Home Refinancing

Fixed and adjustable rates. Flexible terms.

Lower your mortgage rate and monthly payment with a USC Credit Union home refinance. By refinancing your current mortgage, you can often get a better payment structure and more favorable loan terms and rates. We offer fixed-rate and adjustable-rate refinance options to help keep your mortgage payments within budget:


Fixed-Rate Refinance

Ideal for those who plan to stay in their house long-term, allowing a consistent payment over the term of the loan.

Features & Benefits:

  • Your monthly payment will remain the same throughout the life of the loan
  • Traditional terms of 15, 20, or 30 years or customize by choosing a term between 5 and 30 years
  • Protection against rising interest rates
  • FHA/VA loan options available
  • Loans in all 50 states

Adjustable-Rate Mortgages (Fixed-rate term with adjustable feature)

Ideal for those who may be considering moving within the first 5-7 years and allows them to take advantage of lower interest rates than the typical 30-year fixed rate mortgage.

Features & Benefits:

  • Low introductory rate, which translates to more affordable monthly payments initially
  • 5/6 and 7/6 ARMs (fixed rate for the first five to seven years, then adjusts every six months)
  • FHA/VA loan options available
  • Loans in all 50 states

Which refinancing option is right for you?

Fixed-Rate Home Refinance MortgageAdjustable-Rate Home Refinance Mortgage
The right fit if…You want a stable monthly payment for the life of the loan and like the security of a fixed rateYou want to start with the lowest rate and monthly payments and have a budget that can handle a changing rate/payment
Application FeesNoneNone
TermsTraditional terms of 15, 20 or 30 years or flexible terms between 5 and 30 years5/6 and 7/6 ARMs with a low fixed interest rate for the first five or seven years, then rates adjust every six months
Annual Percentage Rate (APR)See current rates*See current rates*
Online/Mobile ApplicationYesYes

    *The rate may vary depending on each individual’s credit history and underwriting factors. Loans are subject to credit approval. California properties only. Must qualify for USCCU membership, and membership fee may apply; please call (877) 670-5860 or visit www.USCcreditunion.org to confirm eligibility. Verification of income, assets, appraised value, hazard and, if applicable, flood insurance will be required. Payments will be higher with property taxes and insurance. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Rates are subject to change daily.

    Let’s Talk!

    Give us a call at (877) 670-5860, schedule an appointment, or fill out the form below and we’ll connect you with our team of mortgage specialists!

    Pay less on the home you already own. Refinance today.

    Make your mortgage payments affordable and get the financial flexibility you need.

    Love this credit union! I never have any issues with fees and this place has so much to offer. I plan to try and get approved for a mortgage next!


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