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) Rate5.625 % APR5.816 %
30 Year Fixed Conventional Rate6.500 % APR6.662 %
30 Year FHA Rate5.500 % APR6.773 %
30 Year VA Rate5.375 % APR5.671 %
30 Year USDA Rural Home Purchase Rate5.500 % APR5.982 %
30 Year Conventional Manufactured Home Rate6.500 % APR6.204 %
30 Year FHA Manufactured Home Rate6.000 % APR7.116 %
30 Year VA Manufactured Home Rate5.875 % APR4.905 %

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.

 Super friendly, and really on top of all the paperwork. They were also quick to respond to questions and I always knew what to expect next. 
— Amber C., SELCO member since 2015

Resources

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Is Now the Time to Refinance?

Interest rates won't remain this low forever, so now may be a great time to refinance the mortgage on your home.

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Refinanced Recently? Could Make Sense to Do It Again

It may seem like just yesterday when you refinanced your mortgage. With low rates and a hot real estate market, you might benefit from refinancing again.

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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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