Mortgage Refinance. Make Payments Work For You.

Financial situations change, and your mortgage can change, too. If your mortgage is no longer working for you, we're here to help.

JoAnn, a Minnesota resident, in front of a home with solar panels.
JoAnn, Minnesota Resident

why Refinance?

There are many reasons for refinancing. We'll listen to your goals and discuss options with you, so you get the refinance that fits your financial needs.

Lower Your Payments

A lower interest rate could improve your cash flow with a lower monthly payment.

Lock in a Rate

Move from an adjustable-rate to a fixed-rate loan, so you have predictable monthly payments. No more surprises.

Pay It Off Faster

Refinance to a shorter term, and you'll be mortgage-free sooner. You'll pay less in interest over the life of your loan, too.

Get Cash Out

Leverage your equity for cash at closing, and pay off higher-interest debt or other expenses.

Your Refinance Options

Traditional Refinance

If your goal is to get a lower rate, a shorter term, or make your monthly payments more manageable, then this is a good lower-cost option.

  • Change the rate and/or term of your mortgage. Or change from an ARM to fixed-rate, or vice versa.
  • The mortgage principal amount doesn't change.

Cash-Out Refinance

If your goal is to use the equity in your home and get cash at closing, then a cash-out refinance might be right for you.

  • Replace your existing mortgage with a new, higher-balance loan. The difference is the cash-out amount.
  • Borrow up to 80% of your home's value to maximize the cash-out amount you can access.

Getting Started is Easy

Get Started

Apply online to start the approval process. A mortgage loan officer will reach out to complete the application process.

Returning Applicants

Return to an application you've already started, securely upload documents, and check the status of your application.

We're here to help.

You can connect with a mortgage loan expert for questions you have about our home loans.

Home Equity Alternatives

A Home Equity loan may be a good alternative to a cash-out refinance. You can leverage the equity in your home to get extra cash to finance project or just about anything.

Jake, a Minnesota resident, on a purple background
Jake, Affinity Plus Resident


Closing costs will apply. Homeowner's insurance is required on the property securing the loan. New or existing Affinity Plus membership is required. All loans are subject to approval.