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Mortgage Refinance Loans

Mortgage Refinance Loans

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

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 – 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
3.22% 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 3.125% 3.22% $4.28
20-Year Fixed 3.000% 3.13% $5.55
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 3.125% 3.22% $4.28
20-Year Fixed 3.000% 3.13% $5.55
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 2.875% 2.93% $6.85
Jumbo 10-Year Fixed 2.750% 2.78% $9.54
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 2.875% 2.93% $6.85
Jumbo 10-Year Fixed 2.750% 2.78% $9.54

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% 3.01% 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% 3.01% 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% 3.10% 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% 3.10% 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.

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Get a personalized quote just for you.

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

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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

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