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* Adjustable Rate Mortgage

Refinance a Mortgage

We can help you every step of the way!

Refinance a mortgage

To save on your monthly mortgage payment and/or pay off your loan more quickly, refinance your existing mortgage at a lower interest rate. Learn more about the benefits of a cash-out refinance or home-equity refinance. Our experienced, licensed loan experts can help you choose the option that’s right for you!


Refinance with Cash Out

Borrow more than your current mortgage and receive the remaining funds in a lump sum.

Refinance With Cash Out

If you have enough equity in your home, you can choose to borrow more than you need to pay off your mortgage and receive the remaining funds in a lump sum to use as you wish. The excess funds may be used for debt consolidation, home improvement or any other purpose and, you’d avoid a second loan on your home.


Refinance with a Home Equity Line of Credit

See if this alternative is right for you.

Refinance With a Home Equity Line of Credit

Based on your circumstances, you may want to consider a Home Equity Line of Credit to refinance your mortgage. We can finance a maximum of $200,000. The benefits of refinancing your mortgage with a Home Equity Line of Credit include no appraisal fee or escrow commitment and minimal closing costs as compared to a traditional refinance.

*While many Mortgages are serviced locally, there may be instances where this is not the case. Our Mortgage experts will provide specifics regarding the servicing of your particular loan.
Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), and are not NCUA insured. Homeowners Advantage is a subsidiary of CAP COM FCU. Mortgages in New York State only. Rates as of  . Information is based on a loan amount of $150,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.
ARM rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Ask about other rates and terms.
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.