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.

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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.

Calculators for refinancing

Get a clear picture of what refinancing your mortgage would look like with these calculators.

Calculate your new monthly payment 

Explore what your monthly payments could look like by refinancing.


Calculate payments

Find your break-even point

Calculate the number of months to break-even on a refinance.


Calculate months

Consolidate debts into one payment

Find out what consolidated monthly payments could save you.


Calculate payments

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.

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