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!

Home Refinance
Closing Cost q3 Image

Save up to $3,500 on Closing Costs

April 5–22

Our home loan professionals can help you save up to $3,500 on closing costs* 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.** Get prequalified today and start looking for the home that works for you! But hurry — this sale ends April 22!
We’re Here to Answer Your Mortgage Refinancing Questions
  • 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.
  • 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.)
  • 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.
  • 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.
  • What is refinancing?
    Refinancing is when you reapply for a loan that you currently have to revise the current terms of the loan.
  • 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.
Membership eligibility is required.
1All loans are subject to credit qualification and approval. The property must be located in Texas or New Mexico. Certain fees and conditions apply.
*All loans are subject to credit qualification and approval. The property must be located in Texas or New Mexico. Certain fees and conditions apply. Offer applies to purchase or refinance of primary and investment properties only. The offer of up to $3,500 covers the following fees: origination, underwriting, processing and document-preparation fees. Applicants must apply by April 22, 2024, and must close on their loan within 12 months from the date of application on existing 1–4-family dwellings or on new construction of single-family homes.
**Assistance programs are made available through third-party entities, and are subject to qualification, income criteria, home-purchase price, and property location. Other conditions apply.
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