Need help getting started? Give us a call at (409) 726-2126

Step 1: Compare Mortgage Refinance Rates as Low as:

Rates effective July 21, 2020

10 YEAR

3.00%

3.31% APR*

Maximum Refinance LTV is 90%

Maximum Purchase Money LTV is 95%

15 YEAR

3.00%

3.21% APR*

Maximum Refinance LTV is 90%

Maximum Purchase Money LTV is 95%

20 YEAR

3.50%

3.67% APR*

Maximum Refinance LTV is 90%

Maximum Purchase Money LTV is 95%

30 YEAR

3.50%

3.62% APR*

Maximum Refinance LTV is 90%

Maximum Purchase Money LTV is 95%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Step 3: Get Prepared to Refinance Your House.

Credit Report

Your credit score is based upon your spending, payment, and credit history. It is represented by a number between 300 to 850. The higher your credit score is, the easier it can be to get approved for your mortgage refinance.

How to get prepared: We recommend you get a free yearly credit report to learn what's on your report before applying for your mortgage refinance.

Your Home's Value

We will assess the value of your house using independent appraisers to help determine how much you are eligible to borrow.

How to get prepared: Click here to get a basic understanding of what your home's value might be before applying for your mortgage refinance.

Debt-to-Income Ratio

Your debt-to-income (DTI) ratio is calculated from how much of your total monthly income (before taxes are taken out) goes towards paying off your debt. This helps us to understand what percentage of your income will go towards your home loan.

Ways To Pay Your Loan

Pay by Mail


DuGood FCU
P.O. Box 12899
Beaumont, TX 77726

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Meet Our Mortgage Team

Sandra

Sandra Bickham
VP Mortgage Lending
(409) 726-2107
  Email

Susan

Susan Benoit
Mortgage Operations Manager
(409) 726-2115
  Email

Sandra

Sandra Flanigan
Senior Mortgage Lender
(409) 726-2104
  Email

Sandy

Sandy Ferrell
Senior Mortgage Lender
(409) 726-2106
  Email

Holly

Holly Barlow
Mortgage Loan Processor
409-726-2113
  Email

Candy

Candy Pitts
Mortgage Loan Processor
(409) 726-2111
  Email

Get answers to frequently asked questions

Download our free guide to refinancing your home

It breaks down the process step by step. Inside you'll learn how to decide your goals, calculate your savings, get your home's value, and more!

Home Refinance Guide