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 $726,200, see our Jumbo Home Refinance.

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.

The first number is the number of years the initial fixed-rate term lasts. The second number is how often the rate may adjust after the initial fixed term. For 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.

15-Year Fixed Rate Refi


30-Year Fixed Rate Refi

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 Started Today

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Have questions or need more help?

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Connect with a Mortgage Loan Officer

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Our knowledgeable and experienced team of mortgage loan officers is looking forward to working with you. 
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Refi FAQs

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

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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.