Home Refinance

Refinance your mortgage

It's all about flexibility. Refinancing your mortgage can give you the option to take advantage of lower rates, pay off your home loan sooner, or fund home improvements. OCCU's mortgage loan officers are happy to sit down with you and discuss the options before you fill out an application.

Apply now

What to expect


Talk to our mortgage loan officers

Fill out an application

Lock in a rate

Get your home appraised

Schedule a closing date and sign loan documents

Three day Right of Rescission (in case you change your mind)

Loan funded and you're done

Have questions?

Want to learn more about our home refinancing? Let's connect!

*30 Year Fixed rates start at 3.75%, 0.00% Points, 3.815% APR. Rates may change and are current as of 05/17/17. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
**15 Year Fixed rates start at 3.00%, 0.00% Points, 3.102% APR. Rates may change and are current as of 05/17/17. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
***5/1 ARM rates start at 2.60%,  0.35% Points, 2.667% APR. Rates may change and are current as of 05/17/17. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
****USDA 30 Year Fixed rates start at 3.625%,  0.00% Points, 4.888% APR. Rates may change and are current as of 05/17/17. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
*****VA 30 Year Fixed rates start at 3.625%,  0.00% Points, 4.516% APR. Rates may change and are current as of 05/17/17. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
******FHA 30 Year Fixed rates start at 3.625%,  0.00% Points, 4.516% APR. Rates may change and are current as of 05/17/17. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
*******No Fee 30 Year Fixed rates start at 4.50%,  0.00% Points, 4.540% APR. Rates may change and are current as of 05/17/17. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.