Refinance
A Smart Way to Lower Your PaymentsMortgage Refinances
Refinancing your mortgage with Hercules First Federal Credit Union can be a smart way to lower your monthly payments, reduce your interest rate, or change the terms of your loan to fit your financial goals. Whether you're looking to save money, consolidate debt, or pay off your mortgage faster, refinancing can offer the flexibility you need.
- Lower Your Monthly Payments
- Consolidate Debt
- Shorten Your Loan Term
- Cash-Out Refinance
Lower Your Monthly Payments
Take advantage of current mortgage rates to reduce your monthly payment, freeing up cash for other financial goals.
Consolidate Debt
Use the equity in your home to consolidate higher-interest debt, like credit cards, into a single, more manageable payment with a lower rate.
Shorten Your Loan Term
Refinancing to a shorter-term loan can help you pay off your mortgage faster, saving you money on interest over the life of the loan.
Cash-Out Refinance
Access the equity in your home and get cash for large expenses like home improvements, education, or other investments.
Benefits
Competitive & FlexibleKey Benefits of Refinancing
Competitive Rates
Benefit from our low, competitive interest rates, which can make a big difference in your monthly payment and long-term savings.
Flexible Loan Terms
Choose from a variety of loan terms, from 10 to 30 years, to fit your needs.
No Hidden Fees
We believe in transparent lending, so you’ll know exactly what to expect without hidden costs or surprises.
Apply Now
Refinancing your mortgage can be a smart financial move—especially with the help of Hercules First Federal Credit Union’s experienced mortgage specialists. Our team will work with you to understand your goals and find the refinancing option that best suits your needs.
Ready to explore your refinancing options? Contact our mortgage specialists today to get started and see how we can help you save!
Have Questions or Close a Mortgage
Book an Appointment to Speak to a Mortgage Specialist
Rates
View Our RatesMortgage Rates
| Term | 1.0% Origination Fee | APR |
|---|---|---|
| 15 year | 6.000% | 6.157% |
| 20 year | 6.250% | 6.376% |
| 30 year | 6.500% | 6.597% |
Rates as of: April 8, 2025 ** Rates, fees, and Annual Percentage Rates (APRs) displayed may change without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Minimum down payment varies based on loan type selected. Mortgage loans are subject to closing costs. Loans with a Loan to Value (LTV) of 80% or higher are subject to Private Mortgage Insurance (PMI).