Refinance. Then reimagine.
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How to apply for your mortgage refinance
FAQs about mortgage refinancing
What is the maximum equity I can access in my home?
In most cases, the maximum loan-to-value for a cash-out mortgage refinance is 80%. This means that, based on a home’s appraisal, the new loan cannot exceed 80% of the appraised value.
How quickly can I close on a mortgage refinance?
Typically, a mortgage refinance transaction can be closed in 30 days or less. It’s important to keep in mind that the time it takes to close depends heavily on the complexity of the loan file and your help in supplying the documentation needed to move things along.
When should I refinance my home?
It depends on your situation, but a good rule of thumb for a no cash-out mortgage refinance is when you can lower your interest rate by one to two percentage points. On the other hand, if you need to access your equity with a cash-out mortgage refinance, lowering your interest rate may not be your top priority. Because this is a circumstantial question, it’s a good idea to consult with a mortgage professional.
Can you help me find insurance for my home?
Yes, we’re here to help! Get a custom online quote on the spot by clicking here.3
Disclosures
1
Annual Percentage Rate (APR) shown effective {current-date} and is subject to change without notice. Visit our rates page for additional rate information and details.
3
Insurance products and services are offered through Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services. Desert Financial Wealth Services, LLC is a subsidiary of Desert Financial Credit Union. Insurance products and services are not insured by the NCUA, are not obligations of or guaranteed by the credit union or its affiliates and may be subject to risk.