Mortgage Refinance

Refinance and put your home's equity to work.

With the increasingly competitive housing market, finding a new home can be a challenge. Refinance up to 95% of your homes equity and make your current home your dream home.1

Start earning cash back with Mortgage Advantage Bucks.

With Advantage Plus Rewards and your new Mortgage loan, you could earn monthly cash back that adds up annually to 0.25% of your outstanding mortgage balance.2

Must open new mortgage on or after February 1, 2023.

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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All Refinance Options
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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. Restrictions apply. All offers and rates subject to change at anytime. All loans subject to approval.
  2. Mortgage Advantage Bucks is a promotional offer tied to having an Advia Credit Union account meeting all following qualifications: (1) obtained first mortgage loan (applies to conventional residential first mortgages, FHA, and VA; excludes Home Equity Loans and lines of credit) with Advia Credit Union’s partner Mortgage Center on or after February 1, 2023, (2) must have met Advantage Plus Rewards criteria (see program details at in the prior month to be eligible for the scheduled payout the following month, and (3) account is in good standing requirements as required to meet our Advantage Plus Rewards program criteria. When all qualifications are met, member will receive a promotional deposit into their primary share savings by the 15th of the month in an amount equivalent to 0.25% / 365 * # of days per month * prior month-end mortgage loan balance (payment example for $250,000 mortgage loan balance held within qualifying month with 30 calendar days = .0025/365*30*250,000 = $51.36). Promotional payout limited to only those months when all qualifications are met, up to concurrent twelve (12) payouts following month-end when mortgage loan is reported on Advia’s member operating system. Promotional deposits earned will be included in year-end 1099-INT. Promotional campaign effective February 1, 2023, and subject to change at any time. All loans subject to approval. Other restrictions may apply.