{"id":983,"date":"2022-09-12T14:43:44","date_gmt":"2022-09-12T20:43:44","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=983"},"modified":"2026-01-29T15:51:56","modified_gmt":"2026-01-29T22:51:56","slug":"refinance","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/loans\/home-loans\/refinance\/","title":{"rendered":"Home Refinance"},"content":{"rendered":"<div id=\"navbar\" class=\"m-navbar \">\n    <ul>\n                    <li>\n                <a href=\"#benefits\">Benefits<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#products\">Products<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#calculator\">Calculator<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#rates\">Rates<\/a>\n            <\/li>\n                    <li>\n                <a href=\"#contact\">Contact<\/a>\n            <\/li>\n            <\/ul>\n<\/div>\n<div id=\"navbar-spacer\"><\/div>\n\n\n<section id=\"benefits\" class=\"o-benefits is-style-green-130-with-stripes\">\n    <div class=\"o-benefits__inner\">\n        <h2 class=\"o-benefits__heading\">When you refinance with ICCU, the benefits go on and on.<\/h2>\n        <div class=\"o-benefits__benefit-cards\">\n            <ul class=\"o-benefits__benefit-card-grid\">\n                                    <li class=\"o-benefits__benefit-card-grid-item\">\n                        <div class=\"m-benefit-card\">\n                            <span class=\"m-benefit-card__icon\"><i class=\"fa-regular fa-laptop-mobile\"><\/i><\/span>\n                            <h3 class=\"m-benefit-card__heading\">Local Underwriting &#038; Servicing<\/h3>\n                            <p class=\"m-benefit-card__description\">We know our markets.<\/p>\n                        <\/div>\n                    <\/li>\n                                    <li class=\"o-benefits__benefit-card-grid-item\">\n                        <div class=\"m-benefit-card\">\n                            <span class=\"m-benefit-card__icon\"><i class=\"fa-solid fa-money-bill-wave\"><\/i><\/span>\n                            <h3 class=\"m-benefit-card__heading\">Little to No Fees<\/h3>\n                            <p class=\"m-benefit-card__description\">Let&#8217;s save you money!<\/p>\n                        <\/div>\n                    <\/li>\n                                    <li class=\"o-benefits__benefit-card-grid-item\">\n                        <div class=\"m-benefit-card\">\n                            <span class=\"m-benefit-card__icon\"><i class=\"fa-regular fa-gauge-high\"><\/i><\/span>\n                            <h3 class=\"m-benefit-card__heading\">Fast Approvals<\/h3>\n                            <p class=\"m-benefit-card__description\">Your time is precious.<\/p>\n                        <\/div>\n                    <\/li>\n                                    <li class=\"o-benefits__benefit-card-grid-item\">\n                        <div class=\"m-benefit-card\">\n                            <span class=\"m-benefit-card__icon\"><i class=\"fa-regular fa-money-simple-from-bracket\"><\/i><\/span>\n                            <h3 class=\"m-benefit-card__heading\">Extended Rate Lock<\/h3>\n                            <p class=\"m-benefit-card__description\">We offer 90 to 360 day options.<\/p>\n                        <\/div>\n                    <\/li>\n                                    <li class=\"o-benefits__benefit-card-grid-item\">\n                        <div class=\"m-benefit-card\">\n                            <span class=\"m-benefit-card__icon\"><i class=\"fa-regular fa-money-bill-transfer\"><\/i><\/span>\n                            <h3 class=\"m-benefit-card__heading\">Fast Closings<\/h3>\n                            <p class=\"m-benefit-card__description\">Most loans close within 30 days!<\/p>\n                        <\/div>\n                    <\/li>\n                                    <li class=\"o-benefits__benefit-card-grid-item\">\n                        <div class=\"m-benefit-card\">\n                            <span class=\"m-benefit-card__icon\"><i class=\"fa-regular fa-shield-check\"><\/i><\/span>\n                            <h3 class=\"m-benefit-card__heading\">Professional Service<\/h3>\n                            <p class=\"m-benefit-card__description\">We&#8217;ll guide you from start to finish.<\/p>\n                        <\/div>\n                    <\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"products\" class=\"o-programs \">\n            <section class=\"o-programs__intro\">\n            <h2 class=\"o-programs__intro-heading\">If You\u2019re Looking to Refinance, We Have Options!<\/h2>\n                            <p class=\"o-programs__intro-description\">Whether you&#8217;re looking for no fees or simply more flexibility, ICCU has something to fit every need.<\/p>\n                    <\/section>\n    \n            <section  class=\"o-programs__group\">\n            <div class=\"o-programs__group-inner\">\n                                    <span class=\"o-programs__top o-programs__top--flex justify-content-flex-end\">\n                                                                                                                                    <span>\n                                    <a class=\"o-programs__cta-link a-button a-button--primary\" href=\"https:\/\/apply.iccu.com\/#\/sso-start\" target=\"\">Apply Now <i class=\"fa-regular fa-arrow-right\"><\/i><\/a>\n                                <\/span>\n                                                    \n                    <\/span>\n                                <ul class=\"o-programs__grid\">\n                                            <li class=\"o-programs__grid-item\">\n                                                            <article class=\"m-program-card\">\n    <a class=\"m-program-card__inner\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/freedom-mortgage\/\">\n        <div class=\"m-program-card__main-content\">\n            <div class=\"m-program-card__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"115\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/12\/Freedom_Hero-285x115.webp\" class=\"attachment-program-card size-program-card wp-post-image\" alt=\"Dad with Daughter sitting on his shoulders smiling\" \/>\n                            <\/div>\n            <div class=\"m-program-card__text\">\n                <h4 class=\"m-program-card__heading\">Freedom Mortgage<\/h4>\n                                    <div class=\"m-program-card__description-box\">\n                        <p class=\"m-program-card__best-if\">\n                            <span class=\"m-program-card__icon\"><i class=\"fa-light fa-star-sharp\"><\/i><\/span> Best if:\n                        <\/p>\n                        <p class=\"m-program-card__description\">You are looking to refinance your home into a shorter term with no fees.<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"m-program-card__details\">\n            <span class=\"m-program-card__link a-link a-link--alt\"><span>Product Details<span><\/span>\n        <\/div>\n    <\/a>\n<\/article>\n                                                    <\/li>\n                                            <li class=\"o-programs__grid-item\">\n                                                            <article class=\"m-program-card\">\n    <a class=\"m-program-card__inner\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/fixed-rate-home-loans\/\">\n        <div class=\"m-program-card__main-content\">\n            <div class=\"m-program-card__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"115\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/Conventional_Hero-285x115.webp\" class=\"attachment-program-card size-program-card wp-post-image\" alt=\"A family baking dinner together\" \/>\n                            <\/div>\n            <div class=\"m-program-card__text\">\n                <h4 class=\"m-program-card__heading\">Fixed-Rate Home Loans<\/h4>\n                                    <div class=\"m-program-card__description-box\">\n                        <p class=\"m-program-card__best-if\">\n                            <span class=\"m-program-card__icon\"><i class=\"fa-light fa-star-sharp\"><\/i><\/span> Best if:\n                        <\/p>\n                        <p class=\"m-program-card__description\">You want a stable monthly payment for the long term.<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"m-program-card__details\">\n            <span class=\"m-program-card__link a-link a-link--alt\"><span>Product Details<span><\/span>\n        <\/div>\n    <\/a>\n<\/article>\n                                                    <\/li>\n                                            <li class=\"o-programs__grid-item\">\n                                                            <article class=\"m-program-card\">\n    <a class=\"m-program-card__inner\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/biweekly-home-loans\/\">\n        <div class=\"m-program-card__main-content\">\n            <div class=\"m-program-card__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"115\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/12\/Biweekly_Hero-285x115.webp\" class=\"attachment-program-card size-program-card wp-post-image\" alt=\"Family sitting on their front porch\" \/>\n                            <\/div>\n            <div class=\"m-program-card__text\">\n                <h4 class=\"m-program-card__heading\">Biweekly Home Loans<\/h4>\n                                    <div class=\"m-program-card__description-box\">\n                        <p class=\"m-program-card__best-if\">\n                            <span class=\"m-program-card__icon\"><i class=\"fa-light fa-star-sharp\"><\/i><\/span> Best if:\n                        <\/p>\n                        <p class=\"m-program-card__description\">You want to refinance your home for a more flexible payment schedule.<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"m-program-card__details\">\n            <span class=\"m-program-card__link a-link a-link--alt\"><span>Product Details<span><\/span>\n        <\/div>\n    <\/a>\n<\/article>\n                                                    <\/li>\n                                            <li class=\"o-programs__grid-item\">\n                                                            <article class=\"m-program-card\">\n    <a class=\"m-program-card__inner\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/adjustable-rate-mortgage\/\">\n        <div class=\"m-program-card__main-content\">\n            <div class=\"m-program-card__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"115\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/11\/ARM_Hero-285x115.webp\" class=\"attachment-program-card size-program-card wp-post-image\" alt=\"Mother letting toddler play on piano\" \/>\n                            <\/div>\n            <div class=\"m-program-card__text\">\n                <h4 class=\"m-program-card__heading\">Adjustable-Rate Mortgages<\/h4>\n                                    <div class=\"m-program-card__description-box\">\n                        <p class=\"m-program-card__best-if\">\n                            <span class=\"m-program-card__icon\"><i class=\"fa-light fa-star-sharp\"><\/i><\/span> Best if:\n                        <\/p>\n                        <p class=\"m-program-card__description\">You plan to move or pay off your loan in a short amount of time.<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"m-program-card__details\">\n            <span class=\"m-program-card__link a-link a-link--alt\"><span>Product Details<span><\/span>\n        <\/div>\n    <\/a>\n<\/article>\n                                                    <\/li>\n                                            <li class=\"o-programs__grid-item\">\n                                                            <article class=\"m-program-card\">\n    <a class=\"m-program-card__inner\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/jumbo-mortgage\/\">\n        <div class=\"m-program-card__main-content\">\n            <div class=\"m-program-card__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"115\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/12\/Jumbo_Hero-285x115.webp\" class=\"attachment-program-card size-program-card wp-post-image\" alt=\"beautiful house in summer\" \/>\n                            <\/div>\n            <div class=\"m-program-card__text\">\n                <h4 class=\"m-program-card__heading\">Jumbo Mortgage Loans<\/h4>\n                                    <div class=\"m-program-card__description-box\">\n                        <p class=\"m-program-card__best-if\">\n                            <span class=\"m-program-card__icon\"><i class=\"fa-light fa-star-sharp\"><\/i><\/span> Best if:\n                        <\/p>\n                        <p class=\"m-program-card__description\">You are purchasing or refinancing a home with a larger price tag.<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"m-program-card__details\">\n            <span class=\"m-program-card__link a-link a-link--alt\"><span>Product Details<span><\/span>\n        <\/div>\n    <\/a>\n<\/article>\n                                                    <\/li>\n                                            <li class=\"o-programs__grid-item\">\n                                                            <article class=\"m-program-card\">\n    <a class=\"m-program-card__inner\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/fha\/\">\n        <div class=\"m-program-card__main-content\">\n            <div class=\"m-program-card__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"115\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/12\/Federal-Housing-Administration_Hero-285x115.webp\" class=\"attachment-program-card size-program-card wp-post-image\" alt=\"Modern starter home\" \/>\n                            <\/div>\n            <div class=\"m-program-card__text\">\n                <h4 class=\"m-program-card__heading\">FHA Home Loans<\/h4>\n                                    <div class=\"m-program-card__description-box\">\n                        <p class=\"m-program-card__best-if\">\n                            <span class=\"m-program-card__icon\"><i class=\"fa-light fa-star-sharp\"><\/i><\/span> Best if:\n                        <\/p>\n                        <p class=\"m-program-card__description\">You are looking to purchase or refinance a home with flexible options.<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"m-program-card__details\">\n            <span class=\"m-program-card__link a-link a-link--alt\"><span>Product Details<span><\/span>\n        <\/div>\n    <\/a>\n<\/article>\n                                                    <\/li>\n                                            <li class=\"o-programs__grid-item\">\n                                                            <article class=\"m-program-card\">\n    <a class=\"m-program-card__inner\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/va\/\">\n        <div class=\"m-program-card__main-content\">\n            <div class=\"m-program-card__image\">\n                                    <img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"115\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2022\/12\/Veteran-Affairs_Hero-285x115.webp\" class=\"attachment-program-card size-program-card wp-post-image\" alt=\"House with an American Flag hanging outside\" \/>\n                            <\/div>\n            <div class=\"m-program-card__text\">\n                <h4 class=\"m-program-card__heading\">VA Home Loans<\/h4>\n                                    <div class=\"m-program-card__description-box\">\n                        <p class=\"m-program-card__best-if\">\n                            <span class=\"m-program-card__icon\"><i class=\"fa-light fa-star-sharp\"><\/i><\/span> Best if:\n                        <\/p>\n                        <p class=\"m-program-card__description\">You are a qualified military member and purchasing or refinancing a home.<\/p>\n                    <\/div>\n                            <\/div>\n        <\/div>\n        <div class=\"m-program-card__details\">\n            <span class=\"m-program-card__link a-link a-link--alt\"><span>Product Details<span><\/span>\n        <\/div>\n    <\/a>\n<\/article>\n                                                    <\/li>\n                                    <\/ul>\n            <\/div>\n\n                    <\/section>\n    <\/section>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\" id=\"calculator\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color has-link-color wp-elements-1b344f0067d3b5cf89f7a2d1694b8f3f\">Home Refinance Calculator<\/h2>\n\n\n\n<p class=\"has-text-align-left\">How much could you save by refinancing your mortgage? Use this calculator to figure out how much you could reduce your monthly and total loan payments if you refinance your mortgage.<\/p>\n\n\n\n<div class='chimney_calc' data-guid='5c56b51f-8097-400d-89b7-b419f6a07ef9'><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-dark-green-background-color has-background\" id=\"rates\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-left has-white-color has-text-color\" id=\"h-personalized-rate-quote\">Personalized Rate Quote<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-white-color has-text-color has-lg-font-size\">Tailored to your unique circumstances, our personalized mortgage rate quote tool asks you a few questions about your current financial situation. Based on your answers you will be given a list of rates that fit your needs. Get your personalized mortgage rate today.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-inverted\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quickquote-consumer.optimalblue.com\/?mobile=true&amp;clientId=3833383237&amp;userId=363937373638&amp;formId=33333431&amp;embedded=false\" target=\"_blank\" rel=\"noreferrer noopener\"> Get My Personalized Rate Quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\" id=\"contact\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-contact-a-loan-officer\">Contact a Loan Officer<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Not sure which loan is right for you? No problem! Our Home Loan Officers will help you determine which loan best fits your needs. Plus, they\u2019ll help you through every step of the loan process.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/mortgage-loan-officers\/\">Contact a Loan Officer<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"410\" height=\"313\" src=\"http:\/\/www.iccu.com\/wp-content\/uploads\/2023\/02\/Private-Client_Body-Image.webp\" alt=\"\" class=\"wp-image-5468\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Home Refinance Calculator How much could you save by refinancing your mortgage? Use this calculator to figure out how much [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3726,"parent":665,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"product-family-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-983","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Home Refinance - ICCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/loans\/home-loans\/refinance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Refinance\" \/>\n<meta property=\"og:description\" content=\"Home Refinance Calculator How much could you save by refinancing your mortgage? 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