Review your current loan
We look at your remaining balance, interest rate, and goals to understand what you want to improve.
Refinancing your mortgage could help you lower your monthly payment, build equity faster, or put your home’s equity to work — helping you move forward with greater confidence
A refinance built around your goals
Refinancing replaces your current mortgage with a new loan designed to better fit where you are today. We’ll help you compare options clearly so you can move forward with confidence.
Refinance into a Fixed-Rate Mortgage
Lock in a steady interest rate and predictable monthly payments, so you can plan with greater confidence.
Refinance into an Adjustable-Rate Mortgage (ARM)
Start with a lower interest rate for a set number of years. An ARM can be a strong fit if you expect to move or refinance again in the coming years.
Jumbo loan options available
For higher-value homes, jumbo refinance options may be available through select ARM products.
Ready to refinance? Meet our mortgage loan specialists
Our Mortgage Loan Advisors will begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. To apply for a loan, please select one of the advisors below and they will help support you throughout the process.
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How to refinance your mortgage
Refinancing is simpler than many homeowners expect. We review your current loan, explain your options clearly, and guide you through each step so you feel confident moving forward.
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Compare refinance options
We walk through Fixed-Rate, Adjustable-Rate, and Mortgage Eliminator options so you can see how payments and timelines may change.
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Apply and lock in your new loan
Complete your application online and submit your documents. Once approved, you’ll review and sign final documents at closing.
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Fixed Mortgage Rates
| Program | Rate | Points | APR* | Payments |
|---|---|---|---|---|
| 30 Year Fixed (Conforming-No Cash Out) | 6.875% | 6.979% | $1,970.79 | |
| 15 Year Fixed (Conforming-No Cash Out) | 6.375% | 0.125 | 6.559% | $2,592.75 |
* APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 07/13/2026 at 12:30 PM (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the borrower’s credit history through the time of closing. For example, a 30 year fixed rate term for a loan amount of $300,000, the interest rate of 6.875%, with an APR of 6.979%, would result in an estimated monthly principal and interest payment of $1,970.79. This example does not include taxes, insurance, or escrow amounts; your actual payment obligation may be greater. Please consult a Mortgage Loan Advisor for cash-out refinance rates. |
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Adjustable Mortgage Rates
| Program | Initial Rate | Points | Initial APR | Initial Payment | Adjusted Rate (After 1st Adj.) | Adjusted APR | Adjusted Payment |
|---|---|---|---|---|---|---|---|
| 5/1 ARM (Conforming 30-year term) | 6.250% | 0.125 | 6.511% | $1,847.15 | 6.500% | 6.500% | $1,896 |
| 7/1 ARM (Conforming 30-year term) | 6.500% | 0.125 | 6.613% | $1,896.20 | 6.500% | 6.500% | $1,896 |
| 10/1 ARM (Conforming 30-year term) | 6.250% | 0.375 | 6.469% | $1,847.15 | 6.500% | 6.500% | $1,896 |
| 10/1 ARM Medical Professional (Conforming 30-year term) | 6.125% | 0.375 | 6.385% | $1,822.83 | 6.500% | 6.500% | $1,896 |
| 10/1 ARM Higher Educator (Conforming 30-year term) | 6.125% | 0.375 | 6.385% | $1,822.83 | 6.500% | 6.500% | $1,896 |
| 10/1 ARM Community Heroes (Conforming 30-year term) | 6.125% | 0.375 | 6.385% | $1,822.83 | 6.500% | 6.500% | $1,896 |
| 15/15 ARM (Conforming 30-year term) | 6.625% | 0.250 | 6.813% | $1,920.93 | 7.000% | 7.000% | $1,995 |
| 7/1 ARM (Jumbo 30-year term) | 6.750% | 0.125 | 6.697% | $5,401.52 | 6.500% | 6.500% | $5,264 |
| 10/1 ARM (Jumbo 30-year term) | 6.500% | 0.375 | 6.589% | $5,263.86 | 6.500% | 6.500% | $5,264 |
| 10/1 ARM Medical Professional (Jumbo 30-year term) | 6.375% | 0.375 | 6.505% | $5,195.59 | 6.500% | 6.500% | $5,264 |
| 10/1 ARM Higher Educator (Jumbo 30-year term) | 6.375% | 0.375 | 6.505% | $5,195.59 | 6.500% | 6.500% | $5,264 |
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 07/13/2026 at 12:30 PM (EST). ARM loans are variable rate loans; interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rates displayed are based on the current index plus margin (fully indexed rate) as of July 13, 2026. For example, a 5/1 ARM with a 30-year term for a loan amount of $300,000, the initial interest rate of 6.250%, with an APR of 6.511%, would have an estimated monthly principal and interest payment of $1,847.15 during the initial fixed-rate period (years 1–5) and for years 6-30, monthly payments would be $1,896.00 (based on the current Index plus Margin). This example does not include mortgage insurance premiums, taxes, insurance, or escrow amounts; your actual payment obligation may be greater. Please consult a Mortgage Loan Advisor for cash-out refinance rates. |
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Mortgage Eliminator Loan Rates (1)
| Balance | APR* |
|---|---|
| Primary Residence up to $1,000,000** | as low as 5.30% |
| Secondary Residence up to $1,000,000** | as low as 5.40% |
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 4/16/2026 at 1:00 PM (EST). Mortgage rates are based on a variety of assumptions and conditions. A loan’s interest rate will depend on specific characteristics of the loan and the borrower’s credit history through the time of closing. Mortgage Eliminator Loans offer a fixed interest rate and fixed monthly payment over a shorter loan term. For example, a Mortgage Eliminator Loan for $100,000 financed for 180 months with an APR of 5.40% would result in an estimated monthly payment of $812.04. Monthly payments do not include taxes, insurance, or flood insurance, if applicable, and the actual payment obligation will be greater. Mortgage Eliminator Loans are available for primary or secondary residences in CA, CT, DE, DC, FL, GA, IL, IN, MD, NJ, NY, NC, PA, SC, VA, and WV. All loans are subject to credit approval. Rates, terms, and products are subject to change. All Allegacy real estate secured loans are subject to legal requirements in the member’s state of primary residence. Closing costs may apply and can include fees such as property title search, flood certification, and appraisal, if required. Qualifying states may pay little to no closing costs. Membership eligibility required. Federally insured by NCUA. Equal Housing Lender. |
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