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Home Refinance

Make your mortgage work harder.

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Today’s Lowest Rates

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15/15 ARM

As low as

6.829 APR

15 YR Fixed

as low as

6.722 APR

When your goals change, your mortgage can too.

Refinancing may help you lower your rate, reduce monthly payments, or tap into equity. We’ll help you evaluate your options clearly so you can make an informed decision without any pressure.

Competitive Rates

Lower your rate and potentially reduce your monthly payment.

Flexible Loan Options

Choose from a variety of terms and loan options from 10 to 30 years.

Personalized Guidance

Get expert support throughout the refinancing process.

Product options for refinancing your home

The benefit to having a fixed rate mortgage is that your interest and principal monthly payments are the same throughout the term of your loan. This option is best if you see yourself living in your home for a long period of time and want to keep your payments the same.

Available terms are 10, 15 and 30 years
Loans up to $3 Million
Primary residence, second homes and investment properties

With an adjustable-rate mortgage, your initial interest rate and monthly payment may be lower compared to a fixed-rate mortgage. The interest rate is typically fixed for an initial period and then may adjust periodically based on the terms of the loan. If you plan to move or refinance in a few years, an ARM may be the best option for you.

Available terms are 15/15, 10/10/10, 10/1, and 5/5
Loans up to $3 Million
Primary residence, second homes and investment properties

Check our rates.

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Fixed Rate Conforming Home Loans ($50,000 to $832,750)
Terms	Rates	Points	APR*	Payments	Payment
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Rates and payment examples shown are based on $200,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Payment example: 120 monthly payments of approximately $11.29 per $1,000 borrowed. Max loan amount is $832,750. Taxes and insurance are not included in the payment example; your payment may be greater.
Terms 30 Year Fixed	Rates 7.000%	Points 0	APR* 7.143%	Payments 360	Payment $1,364.35
Terms 20 Year Fixed	Rates 6.625%	Points 0	APR* 6.805%	Payments 240	Payment $1,550.60
Terms 15 Year Fixed	Rates 6.500%	Points 0	APR* 6.722%	Payments 180	Payment $1,769.82
Terms 10 Year Fixed	Rates 6.375%	Points 0	APR* 6.685%	Payments 120	Payment $2,270.96

Fixed Rate Jumbo Home Loans ($832,751 and Over)
terms	rate	points	APR*	payments	paymnet
*Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Rates and payment examples shown are based on $1,125,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Payment example: 120 monthly payments of approximately $11.35 per $1,000 borrowed. Taxes and insurance are not included in the payment example; your payment may be greater.
terms 30 Year Fixed	rate 7.125%	points 0	APR* 7.321%	payments 360	paymnet $7,674.48
terms 20 Year Fixed	rate 6.875%	points 0	APR* 7.089%	payments 240	paymnet $8,722.11
terms 15-Year Fixed	rate 6.750%	points 0	APR* 6.858%	payments 180	paymnet $9,955.23
terms 10 Year Fixed	rate 6.500%	points 0	APR* 6.647%	payments 120	paymnet $12,774.15

ARM* Rate Conforming Home Loans ($50,000 to $832,750)
term	rate	points	APRs¹	payments
1. Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. APR shown is based on $200,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. Max loan amount is $832,750. (ARM – Adjustable Rate Mortgage) 15/15 ARM* is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.65 per $1,000 borrowed. 10/10/10 ARM is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.57 per $1,000 borrowed. 5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.99 per $1,000 borrowed.
term 15/15 ARM	rate 7.000%	points 0	APRs¹ 6.829%	payments 360
term 10/10/10 ARM	rate 6.875%	points 0	APRs¹ 6.779%	payments 360
term 5/5 ARM	rate 5.990%	points 0	APRs¹ 6.224%	payments 360

ARM* Rate Jumbo Home Loans ($832,751 and Over)
term	rate	points	apr¹	payments
1. Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. APR shown is based on $1,125,000 loan amount, owner occupied, 80% loan-to-value, CA properties only. ARM – Adjustable Rate Mortgage 15/15 ARM* is fixed for the first 15 years, then adjusts and fixed for the next 15 years after. Based on 10-year CMT +1.00% margin. Adjustment cap 6%; floor rate 1.00%. Payment example: the first 180 payments of $6.65 per $1,000 borrowed. 10/10/10 ARM is fixed for the first 10 years, subject to change every 10 years thereafter. Based on 10-year CMT + 1.5% margin. Adjustment cap 3%; floor rate 1.00%. Payment example: the first 120 payments of $6.57 per $1,000 borrowed. 5/5 ARM is fixed for the first five years, subject to change every five years thereafter. Based on the 1-year CMT + 2.25% margin. Adjustment cap 2%; floor rate 2.25%. Payment example: the first 60 payments of $5.99 per $1,000 borrowed.
term 15/15 ARM	rate 7.000%	points 0	apr¹ 6.738%	payments 360
term 10/10/10 ARM	rate 6.875%	points 0	apr¹ 6.466%	payments 360
term 5/5 ARM	rate 5.990%	points 0	apr¹ 6.131%	payments 360

Non-Owner Occupied Home Loans
term	rate	points	APR*
Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. 10 Year Fixed Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 120 payments of approximately $11.61 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher. 15 Year Fixed* Non-owner occupied properties in California only. Maximum LTV 70%. Payment example: 180 payments of approximately $8.99 per $1,000 borrowed. Taxes and insurance are not included in payment example; your actual payment will be higher.
term 10 Year Fixed (conforming)	rate 6.875%	points 0	APR* 7.131%
term 15 Year Fixed (conforming)	rate 7.000%	points 0	APR* 7.131%

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Meet Your Real Estate Loan Specialists!

Our experienced real estate loan specialists are here to guide you through every step of the financing process. With personalized solutions and trusted expertise, we help make your real estate goals a reality.

David Oliveros

Senior Home Loan Advisor

Serving Sacramento & Rancho Cordova
doliveros@firstus.org
916-576-5672
NMLS # 1175725Make an Appointment

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Learn more about David

Christopher Tatton

Senior Home Loan Advisor

Serving Rocklin, Auburn & Grass Valley
ctatton@firstus.org
916-576-5664
NMLS # 1089578
Make an Appointment

Apply Now

Learn more about Christopher

Get started with your application.

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Home Refinance FAQs

While every loan is different, the mortgage process generally includes:
1. Prequalification – We review your financial information and discuss your loan options.
2. Home Search & Offer – Once you know your potential price range, you can begin shopping for a home and make an offer.
3. Application – After you have a property, you’ll complete your mortgage application and provide the required documentation.
4. Processing – We review and verify your income, assets, credit, property information, and other loan details.
5. Underwriting – An underwriter reviews the loan to determine whether it meets applicable lending requirements.
6. Final Approval & Closing – Once all loan conditions are satisfied, final documents are prepared for signing and the loan moves toward funding and closing.
Your Home Loan Advisor and real estate team will keep you informed throughout the process.

Loan options vary based on your needs and qualifications and may include:

Fixed-rate mortgages
Adjustable-rate mortgages (ARMs)
Conventional loans
Jumbo loans
First-time homebuyer programs
Low down payment programs
Purchase and refinance loans
Home equity loans or Home Equity Lines of Credit (HELOCs)

Not every loan program is right for every borrower. A Home Loan Advisor can help you compare your options and select a financing solution that aligns with your homeownership goals. Check out our Home Loan Programs to see what First U.S Community Credit Union offers.

In addition to your down payment, you may have closing costs and prepaid expenses. These can include costs associated with the appraisal, title services, taxes, homeowners insurance, and other services related to the transaction.

Before closing, you’ll receive disclosures outlining the estimated and final costs associated with your loan.

Timing varies depending on the loan program, property, documentation, appraisal or valuation requirements, and complexity of the transaction. Providing requested documents promptly can help keep the process moving.

Home Refinance FAQs

Let’s keep going.

Eco Home Renovation Loans

Create a more comfortable, functional, and sustainable home while helping reduce energy use and lower utility costs over time.

Learn more

Home Equity Loans (HELOC)

Make the most of the equity you’ve built in your home with a HELOC that gives you flexible access to funds for home improvements, unexpected expenses, and more.

Learn more