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Refinance your home
Ready to flip the switch and refinance?

Your home loan payments are probably one of your biggest expenses. Learn how refinancing might help you save money.

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Competitive Rates + Flexible Terms + 1:1 Guidance = The right home loan for you

Rates
Refinance your home with a rate that works best for you
Thank Use Participation Dividends Eligible
TermRatePointsAPR
Refinance: 30-Year Fixed Conventional ^6.000%10.00%6.181%
Refinance: 20-Year Fixed Conventional6.000%0.00%6.241%
Refinance: 15-Year Fixed Conventional ^5.500%0.00%5.742%
Straight Refinance: 15-Year Fixed Mini Mortgage--6.250%2,3
Straight Refinance: 10-Year (or less) Fixed Mini Mortgage--6.125%2,3
Refinance: 10/1 ARM (30-Year Amortization) 6.250%40.00%6.660%
Refinance: 7/1 ARM (30-Year Amortization) 6.125%0.00%6.695%
Refinance: 5/1 ARM (30-Year Amortization) 6.000%0.00%6.731%
Refinance: 10/1 Jumbo* ARM (30-Year Amortization)6.500%50.00%6.708%
Refinance: 7/1 Jumbo* ARM (30-Year Amortization)6.375%0.00%6.708%
Refinance: 5/1 Jumbo* ARM (30-Year Amortization)6.250%0.00%6.719%
Rates are effective as of 09/28/2022. Rates may be as low as quoted rates - other terms and conditions may apply. For other loan amounts, terms, and rates please contact the Dupaco Mortgage Team. All loans are subject to approval. Rates, terms, and conditions are subject to change.
^Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 620 and 95% loan to value (ltv).

1Conventional Refinance payment example for illustrative purposes only: If you borrow $100,000 at 5.927% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $583.57. Over the life of the loan, you will pay $110,086.23 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums.

2Mini-Mortgage Refinance payment examples for illustrative purposes only: If you borrow $50,000 at 6.25% annual percentage rate (APR) with a 15-year term, your minimum monthly payment obligation would be $428.81. Over the life of the loan, you will pay $27,183.91 in interest. If you borrow $50,000 at 6.125% annual percentage rate (APR) with a 10-year term, your minimum monthly payment obligation would be $558.32. Over the life of the loan, you will pay $16,998.40 in interest.

3Mini-Mortgage Rates: Subject to credit qualification. Up to 80% maximum loan to value based on an appraisal. Member is responsible for closing costs, which could be less than $400. Repayment terms of 15-years or less available. The Annual Percentage Rate (APR) varies

410/1 ARM payment example for illustrative purposes only: On a $150,000, 10/1 ARM amortized over 30 years with an initial interest rate of 5% with an APR of 5.611%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 5% interest rate with a payment of $805.23. Year 11 at 7% interest rate with a payment of $946. Year 12 at 9% interest rate with a payment of $1,092. Year 13-20 at 11% interest rate with payment of 1,242. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.

510/1 Jumbo ARM payment example for illustrative purposes only: On a $650,000, 10/1 ARM amortized over 30 years with an initial interest rate of 5.375% with an APR of 5.835%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 5.375% interest rate with a payment of $3,639.81. Year 11 at 7.375% interest rate with a payment of $4,266. Year 12 at 9.375% interest rate with a payment of $4,915. Year 13-20 at 11.375% interest rate with payment of $5,580.

*A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which is currently $647,200 for a single-family home in most states. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.
Homeowners Enjoy Personalized Service

Homeowners enjoy personalized service

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Is It Worth Refinancing Your Home Loan?

Is it worth refinancing your home loan?

Learn the benefits of refinancing and how to decide if it makes sense for you.

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Contact us
Not sure if refinancing is right for you? Let's figure it out together.

Drop us your info below and we’ll be in touch. Need to talk sooner? Just give us a call at 800-373-7600, ext. 204.

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Commonly asked questions

When you refinance your home loan, you’re essentially swapping your current home loan with a new one. You take many of the same steps that you did when you applied for your original loan—except this time, you don’t have to move!

Yes! Dupaco offers a No-Cost loan option for loans over $100k+. Additionally, there are several ways to structure costs related to a loan to help members that may not have the funds to cover closing costs.

If you’re trying to consolidate debt or pay for a larger expense, you might be able to borrow from the equity you’ve built up in your home. (Equity is the part of the house that belongs to you, not your lender).

With a cash-out refinance, you replace your existing home loan with a larger one, and you receive the difference in cash. You get the money in a lump sum, and you can use it toward whatever your goal is—debt consolidation, a home remodel, you name it.

It’s an alternative to a home equity line of credit or a home equity loan. (Learn how these work here.)

TermRatePointsAPR
Refinance: 30-Year Fixed Conventional ^6.000%10.00%6.181%
Refinance: 20-Year Fixed Conventional6.000%0.00%6.241%
Refinance: 15-Year Fixed Conventional ^5.500%0.00%5.742%
Straight Refinance: 15-Year Fixed Mini Mortgage--6.250%2,3
Straight Refinance: 10-Year (or less) Fixed Mini Mortgage--6.125%2,3
Refinance: 10/1 ARM (30-Year Amortization) 6.250%40.00%6.660%
Refinance: 7/1 ARM (30-Year Amortization) 6.125%0.00%6.695%
Refinance: 5/1 ARM (30-Year Amortization) 6.000%0.00%6.731%
Refinance: 10/1 Jumbo* ARM (30-Year Amortization)6.500%50.00%6.708%
Refinance: 7/1 Jumbo* ARM (30-Year Amortization)6.375%0.00%6.708%
Refinance: 5/1 Jumbo* ARM (30-Year Amortization)6.250%0.00%6.719%
Rates are effective as of 09/28/2022. Rates may be as low as quoted rates - other terms and conditions may apply. For other loan amounts, terms, and rates please contact the Dupaco Mortgage Team. All loans are subject to approval. Rates, terms, and conditions are subject to change.
^Rates assume owner occupied - primary and secondary residence only. Rates are based on minimum credit score of 620 and 95% loan to value (ltv).

1Conventional Refinance payment example for illustrative purposes only: If you borrow $100,000 at 5.927% annual percentage rate (APR) with a 30-year term, your minimum monthly payment obligation would be $583.57. Over the life of the loan, you will pay $110,086.23 in interest. Note: Actual payment obligation will be greater. Payment example does not include amounts for taxes and insurance premiums.

2Mini-Mortgage Refinance payment examples for illustrative purposes only: If you borrow $50,000 at 6.25% annual percentage rate (APR) with a 15-year term, your minimum monthly payment obligation would be $428.81. Over the life of the loan, you will pay $27,183.91 in interest. If you borrow $50,000 at 6.125% annual percentage rate (APR) with a 10-year term, your minimum monthly payment obligation would be $558.32. Over the life of the loan, you will pay $16,998.40 in interest.

3Mini-Mortgage Rates: Subject to credit qualification. Up to 80% maximum loan to value based on an appraisal. Member is responsible for closing costs, which could be less than $400. Repayment terms of 15-years or less available. The Annual Percentage Rate (APR) varies

410/1 ARM payment example for illustrative purposes only: On a $150,000, 10/1 ARM amortized over 30 years with an initial interest rate of 5% with an APR of 5.611%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 5% interest rate with a payment of $805.23. Year 11 at 7% interest rate with a payment of $946. Year 12 at 9% interest rate with a payment of $1,092. Year 13-20 at 11% interest rate with payment of 1,242. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.

510/1 Jumbo ARM payment example for illustrative purposes only: On a $650,000, 10/1 ARM amortized over 30 years with an initial interest rate of 5.375% with an APR of 5.835%, after fixed-period of 10 years, the rate may increase annually; individual adjustments are capped at 2% every 12 months, and can never increase by more than the lifetime cap of 6%. A payment example would be as follows based on a fully capped interest rate over the life of the loan. Please note insurance and taxes are not included in the payment example: Years 1-10 at 5.375% interest rate with a payment of $3,639.81. Year 11 at 7.375% interest rate with a payment of $4,266. Year 12 at 9.375% interest rate with a payment of $4,915. Year 13-20 at 11.375% interest rate with payment of $5,580.

*A loan is considered jumbo if the amount of the mortgage exceeds loan-servicing limits set by Fannie Mae and Freddie Mac which is currently $647,200 for a single-family home in most states. The monthly payment may change when the interest rate on an adjustable rate mortgage is reset. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase. The APR and payment may increase after the loan consummation. Insurance and taxes are not included in the payment example.

The interest rate is the rate of interest charged on a home loan and can be fixed or variable, depending on which loan you choose. The APR is a measure of the cost to you for borrowing money. The APR includes your interest rate, points, fees, and other charges associated with your loan—that’s why it’s usually higher than your interest rate.

Apply to refinance your home using our simple online application. Once you submit it, we’ll set things in motion. Then we’ll be in touch soon about your application’s status and progress.

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