Home Loan Refinancing

Apply Now A father sits on a couch holding his son in his lap and kisses him on the cheek.

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

Estimate Your Loan

Use this interactive calculator to explore your financial options.


Run the numbers with our easy-to-use rate tool and see how much you could save.

>> Estimate Your Loan

Apply Now

Get preapproved for your home loan fast and easily at UWCU.


Take a major step towards a better home loan by submitting an easy online application.

>> Apply Now


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. 

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Maximize Value

Take advantage of your equity with a cash-out refi or consolidate high-interest debt. 

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If your financial situation has changed or you're tired of rising adjustable rates, a refi can help. 

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Types of Mortgage Refinances

Traditional Refi

Classic refinancing for loans up to $766,550, plus FHA and VA refis.

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Rapid Refi

Expedite the process and get closing costs as low as $1491.

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Jumbo Refi

Available for home loan balances over $766,550.

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Cash Out Refi

Access the equity in our home and get cash at closing. 

>> Learn More

Compare Options View Rates


15-Year Fixed Rate Refi

Rates as Low as

30-Year Fixed Rate Refi

Rates as Low as

7-Year Jumbo Adjustable Rate

Rates as Low as
Explore the UWCU Mortgages closing cost offers available when you get your Home Loan through us.

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.**  

>> Explore Offers

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.

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. 


Get helpful answers to the most frequently asked questions.

Learn More




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.

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.


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. 

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