Mortgage Refinance

Refinance Your Home Loan and Save

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Why Refinance Your Home Loan?

Refinancing your mortgage can be a smart way to save money, reduce your monthly payment, or pay off your home faster. At Service Credit Union, we make the process simple, transparent and designed with your goals in mind.

Refinancing could help you:

  • Lower your interest rate – Reduce your monthly payment and save on interest over the life of your loan.
  • Shorten your loan term – Pay off your mortgage faster and build equity sooner.
  • Switch loan types – Move from an adjustable-rate mortgage (ARM) to a fixed-rate loan or vice versa.
  • Tap into your home equity – Use cash-out refinancing to fund home improvements, consolidate debt or cover other expenses.

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Mortgage Refinance

Mortgage Refinance FAQs

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Ready to see how refinancing can benefit you? Contact us to get started or explore your options.

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*Advertised new rate of 5.976% APR and new payment amount of $1,932 is based on 5/6 Adjustable Rate Mortgage (ARM) at a 5.25% interest and 5.976% APR for a $350,000 loan. Example assumes purchase price is $500,000 and there is a down payment of $150,000. Rate is fixed for the first five years, then subject to change based on the terms of your loan contract. The interest on this mortgage can change, including increase, after consummation. Your actual payments will be based on market conditions at the time of interest rate changes per the terms of your loan agreement. Taxes and insurance are not included. Actual payment obligation will be greater. The values shown assume the loan is for the purchase of a single family residence that will be used as a primary residence and that the applicant has a credit score of 785 or higher. All loans subject to credit approval and sufficient collateral. Origination fee of $675 applies. Rates effective 5/14/2026 and are subject to change.