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Refinance Your Home Loan

Lock in a new rate and terms.

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There are plenty of reasons to refinance. What’s yours?

 

Lock in a new rate with a 30-year fixed term.

 

Shorten your loan term and pay it off sooner.

 

Choose an adjustable-rate loan to get a lower rate.

 

Take out cash to pay off high-interest debt or make home improvements.

 

Explore removing Private Mortgage Insurance (PMI).

30-year fixed rates as low as

7.04 % APR
CURRENT MORTGAGE RATES
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Why Refinance Your Home Loan?

We make the process simple and hassle-free. Most refinance loans close in 30 days.

Here are some good reasons to refinance:

  • Possibly get a lower interest rate and reduce your monthly payment.
  • Pay off your mortgage faster with a shorter-term mortgage.
  • Tap into your home's equity with a cash-out refinance to make home improvements or consolidate debt.
  • Remove PMI to save money on your monthly payments.

Homebuying Resources

Find the Best Home Loan for You

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Compare Two Mortgages

CALCULATOR

Get the Right Home Insurance Coverage

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Protect Your Biggest Investment

  • Homeowners Insurance: Make sure you're protected from losses due to fire, lightning, burglary, vandalism, storms and more.
  • Condominium Insurance: Get coverage for interior walls and floors, personal property and personal injury.
  • Earthquake Insurance: This separate policy helps you recover, replace and rebuild if a tremor damages your home.
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Apply Online

Log in with your SchoolsFirst FCU user name and password, or as a guest.

SUBMIT AN APPLICATION
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Get Professional Guidance

Discuss your options with a real estate loan consultant in person, over the phone or at a branch.

MAKE AN APPOINTMENT
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Call

Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 8288
Disclosures

APR = Annual Percentage Rate. All loans subject to approval.

​The interest rates and APRs listed above are effective as of 01/14/2025 and are subject to change without notice. The pricing you may qualify for is based on factors including your credit rating and loan-to-value (LTV) of your property. A minimum credit qualifying score is required. Adjustable-rate home loans; rate and payment subject to change after loan consummation. Lending area: State of California.
 

NMLS Identifier: 405503

CA Insurance License 0I19344. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.