Home Refinance

It's all about flexibility

Refinancing your mortgage can give you the option to lower your monthly payment, pay off your home sooner or unlock equity to fund home improvements. If your credit has improved or rates are lower since you financed your home, refinancing your mortgage could be a smart financial decision for you.

Start here

Ask us your questions

Not sure if you're ready for a refinance? No problem. Send us a message to talk to a loan officer about your options.

The refinancing process

  • Talk to a loan officer
  • Fill out an application and 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)

See current mortgage rates

Learn more

Contact OCCU Mortgage Lending

Ready to start the process? With OCCU, you can expect great, competitive rates, low closing costs and fast loan processing. Our mortgage loan officers will walk you through every step of the process, ensuring you have the best, most convenient experience possible.

Home ownership resources

Owning a home is a rewarding experience. Learn to make the most of it with our helpful home ownership articles on topics including tips on the homebuying process, using your home equity wisely and upgrading your home with smart home technology.

Three reasons to consolidate debt with a HELOC

Three reasons to consolidate debt with a HELOC

We all have dreams. Buying the perfect home. Starting a business.

Couple having a serious discussion

When home bidding wars take an emotional toll

If you’re having trouble finding—and winning—your dream home, you’re not alone. Buying a home is an emotional roller coaster