Please stay alert for fraud during tax season: As a reminder, SELCO will never contact you requesting sensitive information, including your card number or login credentials.

Refinance Your Home

We’ll save you more

Whether it's your first home, forever home, or something in between, our experts are ready to help.

  • Get the best possible rate.
  • Save on closing costs.
  • No origination, processing, or credit report fees.
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Right time to refi?

Refinancing can be an invaluable tool, whether you're looking for a better rate or to consolidate high-interest debt. Our loan experts are ready to partner with you to decide if the time is right based on your short- and long-term goals.

Mortgage Rates

Product Type Rate APR
15 Year Fixed (Conforming) Rate6.250 % APR6.537 %
30 Year Fixed Conventional Rate6.750 % APR6.930 %
30 Year FHA Rate6.125 % APR6.988 %
30 Year VA Rate6.125 % APR6.331 %
30 Year USDA Rural Home Purchase Rate6.125 % APR6.531 %
30 Year Conventional Manufactured Home (no homes on rented land) Rate7.000 % APR7.159 %
30 Year FHA Manufactured Home (no homes on rented land) Rate6.250 % APR7.166 %
30 Year VA Manufactured Home (no homes on rented land) Rate6.375 % APR6.705 %

Lowest annual percentage rates shown. APR is based on individual credit qualifications and may be higher.

15 year home loan payment example: On a loan for $275,000 at 3.504% APR for 180 months (15 years), borrower would make 180 payments of $1,966.47.

30 year home loan payment example: On a loan for $275,000 at 3.684% APR for 360 months (30 years), borrower would make 360  payments of $1,263.29.

 I really appreciated having the first-time homebuyer's webinar offered by SELCO to help me understand the process, requirements, and information needed to apply for a loan … everything. SELCO made it very smooth and easy to work through the loan approval process. 
— Nikki H, SELCO member since 2022


Looking to Consolidate Debt? Try a HELOC.

Burdened by high-interest credit cards? A home equity line of credit can be a great way to consolidate debt and minimize monthly payments.

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One-Stop Financial Shopping

SELCO is a financial hub where you can see your full financial picture and have experts from across multiple departments help you reach all your goals.

Priced Out of An Upgrade? Elevated Home Values Mean You Have Options

While high listing prices and higher interest rates can push upgrading to a new home out of reach, it opens the doors to upgrading in place with a home equity line of credit.

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Demystifying Mortgage Terms, Part II

Learn how to differentiate between common mortgage terms like PMI, escrow, conventional vs. FHA loans, and more.