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Refinance your Home

Make your biggest investment pay off.

Apply for refinancing
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Mortgage Refinancing

Refinancing your mortgage is a way to potentially lower your interest rate and monthly mortgage payment.

Today's Rates

Home Equity Loan – 1st Lien (Home Loan Refinance)



Annual Percentage Rate

Refinance your existing mortgage
APR = Annual Percentage Rate. Rates include a 0.75% loan origination fee. Based on $200,000 loan with 20% down. Rates are subject to change without notice. Member pays third party closing costs.
Up to 90% LTV

15 year

6.625% – 8.75%

6.825% – 8.963%

7 year balloon
(30 year amortization)

7.25% – 8.875%

7.488% –9.123%

Find the Right Refinancing Loan For You

Get up to 90% loan to value with our two refinance options for your existing home loan:

15-Year Fixed-Rate Loan

30-Year Fixed-Rate Loan
with a 7-Year Balloon Payment

Your loan will be underwritten and serviced by our employees and will never be sold to another institution. If you’re not sure about which option to choose, don’t worry! We’ll work with you to determine which option is best for you.

Call with Questions

Should you Refinance?

When you refinance, there are refinancing costs that you should anticipate. Use our online calculator, that will tell you if the amount you save in interest will exceed these refinancing costs.

Use our online refinance calculator

young woman using calculator


Yes. This is what’s called a “cash-out refinance.” Cash-out refinance empowers you to pay off your existing mortgage(s) and also take out some of your home equity in a lump-sum cash payment at closing.

Because the way you’ve managed your finances in the past can help predict how you are likely to do so in the future, lenders will consider your credit rating when you apply for a mortgage or other loan. Your credit rating is the clearest reflection we can see of how you handle your finances. A higher credit score may help you qualify for better mortgage interest rates, and some lenders may lower their down payment requirement for a new home loan if you have a high credit score.

Learn more about credit scores and what they mean on Investopedia

Refinance your home

Apply for a refinance of your existing home loan.

Call us with questions about the loan options or the loan application process.


Visit any of our branches:

Old Town
221 NW 2nd Ave, Ste 100 | Portland, OR 97209

3904 N Mississippi Ave | Portland, OR 97227

3354 SE Division St | Portland, OR 97202

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