SELCO branches and contact centers will be closed Saturday, July 4 in observance of Independence Day. Account access and support will still be available through digital banking and our virtual phone assistant.

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Refinance Your Home

Looking to take advantage of low rates, pay off your home more quickly, or for lower monthly payments? Maybe it's a cash-out refinance you're after? Whatever your refi goals, our experts will be there for every step (helping you save on fees, closing costs, and time along the way).

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We’ll save you more

Whether it's your first home, forever home, or something in between, our experts are ready to help.

  • Get the best possible rate.
  • Save on closing costs.
  • No origination, processing, or credit report fees.
Meet our Loan Officers
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Right time to refi?

Refinancing can be an invaluable tool, whether you're looking for a better rate or to consolidate high-interest debt. Our loan experts are ready to partner with you to decide if the time is right based on your short- and long-term goals.

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Mortgage Rates

Rate APR
15 Year Fixed (Conforming) Rate6.000 % APR6.107 %
30 Year Fixed Conventional Rate6.625 % APR6.659 %
30 Year FHA Rate5.750 % APR6.509 %
30 Year VA Rate5.875 % APR5.987 %
30 Year USDA Rural Home Purchase Rate5.875 % APR6.234 %
30 Year Conventional Manufactured Home (no homes on rented land) Rate6.875 % APR6.987 %
30 Year FHA Manufactured Home (no homes on rented land) Rate5.875 % APR6.712 %
30 Year VA Manufactured Home (no homes on rented land) Rate6.125 % APR6.407 %

Lowest annual percentage rates shown. APR is based on individual credit qualifications and may be higher.

15 year home loan payment example: On a loan for $275,000 at 3.504% APR for 180 months (15 years), borrower would make 180 payments of $1,966.47.

30 year home loan payment example: On a loan for $275,000 at 3.684% APR for 360 months (30 years), borrower would make 360  payments of $1,263.29.

 SELCO is highly consumer oriented, with a professional and friendly staff. Our Loan Officer, Tim Booher, is experienced, hard-working, and has been extremely helpful in our home purchase and subsequent refinance. He is the best we have ever worked with. 
— Edward S., SELCO member since 2023

Resources

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Looking to Consolidate Debt? Try a HELOC.

Burdened by high-interest credit cards? A home equity line of credit can be a great way to consolidate debt and minimize monthly payments.

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One-Stop Financial Shopping

SELCO is a financial hub where you can see your full financial picture and have experts from across multiple departments help you reach all your goals.

Priced Out of An Upgrade? Elevated Home Values Mean You Have Options

As home values continue to rise, new options may arise if you feel priced out of an upgrade, including refinancing, remodeling, or using home equity.

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Demystifying Mortgage Terms, Part II

Breaking down mortgage terminology, including PMI, escrow, conventional vs. FHA loans and other key terms homebuyers should know.