Home Loan Refinance

Let us help you refi your mortgage

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Refinancing Shouldn't be a Chore

Refinancing your home loan is a big financial step. A UNIFY mortgage specialist can help you run the numbers and see how you can make the most of a home refinance - including a cash-out option. Our goal is to make every step of the mortgage refi journey just a bit more manageable.

Step One:

Know Thyself and thy Finances

Before applying, you want a solid understanding of your credit score, payment options, and refi goals.

Boost your credit score

Run your credit report and clear up any errors or delinquencies before starting your refinance. A higher credit score could mean a lower interest rate, which will increase your budget. For help with this, check out our free SavvyMoney® credit tool in eBanking.

Learn More  

Know your refi goals

Why are you refinancing your home loan? Is it to lower your monthly payment? Get out of PMI? Pull out cash? Your financial goals make an impact on the mortgage refi loan that will work best for you. 

Let’s get your mortgage refi started!

Make an Appointment

Step two:

Choose Your Mortgage Refinance Loan

You have plenty of refi loan options! UNIFY offers 30 year, 20 year, and 15 year fixed home loans as well as 5/1, 7/1, and 10/1 adjustable ARMs. View all mortgage rates to see your refi loan options. 

Fixed-Rate Mortgage

Enjoy the consistency of uniform monthly payments.

IDEAL FOR: Buyers who want a fixed rate and plan to stay in their home more than 10 years.

  • 15, 20, and 30-year terms for purchase or refinance
  • Up to 97% combined loan-to-value (CLTV) financing
  • $50,000 to $2,000,000 loan amounts
  • 60-day rate lock

Apply now 

Adjustable-Rate Mortgage

Take advantage of some of the lowest rates we offer for the first years of the loan.

IDEAL FOR: Buyers who want the lowest possible rate in the short term and buyers who won’t be in their home long-term.

  • Fixed payments for 5, 7, or 10-years and adjustable after
  • Amortized for a 30-year term
  • Up to 80% combined loan to value (CLTV) financing9
  • Up to 100% CLTV financing when paired with UNIFY’s Down Payment Second Mortgage Helper
  • $50,000 to $2,000,000 loan amounts1
  • 60-day rate lock
  • Annual and lifetime interest rate caps

Apply now

Need help? Schedule an appointment with a Mortgage Lending Specialist!

Schedule Appointment


2Minimum loan amounts may vary by state. Approved loan amounts are based on borrower(s) and collateral meeting approval criteria including credit history, debts, ability to repay, home ownership, home value, and other factors. 
3The following are subject to loan-level rate adjustments in accordance with federal guidelines: all condominiums, multi-units (up to 4 units) and cash-out refinances.
4Interest rate lock available after pre-approval and member indicates intent to proceed, including paying a $500 non-refundable fee. Loans must be funded within 60 days of locking interest rate. If 60 days expire, additional rate lock fees may apply. 
6Rate subject to change annually after introductory period. Rate changes based on one year T-Bill (CMT) index plus a margin of 2.75%.
7Please consult a tax professional regarding your specific situation.
8APR=Annual Percentage Rate. “As low as” fixed rate loan lock APR assumes excellent borrower credit history including a minimum FICO score of 740, 80% or less loan-to-value (LTV) and a maximum 5 year lock term. Estimated monthly payment is $19.22 per $1,000 borrowed for 60-month term at 5.75% APR. Your rate may vary. Alternative term options are available and based on creditworthiness at time of loan origination and length of rate lock period.  Maximum of three fixed-rate loan locks at any time. Rates and/or program subject to change without notice.
9Maximum 80% CLTV if subject property is a second home, or if subject property is located in the State of Texas.

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Credit Union Near Me

UNIFY is always near you with 24/7 call center access and branches nationwide including Los Angeles, Orange County, Plano, Texas, and Northwest Arkansas.

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