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Home loans

Refinance a home loan

Consider refinancing, if you:

  • Purchased your current home with a high interest rate and want to secure a lower interest rate.
  • Want to lock in a lower monthly payment.
  • Need to consolidate your debt.
  • Are interested in new loan terms and potentially paying off your loan faster.
  • Want to eliminate mortgage insurance.

Ready to move forward?

There are many considerations to think about when it comes to refinancing your home. Talk with a Mortgage Loan Officer to see if refinancing aligns with your financial goals. You can also explore additional home loan products below.

Home loan products

A loan that will be paid back over the agreed term, with an interest rate that doesn't change.
TCU offers 10, 15, 20 or 30 year fixed-rate mortgages. This is the best choice for you if:

  • You want fixed payments for the full term of the loan.
  • You want the security of knowing your interest rate will not change over time.
  • You think interest rates could rise in the next few years.
The rate is fixed during the initial term of the loan. After the initial term the rate and payment may adjust once each year for the remaining term of the loan.

TCU offers a 7/1 fixed rate mortgage. This is the best home loan for you if:
  • You are planning to move prior to the end of the initial rate period and therefore aren't concerned about future rate increases.
  • You think interest rates could fall in the future.
A jumbo loan allows you to borrow a larger amount of money than a conventional loan.
  • Our jumbo loans are available in a variety of terms:
    • 10-, 15-, and 20-Year Fixed Rate Jumbo.
    • A 7/1 Adjustable Rate Mortgage (ARM) Jumbo.
This is the best home loan choice for you if:
  • The amount you need to borrow is over the conventional loan limits (which may vary by region).
A VA loan is a mortgage option for veterans, active duty personnel, or those who meet other eligibility criteria. Talk to a Mortgage Loan Officer about eligibility requirements.
  • Our VA loans are available with a term of 15- or 30-Year Fixed Rate.
This is the best home loan choice for you if:

  • You meet the VA eligibility criteria.
  • You do not have funds for a down payment.

For rates, assumptions and full disclosures, visit our daily rate sheet.