Mortgage Refinance
Step into a smarter mortgage.
Refinance. Reset. Relax.
Life changes — so can your mortgage. Call Federal helps you reap the rewards of mortgage refinancing with significant savings.
Benefits
Refinance Your Mortgage and Unlock New Opportunities
Free Up Your Budget with Lower Monthly Payments
Reduce your monthly mortgage payment to create more room in your budget while staying on track with your financial goals.
Build Equity Faster with a Shorter Loan Term
Reducing the term of your loan helps you pay off your mortgage sooner and build equity more quickly, saving on interest over time.
Save More by Consolidating Your Debt
Combine your debts into one payment at a lower interest rate to simplify your finances and reduce overall costs.
Upgrade Your Home, Enhance Your Life
Invest in home improvements to create a space where you can live comfortably, laugh often, and love even more
Save On Upfront Costs At Closing
For a limited time, qualifying mortgages may receive waivers on select lender fees, helping you keep more cash on hand for moving, settling in, and everything that comes next. See which fees, including appraisal and other common costs, may be covered.
Ask About Our Rate Match Guarantee
Found a better mortgage rate elsewhere? Call Federal will match a competitor’s interest rate with a valid Loan Estimate dated within 48 hours of your request. It’s just one more way we help you make your best call.
Rates
|
Term |
Rate1 |
APR2 |
Points |
|---|---|---|---|
|
1Rates posted are indications only and are subject to change without notice. If you wish to lock in your rate, please consult with your mortgage officer. 2APR=Annual Percentage Rate. All rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates advertised are our lowest offered rates at the time of submission. Your rate may be higher. Loans are subject to approval. Certain restrictions may apply. Rates Effective Date: March 13, 2026. |
|||
|
Term 30 Year |
Rate1 6.500% |
APR2 6.586% |
Points 0.125 Points |
|
Term 30 Year (+ Points) |
Rate1 5.875% |
APR2 6.136% |
Points 2 Points |
|
Term 20 Year |
Rate1 5.875% |
APR2 6.192% |
Points 1.750 Points |
|
Term 15 Year |
Rate1 5.375% |
APR2 5.768% |
Points 1.750 Points |
|
Term 10 Year |
Rate1 5.125% |
APR2 5.710% |
Points 1.875 Points |
Estimate your monthly mortgage savings
Enter information about your current mortgage loan and what you’d like to borrow, and we’ll estimate how much you could save refinancing with us.
Calculated payments shown are for estimation purposes only. Payment examples only reflect principal and interest payment and excludes escrow (real estate property tax and homeowners’ insurance), which would cause the actual payment to be higher. Actual loan payment amount will be disclosed at loan closing and may differ. Rates above may include points.1 For more details on rates click here and click on the Mortgages & Home Equity Tab.
Need a little more information?
Refinancing your mortgage offers several potential benefits, including:
- Lower Monthly Payments: Reduce your financial burden with a better interest rate or extended term.
- Better Interest Rate: Lock in a lower rate to save money over the life of your loan.
- Shorter Loan Term: Pay off your mortgage faster and save on long-term interest.
- Debt Consolidation: Combine high-interest debts into one manageable payment.
- Access to Home Equity: Tap into your home’s equity for renovations, education, or other major expenses.
Refinancing can be a strategic move to better align your mortgage with your financial goals.
Yes, with a cash-out refinance, you can borrow against the equity in your home. This allows you to receive cash at closing, which can be used for home improvements, debt consolidation, education expenses, or other financial needs. Keep in mind that this increases your loan balance and may affect your monthly payment, so it’s important to evaluate your long-term financial goals.
Start Refinancing Today
Call Federal is here to help. Reach out to us today for more information and assistance.
Disclosures
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¹Rate Match Program is only available on conventional Call Federal loan products and must be for a primary residence. 100% financing loans are not eligible for the Rate Match Program. A completed Loan Estimate required within 48 hours for Rate Match to be considered. Terms and conditions apply; not all will qualify. Subject to membership in the credit union, credit approval and closing. Other conditions and restrictions may apply. Federal Housing Administration (FHA), other government loans, construction loans and jumbo loans are not eligible for promotion. Call Federal Credit Union is an equal housing lender licensed by the National Mortgage Licensing System under NMLS #407823.