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Refinancing a Home

Is it time to refinance your mortgage?

Our refinancing options can help lower your monthly payments, leaving additional room in your budget. Or you may be able to use some of the equity you have to pay off debt or makes improvements to your home. We can help you figure out if refinancing is right for you.

Traditional Mortgage Refinance

Choose from one of the loan options below to refinance your home and lower your monthly payment.

Fixed Rate Mortgage1

Lock in a lower rate and pay a stable monthly payment for a longer term. This is a great option for homeowners planning to stay at their current residence for a while.

Term Rate APR Points Pmt2
30 Year 2.500% 2.930% 1.50% $3.95
30 Year 2.750% 2.811% 0.00% $4.08
30 Year - No Cost* 3.000% 3.064% 0.00% $4.21
20 Year 2.500% 2.585% 0.00% $5.29
20 Year - No Cost* 2.750% 2.838% 0.00% $5.42
15 Year 2.125% 2.231% 0.00% $6.49
15 Year - No Cost* 2.375% 2.484% 0.00% $6.60
10 Year 2.000% 2.154% 0.00% $9.20
10 Year - No Cost* 2.250% 2.408% 0.00% $9.31

Adjustable Rate Mortgage3

Enjoy a lower monthly payment than a fixed rate mortgage for the initial term. After the initial term, the rate will increase or decrease once every year based on the current market.

Term Rate APR Points Pmt2
1 Year ARM 2.250% 3.002% 0.00% $3.82
3 Year ARM 2.250% 2.897% 0.00% $3.82
5 Year ARM 2.375% 2.846% 0.00% $3.89
7 Year ARM 2.750% 2.948% 0.00% $4.08

Cash-Out Adjustable Rate Mortgage4

This is a good option for when you want to borrow more money than you owe on your current mortgage. It can provide additional funds for any bill consolidation, renovations or major expenses.

Term Rate APR Points Pmt2
5 Year ARM -
95% Cash Out Refi
2.375% 2.846% 0.00% $3.89
online application
Looking to refinance with one of our traditional mortgage options?

Start the application online, or contact one of our mortgage loan officers for more information.

Apply Online

Mortgage Refi Express5

Not looking for a traditional mortgage? Refinance into a low rate and pay off your home in as few as 8 years. Close quickly and save on the traditional mortgage closing costs. It also gives you the option to choose your payment due date and make prepayments without a penalty.

For additional questions regarding the Mortgage Refi Express, contact our Member Service Center at (262) 796-4500.

Mortgage Refi Express Application

Term Rate APR Points Pmt/$1000
8 Year 2.35% 2.35% 0.00% $11.44
10 Year 2.45% 2.45% 0.00% $9.41
12 Year 2.50% 2.50% 0.00% $8.05

Compare our Refinancing Options

Begin Comparing

Refinancing Calculator

Figure out how much you’ll save and if refinancing is the right next step.

Mortgage Loan Officers

Contact a loan officer to review your current mortgage and discuss refinancing options.

Rates and terms are subject to change at any time and without notice; additional restrictions may apply.

1 Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. A non-refundable application fee of $495 is required for single family residences and $600 for 2+ units is required. Private Mortgage Insurance (PMI) required for loans with less than 20% down. *For No Cost program, down payment as low as 3%; maximum loan amount $510,400. No Cost program available only for single-family owner-occupied homes; application fee is refunded at closing.

2 To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30-year 2.750% loan for $150,000 would be: 150 X $4.08= $612 per month. Actual payments will be higher with taxes and insurance.

3 Published rate may be adjusted based on credit score and down payment. ARMs require 5% down payment. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Maximum annual adjustment on 1, 3, and 5 year is 2%; maximum over the life of the loan is 6%. Maximum annual adjustment on 7 year is 2%; maximum over the life of the loan is 5%. No conversion option.

4 Published rate may be adjusted based on credit score and down payment. Requires 5% equity. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Maximum annual adjustment is 2%; maximum adjustment over the life of the loan is 6%. No conversion option.

5 A fee of $89 is required. Available to refinance home loans of up to $250,000 with loan-to-value ratio of 80% or less for single-family owner-occupied primary residences. Qualifying credit score required. Other programs may be available for non-qualifying credit scores and higher loan-to-value ratios. Escrow accounts may not be available. Existing Landmark Mortgage Refi Express loans may be modified for a $150 fee. Example: for an 8-year mortgage at 2.35% APR, payments would be $11.44 per $1,000 borrowed; for a 10-year mortgage at 2.45% APR, payments would be $9.41 per $1,000 borrowed; for a 12-year mortgage at 2.50% APR, payments would be $8.05 per $1,000 borrowed. Actual payments may be higher with property taxes and homeowner’s insurance.

Routing Number: 275079714
NCUA Equal Opportunity Housing
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