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Mortgage Refinance

Woman refinancing her home
Mortgage Refinance

Get some breathing room. Refresh, reset, refinance.

Mortgage refinancing may help reduce your monthly payments, give you a shorter payoff term, and save you money over the life of the loan.


Lower payment or interest rate on existing mortgage


Shorten loan term and get to a faster payoff

Cash out

Get more loan and access to cash at closing

Why get a mortgage refinance with Civic?

Your unique needs and situation will determine if refinancing your mortgage now is right for you. Whether you want to lower your payments, reduce interest, or pay it off faster, we welcome you to apply and bring your mortgage from another financial institution for refinancing.

Apply to get access to the equity in your home with a cash-out refinance. This is a larger loan for more than you owe on your house, with the difference paid in cash to you at closing. 

Here is a quick look at how to refinance your mortgage with Civic.

Young expecting family lowers there mortgage payment

  • Single-family primary homes: up to 97% in financing 
  • Second homes: up to 90% in financing 
  • Cash-out refinance: up to 80% in financing

  • The terms of your loan will vary depending on the type of loan you choose and the rate at the time of closing 
  • Maximum financing determined by the home's sale price or appraised value
Happy family standing in the driveway of their home

  • Lower your interest rate and monthly mortgage payment 
  • Save more money over the life of your mortgage loan 
  • Get cash for home improvements or other needs
Mature man smiling after refinancing home

Refinance calculators

Run the numbers to know when the time is right to refinance. Our refinance mortgage calculators help you make the best choice.

Tap into your home equity to help pay for a range of large expenses. Pay for home improvement projects, consolidate debt, or use the money for personal expenses with a Home Equity Line of Credit (HELOC).


With a Home Equity Line of Credit you can:

  • Borrow from $5,000 to $250,000
  • Get 15-year draw period with no pre-payment penalties
  • Get advances anytime in-app or online
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Home loans that get you moving

Mortgage loans

Let’s get you settled. Check out our mortgage options and find the loan that works for you.

Adjustable-Rate Mortgage

A home loan that adjusts your rate after a period of either 5 or 10 years, depending on which you choose.

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Fixed-Rate Mortgage

Predictable, stable payments for the entire term of your loan let you settle in with peace of mind.

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Visit the Mortgage Center

We’ve partnered with Credit Union Mortgage Association (CUMA) to provide you with personal guidance and a streamlined homebuying process. From today’s mortgage rates to everything you need to prequalify and apply, the Mortgage Center is your go-to for all things home.

For the best member experience, use the Mortgage Center with a computer.

You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

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All mortgage loans are subject to approval and to credit union underwriting standards. Loan product, availability and terms are subject to change.