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Mortgage Refinance Loans

Mortgage Refinance Loans

Reduce monthly payments, your rate or put your home equity to good use.

APPLY NOW

At a Glance

We're ready to help you refinance your home. DCU has several options that may help you lower your rate, lower your monthly payment, shorten your term, or all three.

Features / Benefits

Lifetime service - we'll service your loan as long as you have it.
Online access – manage your account through online banking from anywhere.
Free pre-qualification - make an offer on your home knowing you’ve been pre-qualified for a mortgage.
Expert guidance - Questions? We can help. Schedule an appointment with a Mortgage Consultant.
Insure your home – DCU Insurance can help - get a quote.
No points / no closing cost options available.
As Low As
4.10% APR
RATING
4 4 / 5 stars

TERM

30 years

Fixed-Rate Mortgage Rates

The following Fixed Mortgage rates are for loans up to $484,350 (also known as “conforming mortgages") with no points

Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
30-Year Fixed ³ 0 points 4.500% 4.60% $5.07
30-Year Fixed ⁴ 0 points 4.000% 4.10% $4.77
20-Year Fixed ⁴ 0 points 3.875% 4.01% $5.99
15-Year Fixed ⁴ 0 points 3.750% 3.92% $7.27
10-Year Fixed ⁴ 0 points 3.500% 3.75% $9.89
Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
30-Year Fixed ³ 0 points 4.500% 4.60% $5.07
30-Year Fixed ⁴ 0 points 4.000% 4.10% $4.77
20-Year Fixed ⁴ 0 points 3.875% 4.01% $5.99
15-Year Fixed ⁴ 0 points 3.750% 3.92% $7.27
10-Year Fixed ⁴ 0 points 3.500% 3.75% $9.89

Rates are effective {currentdate}.

¹APR= Annual Percentage Rates subject to change at any time. Rates locked in today have an expiration date 60 days from today. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

²Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

31 unit owner occupied, purchases only, 97% of home value.

4Owner occupied, up to 95% of home value

Jumbo Fixed-Rate Mortgage Rates

The following Fixed Mortgage rates are for loans over $484,350 (also known as “jumbo mortgage”) with no points

Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Jumbo 30-Year Fixed ³ 0 points 4.000% 4.03% $4.77
Jumbo 15-Year Fixed ³ 0 points 3.750% 3.81% $7.27
Jumbo 10-Year Fixed ³ 0 points 3.500% 3.53% $9.89
Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Jumbo 30-Year Fixed ³ 0 points 4.000% 4.03% $4.77
Jumbo 15-Year Fixed ³ 0 points 3.750% 3.81% $7.27
Jumbo 10-Year Fixed ³ 0 points 3.500% 3.53% $9.89

Rates are effective {currentdate}

¹APR= Annual Percentage Rates are subject to change at any time. Rates locked in today have an expiration date 60 days from today. Further restrictions apply for loan amounts over $484,350 such as credit score, Loan to Value, etc. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

² Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

³ Owner occupied, up to 90% of home value

Adjustable Rate Mortgage Rates

The following Adjustable Rate Mortgage rates are for loans up to $484,350 (also known as “conforming mortgages").

Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
5/1 ARM First 60 / Next 300 0 3.000% / 4.500% 4.05% / 4.48% 2% / 2% / 5% 2.750% / 1.730% $4.21 / $4.94
5/5 ARM First 60 / Next 300 0 3.250% / 4.125% 3.91% / 4.17% 2% / 2% / 5% 2.750% / 1.420% $4.35 / $4.78
7/1 ARM First 84 / Next 276 0 3.125% / 4.500% 3.94% / 4.48% 5% / 2% / 5% 2.750% / 1.730% $4.28 / $4.91
10/1 ARM First 120 / Next 240 0 3.250% / 4.500% 3.82% / 4.48% 5% / 2% / 5% 2.750% / 1.730% $4.35 / $4.85
Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
5/1 ARM First 60 / Next 300 0 3.000% / 4.500% 4.05% / 4.48% 2% / 2% / 5% 2.750% / 1.730% $4.21 / $4.94
5/5 ARM First 60 / Next 300 0 3.250% / 4.125% 3.91% / 4.17% 2% / 2% / 5% 2.750% / 1.420% $4.35 / $4.78
7/1 ARM First 84 / Next 276 0 3.125% / 4.500% 3.94% / 4.48% 5% / 2% / 5% 2.750% / 1.730% $4.28 / $4.91
10/1 ARM First 120 / Next 240 0 3.250% / 4.500% 3.82% / 4.48% 5% / 2% / 5% 2.750% / 1.730% $4.35 / $4.85

Rates are effective {currentdate}.

¹APR = Annual Percentage Rates are variable and may increase after consummation. All rates shown are based upon a 30-year term, owner occupied, and up to 60% of home value. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Rates locked in today for 60 days have an expiration date of October 6, 2019. 

²Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

³Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

Jumbo Adjustable Rate Mortgage Rates

The following Adjustable Rate Mortgage rates are for loans over $484,350 (also known as “jumbo mortgage”).

Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
Jumbo 5/1 ARM First 60 / Next 300 0 3.000% / 4.625% 4.05% / 4.61% 2% / 2% / 5% 2.875% / 1.730% $4.22 / $5.01
Jumbo 5/5 ARM First 60 / Next 300 0 3.250% / 4.250% 3.90% / 4.30% 2% / 2% / 5% 2.875% / 1.420% $4.35 / $4.84
Jumbo 7/1 ARM First 84 / Next 276 0 3.125% / 4.625% 3.93% / 4.61% 5% / 2% / 5% 2.875% / 1.730% $4.28 / $4.96
Jumbo 10/1 ARM First 120 / Next 240 0 3.250% / 4.625% 3.79% / 4.61% 5% / 2% / 5% 2.875% / 1.730% $4.35 / $4.91
Terms Terms Months Months Points Points Interest Rate Interest Rate APR¹ APR¹ Initial/Annual/Life³ Initial/Annual/Life³ Margin/Index Margin/Index EMP² per $1,000 EMP² per $1,000
Jumbo 5/1 ARM First 60 / Next 300 0 3.000% / 4.625% 4.05% / 4.61% 2% / 2% / 5% 2.875% / 1.730% $4.22 / $5.01
Jumbo 5/5 ARM First 60 / Next 300 0 3.250% / 4.250% 3.90% / 4.30% 2% / 2% / 5% 2.875% / 1.420% $4.35 / $4.84
Jumbo 7/1 ARM First 84 / Next 276 0 3.125% / 4.625% 3.93% / 4.61% 5% / 2% / 5% 2.875% / 1.730% $4.28 / $4.96
Jumbo 10/1 ARM First 120 / Next 240 0 3.250% / 4.625% 3.79% / 4.61% 5% / 2% / 5% 2.875% / 1.730% $4.35 / $4.91

Rates are effective {currentdate}

¹APR = Annual Percentage Rates are variable and may increase after consummation. All rates shown are based upon a 30-year term, owner occupied, and up to 60% of home value. Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Further restrictions apply for loan amounts over $484,350 such as credit score, Loan to Value, etc.

Rates locked in today for 60 days have an expiration date of October 6, 2019.

²Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

³Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

Mortgage Fees

Item Item Fee Fee
Mortgage Application Fee $300
Rate Lock Fee $0.00*
Item Item Fee Fee
Mortgage Application Fee $300
Rate Lock Fee $0.00*

*There is no fee to lock your rate.

Other Approx. Mortgage Costs*

Item Item Approx. Cost Approx. Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**
Item Item Approx. Cost Approx. Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**

*Private Mortgage Insurance is also required if the loan to value is greater than 80%. The "Loan to Value" is the total loan amount divided by the value of your property. The value of the property is the lesser of either the purchase price or appraised value. Secondary Market Delivery Fees may be applicable in addition to the Approximate Closing Costs.

**Depends upon the state you are purchasing your home in. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Plan for Your Mortgage

Choose from our easy to use calculators to help you manage or plan for your mortgage or home equity loan.

What Our Members Are Saying

Quick and Easy

RATINGS 5 5 / 5 stars

I financed my home with a 5/1 ARM. It took just 44 days from my initial online application to closing the loan. The process was easy, and we got a great rate.

Lilly1 – Westborough, MA

READ MORE REVIEWS

Great Product

RATINGS 5 5 / 5 stars

The 5/1 Fixed/Adjustable mortgage allows us to keep monthly expenses down now while we are on a fixed income. DCU was very fast to get us to closing and kept us very informed all along the way.

isabella – Bedford, MA

READ MORE REVIEWS

Great value

RATINGS 5 5 / 5 stars

I recently refinanced with DCU. Great rate. The process was smooth and all of it was done remotely.

Ohioan – Lewis Center, OH

READ MORE REVIEWS

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Email

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Chat with a Representative.

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SAT: 9:00 AM to 3:00 PM (EST)

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APR= Annual Percentage Rate.   |   APY= Annual Percentage Yield.

Rates displayed on this page are effective {currentdate} and are subject to change. View a full list of rates and rate determination criteria for all products by clicking here.

Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.