Refinance Options

If you're a homeowner, we'll show you how to tap your equity easily and affordably for any purpose.

Fixed Rate Mortgages

A fixed rate mortgage ensures that your monthly payment will remain the same throughout your loan term. You can choose a traditional term of 15, 20, or 30 years. Or customize your request by picking a term between 5 and 15 years! Simply apply for the 15 year loan and when you speak to a mortgage representative, make sure you tell them you want to pick your own term! We’ll make sure you get the loan that’s right for you.

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 and then adjusts after the fixed term expires. The most popular ARMs have a fixed rate for the first five or seven years and then have an adjustable rate that would typically adjust annually. These are considered 5/1 or 7/1 ARMs.

Adjustable Rate Mortgage loans 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.

View our Rates or Apply Online.

To view “Shopping for a Home Loan” HUD's Settlement Cost Booklet, please click here.

For general information about Adjustable Rate Mortgages, download the Federal Reserve Board’s “Consumer Handbook on Adjustable-Rate Mortgages.”

Find a Housing Counselor

Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Using the search box below, you can find one near you. The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD) and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you. This list will show you several approved agencies in your area.

ATM/Shared Branch Locator

SMS address, intersection or ZIP code to 692667 to find nearest surcharge-free ATMs.

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