Step 1: Compare Mortgage Refinance Rates as Low as:
Rates effective December 20, 2023
*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.
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.
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.
Meet Our Mortgage Team
Get answers to frequently asked questions
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.
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.
Yes, contact our Mortgage department to see what home loan options are best for you at (409) 899-3430 extension 126.
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!