Home Refinance Options

Take advantage of low rates to refinance

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Free Home Appraisal Offer

Get pre-approved and funded by July 31, 2017 and we’ll pay your appraisal fees up to $750!*

Already a homeowner? Tap your equity easily and affordably for any purpose by applying for one of our home refinance options. We offer both fixed-rate and adjustable-rate mortgages.

Fixed-Rate Mortgages

A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term. We offer traditional terms of 15, 20, or 30 years, or you can customize your request by choosing a term between 5 and 20 years. Fixed-rate mortgages are ideal for those who plan to stay in their house long-term, allowing a consistent payment over the term of the loan.

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

An adjustable-rate mortgage (ARM) gives you the benefit of locking in a low fixed interest rate for a certain number of years, then adjusts after the fixed term expires. Adjustable Rate Mortgages are 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.

The most popular ARMs have a fixed rate for the first five or seven years, then have an adjustable rate that typically adjusts annually. These are called 5/1 or 7/1 ARMs.

With a 5/5 ARM, your Annual Percentage Rate will stay the same for the first 5 years of the loan versus changing every year. After the initial 5 years, the rate will only adjust every 5 years for the life of the loan, depending on the market.

See Current Rates

Apply Now

Have questions? Call (877) 670-5860 to speak to a representative in our real estate department.

*Credit is only offered for loan amounts of $200,000+. The appraisal fee will be collected up front and will be refunded to the borrower at the time of funding (up to $750.00). Typical appraisal fees are $495. The credit will be applied through closing and will be reflected in the final closing statement and escrow settlement. Refunds will not be given on loans that are declined or withdrawn. Appraisal credit is for owner-occupied single family residences in California only. The borrower is responsible for all other recurring and non-recurring closing costs such as escrow and title fees, recording charges, flood certification and transfer tax, prepaid interest, property taxes and all insurances. This offer is valid for all 1st trust deed applications received from March 1, 2017 through April 30, 2017 and funded by July 30, 2017.
Rates disclosure: 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. Payment example is for illustration purposes only and is based on a 30 year fixed rate loan term, at a rate of 4.125%/4.173% APR; 359 payments of $2,055.40; 1 payment of $2,055.22. 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.