Home Loan Refinance

If you’re looking to lower your monthly payment, get a better rate or use the equity in your home, our team is here to help with flexible refinancing options.

Apply Now

Discover your Options

Whether it’s a lower rate or extra cash, we’re here to help find the option that works best for you. Talk to a Mortgage Loan Officer today to learn more.

Meet our Mortgage Loan Officers

View Current Rates

See our fixed and adjustable mortgage rates for a variety of loan terms and amounts.

View Current Rates

How much can you afford?

Figure out your monthly payment based on the interest rate, loan amount and term.

Mortgage Payment Calculator

What do you need to apply?

Gather the documents you’ll need to start your application online.

Mortgage Application Checklist

Home Loan Refinancing Made Easy

We’re on your side when you’re ready to refinance.

1

Apply Now

Apply online, give us a call at 800-445-6289 or visit a branch today. We can walk you through your options and see what you qualify for. Also, view our Home Refinancing FAQs.

2

Lock in Your Rate

Once you qualify for a new loan, we’ll guarantee your rate. This protects you if interest rates go up during the application process.

3

Underwriting and Appraisal

We verify the details about your home and your financial situation, and in some cases, we’ll appraise your home’s value with an onsite visit.

4

Close on Your New Loan

A few days before your loan closes, we’ll send you the final numbers. Then, you can sign off on your new home loan refinance.

Related Tools & Resources

Mortgages

Whether it’s your first home or your 40th, our mortgage loan officers are here to help you at every step of the way. We service many of the loans we approve, so you’ll always get great customer service.

Compare Mortgages

Compare fixed-rate, adjustable-rate and jumbo mortgages and find the loan that’s right for you.

Mortgage Application Checklist

Find out which documents and information we need to complete your VyStar mortgage or home loan application.

Join VyStar Today

All loans are subject to credit approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.

Disclaimer: Certain restrictions and limitations apply. All loans are subject to credit approval.