Phishing alert: SELCO impersonators are sending fake texts about unauthorized charges. As a reminder, SELCO never sends unsolicited text messages with links. If you receive one of these texts, please delete it immediately.

Blue checking accounts icon

Refinance Your Home

Looking to take advantage of low rates, pay off your home more quickly, or for lower monthly payments? Maybe it's a cash-out refinance you're after? Whatever your refi goals, our experts will be there for every step (helping you save on fees, closing costs, and time along the way).

Apply Now Make an Appointment

We’ll save you more

Whether it's your first home, forever home, or something in between, our experts are ready to help.

  • Get the best possible rate.
  • Save on closing costs.
  • No origination, processing, or credit report fees.
Meet our Loan Officers
Person's hands fill out a document near a computer.

Right time to refi?

Refinancing can be an invaluable tool, whether you're looking for a better rate or to consolidate high-interest debt. Our loan experts are ready to partner with you to decide if the time is right based on your short- and long-term goals.

Contact Us

Mortgage Rates

Rate APR
15 Year Fixed (Conforming) Rate6.125 % APR6.375 %
30 Year Fixed Conventional Rate6.750 % APR6.971 %
30 Year FHA Rate5.500 % APR6.329 %
30 Year VA Rate5.750 % APR6.024 %
30 Year USDA Rural Home Purchase Rate5.500 % APR6.128 %
30 Year Conventional Manufactured Home (no homes on rented land) Rate6.875 % APR7.035 %
30 Year FHA Manufactured Home (no homes on rented land) Rate5.625 % APR6.456 %
30 Year VA Manufactured Home (no homes on rented land) Rate5.500 % APR6.152 %

Lowest annual percentage rates shown. APR is based on individual credit qualifications and may be higher.

15 year home loan payment example: On a loan for $275,000 at 3.504% APR for 180 months (15 years), borrower would make 180 payments of $1,966.47.

30 year home loan payment example: On a loan for $275,000 at 3.684% APR for 360 months (30 years), borrower would make 360  payments of $1,263.29.

 After shopping online for a loan, we decided to go into our local credit union for our home equity loan. They sent us to see Kari Rodman. Less than an hour later and few emails and our loan process was done. Wow! Thank you for delivering a loan product that beats what was available online. 
— Inga P., SELCO member for over 25 years

Resources

Looking to Consolidate Debt? Try a HELOC.

Burdened by high-interest credit cards? A home equity line of credit can be a great way to consolidate debt and minimize monthly payments.

Older woman shakes the hand of another woman across the table.

One-Stop Financial Shopping

SELCO is a financial hub where you can see your full financial picture and have experts from across multiple departments help you reach all your goals.

Priced Out of An Upgrade? Elevated Home Values Mean You Have Options

While high listing prices and higher interest rates can push upgrading to a new home out of reach, it opens the doors to upgrading in place with a home equity line of credit.

An illustrated house filled with question marks on sticky notes.

Demystifying Mortgage Terms, Part II

Learn how to differentiate between common mortgage terms like PMI, escrow, conventional vs. FHA loans, and more.