whether you want to move from an adjustable-rate to a fixed-rate mortgage, adjust your loan term to lower payments, or transition from an FHA loan to a conventional mortgage, refinancing gives you flexibility to meet your needs.