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Refinance and Take Control Of Your Mortgage

If you're looking to lower your interest rate or shorten your loan term, or maybe need cash for home improvements, refinancing gives you options so you can decide how—and where—to spend your money. Our experts are on hand to guide you through the process and answer all your questions along the way.

What can refinancing do for you?

Refinancing may be right for you if you're trying to:

  • Lower your interest rate
  • Shorten the life of the loan
  • Pay for home renovations
  • Pay down extra debt
  • Pay for college tuition

Two Great Options - Pick the Best One for You

Don’t settle with having your money locked into your existing mortgage, take control with the refinance option that works best for you.

Cash-Out Refinance

In need of cash upfront? A Cash-Out Refinance lets you take out a portion of your home equity as a lump sum - without the need to sell your home. When making your decision, take into account that the cash taken out may cost you more interest over the life of the new loan.

Home Equity Lines of Credit

Prefer having access to cash when you need it? A Home Equity Line of Credit (HELOC) is a variable rate home equity loan where you can obtain funds when you need them, then pay down the balance and use them all over again. It’s like a credit card, but using the equity you’ve built in your home.

Learn More

 

Still have questions? We're here to help. Use our free calculators or reach out to our mortgage experts by calling 888.493.4328 ext. 6850 or emailing homeloansales@gucu.org.

Ready to get started?

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Every interaction I had with associates has been very positive for years!!! Never been disappointed. My recent home loan closing experience was perfect. The seller commented on how professional and on point the loan staff were.
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Buying my first house and using the credit union was the best decision I made. They treated me well and showed how much they care.
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In the early '70s, the credit union extended to me – a single woman under 30 – a mortgage that allowed me to buy a rundown house in the City of Decatur. That house is long paid for and worth a lot more in this rejuvenated town. Back in those days, no other financial institution would consider helping. I will always be grateful!
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Georgia United Credit Union values all their customers. I got help with establishing credit when I had none because I always paid with cash. They help me get a credit card and told me all the ways I could establish good credit. I now have a credit score of 760, own a home and have no debt except the mortgage.
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All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. All loans are subject to pricing adjustments based on the borrower’s credit worthiness and loan-to-value.

 

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