Rate Term Refinance
Apply NowRate Term Refinance
When you choose a rate/term refinance, you’re replacing your current home loan with a new mortgage that has a different interest rate or term (length of loan).
This is an option a lot of homeowners considered when mortgage interest rates dipped to record lows during the pandemic. Many people found that by lowering their interest rate and choosing the same term as their original loan they could lower their monthly mortgage payment.
Others found that by choosing a shorter term (for example, 15 years instead of 30), they could pay less in interest over the life of the loan without dramatically changing their monthly mortgage payment.
Apply to Refinance Now
Begin your secure application.
Connect with a local lender.
Fill out the form below or call 1-800-914-8224 to get in contact with the Mortgage Services team.
Have a question about an existing home loan? Call 1-800-UCBANK1 (1-800-822-2651) and choose Option 6 to connect directly with our loan servicing experts.
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Not Ready to Refinance?
Try Leveraging Your Home's Equity.
Sometimes it's just not the right time to refinance. Your home could still lend you a hand without you having to refinance your home. Consider a Home Equity Line of Credit (HELOC) or a Home Equity Loan. It might just be the solution you're looking for.
