Step 1: Compare Mortgage Refinance Rates as Low as:
10 YEAR
6.25%
6.59% APR*
Maximum Refinance LTV is 90%
Maximum Purchase Money LTV is 95%
15 YEAR
6.25%
6.49% APR*
Maximum Refinance LTV is 90%
Maximum Purchase Money LTV is 95%
20 YEAR
6.75%
6.95% APR*
Maximum Refinance LTV is 90%
Maximum Purchase Money LTV is 95%
30 YEAR
6.75%
6.90% APR*
Maximum Refinance LTV is 90%
Maximum Purchase Money LTV is 95%
Step 2: Calculate Your Mortgage Savings.
Will you save money by refinancing your mortgage? We can help determine how much money you could save. Use the current rates when calculating what your monthly savings might be. Remember, the rate you qualify for may differ depending on a variety of factors including the term you select and your credit score.
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.
Pay by Mail
DuGood FCU
P.O. Box 12899
Beaumont, TX 77726
SEE WHAT OTHERS HAVE TO SAY
Meet Our Mortgage Team

Blake Worthey
VP of Real Estate Lending
(409) 241-2261
Email

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

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

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

Holly Clark
Mortgage Servicing Supervisor
(409) 726-2113
Email

Pauline Villarreal
Mortgage Lending Supervisor
(409) 726-2119
Email

Derek J. Landry
Chief Lending Officer
(409) 241-2296
Email
Get answers to frequently asked questions
When should I refinance my mortgage?
- When you want to shorten the term of your loan
- When interest rates are at least 2% lower than your current rate.
- When your home's value has gone up and you would you like to pay off high-interest debt like credit cards or make a large purchase.
We understand that every individual has a unique situation. What might work for one person might not be the best fit for someone else. If you're looking to refinance your home, give us a call and let us help find the right solution for you.
Do you offer additional refinance rates?
Yes. For a majority of our members, we're able to refinance their mortgages through a home equity loan. The benefit of using a home equity loan is that you pay less in closing costs. However, as every situation is unique, we recommend you talk to one of our trusted Mortgage Advisors to understand which option is best for you. Click here to request a call back.
Can I refinance my current Mortgage?
Yes, contact our Mortgage department to see what home loan options are best for you at (409) 899-3430 extension 126.
What financing option is best for me?
For a majority of our members, we're able to refinance their mortgages through a home equity loan. The benefit of using a home equity loan is that you pay less in closing costs. However, as every situation is unique, we recommend you talk to one of our trusted Mortgage Advisors to understand which option is best for you.
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!
