mortgage refinance

Stay in your home and get into a better mortgage.

Whether you're looking to lower your monthly payment, pay off your mortgage faster, or get cash out, we can help.

Why refinance with DuPage Credit Union?

Competitive rates

Competitive rates

Low mortgage rates with exclusive promotions for members.

Home loan options

We're #1 in mortgages

We're proud to be the #1 credit union mortgage lender.1skip to disclosure

Local experts

Help when you need it

Our residential lending specialists will guide you through the process step-by-step.

What do you want out of your refinance?

Low down payment

Lower my monthly payment.

Are rates lower now then when you bought your home? See how much you may be able to save on your monthly payment with our mortgage refinance calculator.

  • More money in your pocket
  • May remove PMI if an appraisal determines that your home is now worth more and the LTV is less than 80%2skip to disclosure
No minimum balance

Pay off my loan faster.

Refinance your mortgage to a shorter term to pay off your home faster. 

  • Own your home outright faster
  • Lower the total interest you pay over time

Get cash out.

Replaces your existing mortgage with a new one for a larger amount. The difference goes to you in tax-free cash to spend on anything you choose.

  • Use the equity you already have in your home to get a low rate
  • A popular option for making home improvements or paying off debt
  • We lend up to 80% LTV3skip to disclosure

We repay your loyalty.

If you already have a HELOC with us and you refinance your first mortgage from another lender, we'll waive the HELOC annual fee and the one-time subordination fee, saving you hundreds.*skip to disclosure


Let's talk about your needs.

Call 800-323-2611 to talk to a Residential Lending Specialist, and let us help you determine if a mortgage refinance is right for you.

Women business meeting

"Refi smooth as butter.
The process was smooth and the lending specialist kept me informed and the web process was simple for me."

- Jill

  • Effective for new mortgages opened after 8/1/2020, members that open a Home Equity LOC with a new first mortgage will qualify for the annual fee to be waived each year as long as first mortgage remains open with DuPage Credit Union. Must be a member in good standing. Offer subject to change at anytime. Other restrictions may apply. Only available on mortgages serviced by DuPage Credit Union

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  • DuPage Credit Union ranked the number one credit union mortgage lender in DuPage and Kane Counties according to the 2013 – 2021 HMDA data (Home Mortgage Disclosure Act). 2022 HMDA data not yet published.

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  • PMI will drop automatically at 78% LTV, but may be requested in writing once your loan hits 80% LTV from the original value.

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  • Must have a Credit Union membership established and be in good standing. Rate, points, and Annual Percentage Rate (‘APR’) may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Maximum loan to value varies based on multiple factors, including but not limit to loan type, property type and occupancy type.

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