Traditional Home Refinance

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Refinance your mortgage to save money and get ahead.

  • Choose from a range of fixed-rate and adjustable-rate refinance options.
  • Fixed-rate term of 10, 15, 20 or 30 years.
  • Adjustable-rate term of 15 or 30 years, with ARM options of 3 yr/6 mo, 5 yr/6 mo, 7 yr/6 mo or 15/15.
  • Consider a FHA refinance if you have less-than-perfect credit.
  • We offer VA refinancing to members of the military.
  • Option to cash out your home equity.
  • To refinance a loan balance greater than $766,550, see our Jumbo Home Refinance.

15-Year Fixed Rate Refi

Rates as Low as
6.875
%
Rate
6.955
%
APR*

30-Year Fixed Rate Refi

Rates as Low as
7.125
%
Rate
7.175
%
APR*

Reasons to refinance include:

  • Lowering your rate to save on interest.
  • Lowering your monthly payments.
  • Changing your term to pay off your loan quicker.
  • Converting your home equity into cash.

Loan features to consider:

  • Longer terms have higher rates but lower monthly payments.
  • Shorter terms have higher monthly payments, but your rate is lower and you pay less interest over time

Want to compare terms, rates and payments? Use our interactive, no-obligation rate quote tool to estimate your loan.

Estimate Your Loan

What Do the Numbers Mean?

Adjustable-rate mortgages (ARMs) use figures such as 3 yr/6 mo.

  • First Number: the number of years the fixed-rate term lasts
  • Second Number: how often the rate may adjust after the initial fixed term

Example: a 5 yr./ 6 mo. ARM has a fixed rate for five years.

After five years, the rate may adjust every six months for the remainder of the loan.

Explore closing cost discounts available with your mortgage at UW Credit Union.

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 off1,2—and if you find lower costs somewhere else, we’ll make it worth your effort.**  

>> Explore Offers

Get in Touch

We want you to feel at home with your home loan. That's why our local experts are always ready to answer your questions, understand your goals and help you take a smart step forward.

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Phone Number 

(800) 533-6773

Already started an application? Pick up where you left off.

ITIN Lending - UWCU is proud to accept ITIN for mortgage lending applications. 

Refi FAQs

Learn more about home loan refinancing and get answers to frequently asked questions.

>> Explore FAQs

Easy Home Loan Process

As one of Wisconsin's top lenders3, we're here to make the loan process easy and stress free.

>> Our Process

Helpful Calculators

Use these free calculators to help you understand your personal situation and explore your options.