Home Loan RefinancingApply Now
You deserve a home loan that helps you thrive—and with UW Credit Union, getting one is easy.
Join thousands of homeowners who have refinanced with us and lowered their payments, maximized their equity or simply found a better-fitting mortgage.
Fastest Ways to Get Started
Talk to Us
Reach out to our experts and let them help you find your best refinance option.
>> Talk to Us
Estimate Your Loan
Run the numbers with our easy-to-use rate tool and see how much you could save.
Take a major step towards a better home loan by submitting an easy online application.
Why Should I Refinance?
No matter your reason, we're here for you every step of the way.
Save in the short and long term with a lower interest rate, shorter term or both.Learn More
Take advantage of your equity with a cash-out refi or consolidate high-interest debt.Learn More
If your financial situation has changed or you're tired of rising adjustable rates, a refi can help.Learn More
Types of Mortgage Refinances
Classic refinancing for loans up to $726,200, plus FHA and VA refis.
Expedite the process and get closing costs as low as $1491.
Available for home loan balances over $726,200.
Cash Out Refi
Access the equity in our home and get cash at closing.
15-Year Fixed Rate Refi
30-Year Fixed Rate Refi
7-Year Jumbo Adjustable Rate
The Lowest Closing Costs + More Discounts
Don’t bother shopping around for the lowest closing costs. They’re right here.
Plus, take up to $750 more off2,3—and if you find lower costs somewhere else, we’ll make it worth your effort.**
What Is It & How Does It Work?
Refinancing involves replacing your current mortgage with one that’s a better fit. Once you’ve decided it’s the right move for you, getting your new home loan is easy.
Step 1: Apply
Submit your application and get approved—fast (usually less than 24 hours).
Step 2: Lock Your Rate
After you're approved, you can lock in your rate and ensure that it won't rise before you close.
Want to lock it even sooner? Request a call from our lending experts.
Step 3: Home Appraisal
To confirm the value of your home, we may ask for an appraisal. Don't stress—we'll handle the ordering and scheduling and we'll help you prepare for it.
Step 4: Closing
Before you know it, you'll be closing on your new loan and saving money.
Refinance with Confidence
At UW Credit Union, we'll work hard to make your experience easy and stress-free.
- Local team - Our expert loan officers will help make your refi a success.
- Fast application - Enjoy an easy, streamlined online application process.
- Easy rate quotes - Explore options for your unique situation.
- In-house servicing - We service our refinances, which means you can access your loan information and make payments in Web Branch.
Connect With Us
Our mortgage team is here to help with fast, local service and a quick response—always.
Here for Every You, Everywhere
When you refinance with UW Credit Union, you become a member of a not-for-profit institution dedicated to serving its 300,000+ members and their communities.
Once you become a member, you’re a member for life—no matter where it takes you. And with 24/7 online banking via Web Branch, our best-in-class mobile app and nearly 1,000 committed employees, we’re never far away.
Cash-Out Refinancing 101
Explore cash-out refinancing and the possibilities it can unlock to help you reach your financial goals.
4 Reasons to Consider Refinancing
Refinancing is a tool you can use to get a better hold on your finances. Here are four ways you can deploy it.