Mortgage Refinance

Refinance up to 95% of your home's value.

With the increasingly competitive housing market, finding a new home can be a challenge. Refinance to access cash equity and make your current home your dream home.

Right now, all members save $500 with a waived appraisal. Add another $300 off admin fees and 0.125% off your rate with Advantage Plus Rewards!1

We have the right solution if you’re considering a refinance.

Our Mortgage Center experts are standing by, ready to connect with you – just a click or phone call away. Or, browse through the many mortgage refinance options available below.

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Maximum Cash-Out Refinance

Put the equity you’ve built in your home to work.


Conventional mortgages all come with low rates and great service.


Great for first-time homebuyers who need a low down payment or those with less than perfect credit.

PMI Saver

Buy the house you want and avoid the extra cost of mortgage insurance.


Saves you money if you’re active military or a veteran.


Go big AND go home! Perfect when considering a higher priced home.

Condominium Loan

Refinance your condo quickly and easily.

Looking for ways to use the equity in your home?

You might also want to consider a Home Equity Loan or Line of Credit.

  1. To receive waived valuation fee, you must apply by December 31, 2022 and loan must close to receive refund of valuation cost. Mortgage must be between $40,000 and $647,200 to be eligible. Mortgage rates current as of September 16, 2022 and assumes a 30-year fixed-rate purchase or refinance of a detached, owner occupied property with loan to value ratio of 80% and credit score of 740. A loan amount of $200,000 at an interest rate of 5.625% and APR of 5.741% has a payment of $1,151.31 with 0.5 point due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Exclusive Advantage Plus Membership offer for $300 off admin fees, waived valuation fee, and 0.125 rate discount must apply by December 31, 2022 and loan must close to receive full offer. Offer applies to Conventional Residential First Mortgages financed with Mortgage Center and excludes FHA, VA, and Home Equity Loans and Lines of Credit. Advia Credit Union membership required. Offer may not be combined with any other promo or discount. The promo has no cash value and is non-transferrable. Terms subject to credit and mortgage approval. Other restrictions may apply.