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REFINANCING YOUR MORTGAGE
Refinance Your Home Loan & Save Big
Refinancing your home loan1 could help lower your mortgage payments, get a lower interest rate and shorten the term of your home loan. Start saving today!
Save up to $3,500 on Closing Costs
September 15–October 2
Our home loan professionals can help you save up to $3,500 on closing costs1 for a new home or resale. Plus, you can lock in your rate for up to 90 days and even qualify for additional home-purchase assistance programs.2 Get prequalified today and start looking for the home that works for you! But hurry — this sale ends October 2!
We’re Here to Answer Your Mortgage Refinancing Questions
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How can I apply to refinance my current home loan?You can apply online to refinance your home loan, by calling us toll-free at 1.800.772.4328 or by visiting any GECU location.
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What documents do I need to provide to refinance my mortgage?
For your home loan application, we will review your two-year employment and housing history, along with a review of your assets. As every situation is unique, required documentation may vary. Below is a list of documents that you may need throughout the process.
- Two most-recent W-2s
- Two most-recent Federal Tax Returns
- Pay stubs for the last 30 days
- Two current, valid forms of identification (e.g., driver’s license, state-issued ID, Social Security card)
- Most-recent bank statements for the last two months
- Proof of any other income (Social Security, retirement, etc.)
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Are there any fees associated with refinancing my home loan?A mortgage refinance generally requires the typical closing costs associated with a real estate transaction. These costs may include title insurance, lender fees, attorney fees, appraisal, taxes and more, and may generally be financed into the loan.
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I have a 30-year mortgage. Am I able to refinance it to a 15-year mortgage?Everyone’s situation is different. Contact us today toll-free at 1.800.772.4328 to speak with a home loan professional.
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What is refinancing?Refinancing is when you reapply for a loan that you currently have to revise the current terms of the loan.
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When should I refinance my mortgage?There are a lot of factors to consider when choosing the best time to refinance your home loan. Contact us today toll-free at 1.800.772.4328, and speak with a home loan professional to see what your options are.