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Refinance a Home

Improve your cash flow your way.

Today's Rates

Refinance Your Home

Our experienced and patient Mortgage Loan Consultants will help you find the solution that’s right for you. We will be your advocate and partner through every step of the process.

  • Fixed and adjustable rates and term lengths
  • Mortgages for second homes, condos and investment properties
  • Local underwriting and processing
  • Special solutions for first-time home buyers

Types of Refinance Loans1

Expand features to compare products
  Conforming High Balance Jumbo
Loan amounts Up to $647,200 $647,201 - $970,800 Above $970,800
Fixed rate terms 30, 20, 15 & 10 years 30 & 15 years Yes
Adjustable rate terms Yes Yes 5/5, 5/6, 7/6 & 10/6
Federal Housing Authority (FHA) loan 30 year fixed  30 year fixed Does Not Apply

Home Insurance2

Your home is probably your biggest single investment. Make sure it’s protected from natural disasters, accidents, and even normal wear-and-tear.

  • Single family home, condo, or townhouse
  • Second home or investment property
  • Earthquake and flood
  • Home warranty

*APR = Annual Percentage Rate is variable and subject to change. This is Kinecta’s most recent published rate.

Kinecta mortgage loans are offered under Nationwide Multistate Licensing System (NMLS) #407870. Equal Housing Lender.

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs.

1Mortgage loans. Subject to credit approval. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. Full income and asset documentation are required. Loans are secured by a lien against the property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product and by State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose. Kinecta mortgage loans may not be available in all areas.

2Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.