Skip to Main Content
Search modal

Your Recent Searches

No Recent Searches Found

But let's try once more with some tweaks

  • Make sure all words are spelled correctly
  • Try using fewer words
  • Try using more general keywords
  • Try different keywords or spellings

But let's try once more with some tweaks

  • Make sure all words are spelled correctly
  • Try using fewer words
  • Try using more general keywords
  • Try different keywords or spellings
PREVIOUS
NEXT

Sorry, We couldn't find what you are looking for. It could be because of many reasons.

Family sitting together outside of house

Mortgage Refinance Loans

Mortgage Refinance Loans

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

APPLY NOW
Mortgage Alert

Important message to our mortgage applicants 

Due to a high volume of applications, it may take us longer than normal to respond. Thank you for your patience as we process applications.

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

Regular and Jumbo Mortgage options available - For Fixed-Rate or Adjustable Rates Mortgage.
Expert guidance – Questions? We can help. Schedule an appointment with a Mortgage Professional. Whether you’re a first-time homebuyer or a veteran to the process, we can walk you through the mortgage process.
Free pre-qualification - make an offer on your home knowing you have been pre-qualified for a mortgage.
DCU service for the life of the mortgage - We’ll service your loan as long as you have it. Never having to worry about making payments to a different lender or prepayment penalties.
Online access – Manage your account through online and mobile banking from anywhere.
60-day rate lock - Don't lose out on that low rate as you go through the mortgage process!
As Low As
3.34% APR
RATING
4 4 / 5 stars

TERM

30 - Year Fixed-Rate

Fixed-Rate Mortgage Rates As Low As

The advertised rates are for mortgage loans up to $510,400.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30-Year Fixed 3.250% 3.34% $4.35
20-Year Fixed 3.125% 3.26% $5.61
15-Year Fixed 2.750% 2.92% $6.79
10-Year Fixed 2.625% 2.87% $9.48
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30-Year Fixed 3.250% 3.34% $4.35
20-Year Fixed 3.125% 3.26% $5.61
15-Year Fixed 2.750% 2.92% $6.79
10-Year Fixed 2.625% 2.87% $9.48

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

Jumbo Fixed-Rate Mortgage Rates As Low As

The advertised rates are for mortgage loans over $510,400.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30-Year Fixed 3.250% 3.28% $4.35
Jumbo 15-Year Fixed 2.750% 2.81% $6.79
Jumbo 10-Year Fixed 2.625% 2.66% $9.48
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30-Year Fixed 3.250% 3.28% $4.35
Jumbo 15-Year Fixed 2.750% 2.81% $6.79
Jumbo 10-Year Fixed 2.625% 2.66% $9.48

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

 

Adjustable Rate Mortgage (ARM) Rates As Low As

The advertised rates are for loans up to $510,400.

ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
5/1 ARM 2.750% 2.92% 5-Years
5/5 ARM 3.000% 3.09% 5-Years
7/1 ARM 2.875% 2.97% 7-Years
10/1 ARM 3.000% 3.04% 10-Years
ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR² APR² Initial Interest Rate Period Initial Interest Rate Period
5/1 ARM 2.750% 2.92% 5-Years
5/5 ARM 3.000% 3.09% 5-Years
7/1 ARM 2.875% 2.97% 7-Years
10/1 ARM 3.000% 3.04% 10-Years

Rates are effective {currentdate}.

¹ARM loans are variable rate loans, interest rates and payments may increase after consummation.

²APR = Annual Percentage Rates are subject to change at any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other restrictions may apply.

Jumbo Adjustable Rate (ARM) Mortgage Rates As Low As

The advertised rates are for loans over $510,400.

ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR¹ APR¹ Initial Interest Rate Period Initial Interest Rate Period
Jumbo 5/1 ARM 2.750% 2.93% 5-Years
Jumbo 5/5 ARM 3.000% 3.09% 5-Years
Jumbo 7/1 ARM 2.875% 2.96% 7-Years
Jumbo 10/1 ARM 3.000% 3.01% 10-Years
ARM Program¹ ARM Program¹ Initial Interest Rate Initial Interest Rate APR¹ APR¹ Initial Interest Rate Period Initial Interest Rate Period
Jumbo 5/1 ARM 2.750% 2.93% 5-Years
Jumbo 5/5 ARM 3.000% 3.09% 5-Years
Jumbo 7/1 ARM 2.875% 2.96% 7-Years
Jumbo 10/1 ARM 3.000% 3.01% 10-Years

Rates are effective {currentdate}

¹ARM loans are variable rate loans, interest rates and payments may increase after consummation.

²APR = Annual Percentage Rates are subject to change at any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other restrictions may apply.

Generate Quote

View rates and estimated costs.

Get a personalized quote just for you.
Get a personalized quote just for you.
GENERATE QUOTE

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

People Also Shopped For

Find out what other members have shopped for after viewing this product.
$0.00
Stop paying big bank fees. You could save with DCU.
OPEN NOW
LEARN MORE Free Checking
2.49% APR
Lower your rate, payment, or both when you refinance.
APPLY NOW
LEARN MORE Auto Refinance Loans
8.50% APR
Great rates with no annual fees, cash advance fees, or balance transfer fees.
APPLY NOW
LEARN MORE Visa® Platinum Credit Card
5.99% APR
Pay off credit cards or invest in home improvements with our traditional personal loan.
APPLY NOW
LEARN MORE Signature Personal Loans
0.20% APY
Earn dividends that often rival uninsured money market mutual funds. (Minimum to earn shown rate: $1,000)
JOIN NOW
LEARN MORE Money Marketing Savings

We're Here to Help

Email

Get assistance by Email.

Visit

Find a Branch or ATM.

Online Live Help

Chat with a Representative

Online Live Help Hours

CHAT
Chat is currently unavailable.

220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
800.328.8797

ABA Routing Number: 211391825
NMLS# 466914

Download Our App

Federally insured by NCUA

Contact Us

Even your smallest questions are our biggest concerns.

©

Digital Federal Credit Union. By using this site, you accept DCU's Terms of Use and Privacy Policy.