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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).

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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
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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.

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Mortgage Rates

Rate APR
15 Year Fixed (Conforming) Rate6.125 % APR6.375 %
30 Year Fixed Conventional Rate6.750 % APR6.971 %
30 Year FHA Rate5.750 % APR5.584 %
30 Year VA Rate6.000 % APR6.280 %
30 Year USDA Rural Home Purchase Rate5.875 % APR6.234 %
30 Year Conventional Manufactured Home (no homes on rented land) Rate6.875 % APR7.035 %
30 Year FHA Manufactured Home (no homes on rented land) Rate5.875 % APR6.712 %
30 Year VA Manufactured Home (no homes on rented land) Rate6.125 % APR6.407 %

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.

 We had a fantastic experience! We got a great rate, every SELCO representative we interacted with was informative, prompt, and very friendly. We trusted that we were being treated fairly by SELCO, and for first-time homebuyers in this economy, that was a big deal and one of many reasons we decided to work with SELCO. We worked with Faye Ballester, and she was fabulous! She was very kind and personable and made the experience much more digestible and less stressful! We ended up choosing SELCO as our primary shared bank account because of the great experience we had with our loan officer. 
— Maddie F., New SELCO member in 2024

Resources

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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.

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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.

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Demystifying Mortgage Terms, Part II

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