Mortgage Refinance

Financial flexibility follows a refinance

Go with the mortgage that adapts to your finances and current needs. 

A mortgage refinance to fit your finances

See if you can shorten your term and pay off your mortgage sooner

Convert from an adjustable-rate mortgage (ARM) to a fixed rate

Access equity to consolidate debt with a higher interest rate, finance a purchase or address expenses

Let's discuss your mortgage options 

We're here to help you determine whether refinancing your existing home loan makes good financial sense. You may want to lower your monthly payment, change the loan term, or tap into your home equity for other expenses. With Monterra Credit Union, you have all types of options. 


*Discount of 0.125% applies to Adjustable-Rate Mortgage (ARM) products for a new home purcahse and is good through 07/31/2024. Offer is valid on first mortgage only. ARM interest rates are subject to change. ARM rates are based on the United States Treasury securities and are adjusted to a constant maturity (CMT) of 5-year or 1-year as made available by the Federal Reserve Board.
All mortgage loans through Monterra Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans are subject to credit approval. Please speak with a Real Estate Representative for current rates and information on loan limits as additional conditions and restrictions may apply. 

Monterra Credit Union NMLS #416747.

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