mortgage refinance
Stay in your home and move 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
Low mortgage rates with an easy online application.
In-house Mortgage Experts
Our residential lending specialists will guide you through the process step-by-step.
What do you want out of your refinance?
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
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
Have a HELOC with us?
If 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
What our members are saying
“
The refinance process went smoothly, and [they] treated my wife and I like we were their only clients!
Ken D
“
The process was extremely smooth! It was such a quick and easy process compared to any other past experience we've had with big named banks.
Lisa S
“
Customer service is beyond expectations. The ease of the refinance made the entire process seamless and stress free.
Kevin H
See how much you could save with a mortgage refinance.
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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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The rate lock period is 60 days.
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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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