mortgage refinance

Now is the time to refinance your mortgage.

Refinance your mortgage while rates are at historic lows.

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 for 6 years running.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
  • We lend up to 95% LTV3skip to disclosureLTV=Loan-to-value and is a ratio of how much you owe on your mortgage loan balance divided by the value of your home. For example, if your home is valued at $100,000 and your current mortgage is $90,000, your LTV is 90%.
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
  • We lend up to 95% LTV3skip to disclosure

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.

Talk to a Residential Lending Specialist today 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.

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  • DuPage Credit Union ranked the number one credit union mortgage lender in DuPage, Kane and Kendall Counties according to the 2013 – 2019 HMDA data (Home Mortgage Disclosure Act); Will and Lake Counties according to the 2019 HMDA data. 2020 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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  • Homeowners insurance required. Single-Family homes only in Illinois. Does not include 2-4 flat or apartment complex financing. Max Loan to Value (LTV) is 85% for Purchase, 75% Refinance or Cash-out Refinance for up to four properties. Other restrictions apply to more than four financed properties. Consult a tax adviser regarding deductibility of interest. Must be a Member in good standing. Other restrictions may apply.

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