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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) Rate5.875 % APR6.156 %
30 Year Fixed Conventional Rate6.500 % APR6.667 %
30 Year FHA Rate5.990 % APR6.850 %
30 Year VA Rate5.990 % APR6.331 %
30 Year USDA Rural Home Purchase Rate7.125 % APR7.587 %
30 Year Conventional Manufactured Home (no homes on rented land) Rate7.00 % 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.

 Kari provided one-on-one communication throughout the whole process and was always willing to explain various aspects of the home-buying process. Speedy replies and closed on our house early! 
— China L., SELCO member for 20 years


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.

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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.