Home Loan Refinance 

Take advantage of low-rate home refinancing with Partners Financial FCU.

Home Loan Refinance Rates

Partners Financial FCU offers competitive rates on home loan refinancing. We encourage you to reach out to us for a personalized loan offer. Take a look at our current interest rates. Qualifications apply. 

Term Rate APR Next Steps
10 Year Fixed 2.500% 2.645% Apply Now
15 Year Fixed 2.500% 2.599% Apply Now
20 Year Fixed 2.875% 2.954% Apply Now
30 Year Fixed 3.000% 3.056% Apply Now

*APR = Annual Percentage Rate. Rates listed above for credit scores 740 and higher. Rates listed are for a minimum loan amount of $100,000 and maximum loan amount of $548,250.  Minimum credit score to qualify is 670. Maximum Loan-To-Value 80%. Limited time offer subject to end at any time without notice.  Available only for primary residences in VA and NC. Contact one of our mortgage specialists for a personalized rate and closing cost estimate. 

NMLS #460266

If you’ve been thinking about the benefits of a lower monthly payment or cashing out equity to use for a home improvement project, let us guide you. Our team makes refinancing as straightforward of a process as possible. We invite you to discover how a mortgage refinance can work for you.

There are many benefits to refinancing, including: 

  • Low-interest rates
  • Reducing your monthly loan payment
  • Saving money on the cost of buying your home
  • Consolidating debt

Apply Now

Home Loan Refinance Calculator

Our interactive home loan refinance calculator allows you to see several potential loan offers and terms. Calculate your monthly payment below and see the potential savings you’re missing out on. 


Get a personalized rate. Call or apply today. 

Mortgage Refinancing Frequently Asked Questions

Is refinancing my home loan the right move?

It can be. Interest rates continue to remain below average, making it possible for many people to secure a lower interest rate on their loan. If you’re uncertain this will benefit you, get a no-obligation quote so you know what to expect.

Does refinancing a home loan hurt my credit?

In most cases, the answer is no. Oftentimes, by refinancing your loan, you could have a lower monthly payment. That may mean it’s easier for you to get caught up on other debts. 

Is home loan refinancing better than using a home equity loan?

Refinancing your home loan means you’ll still just have one loan to repay each month. If you have equity built in your home, you may be able to use a home equity loan. Our team will compare the options for you.

What are the benefits of refinancing a home loan?

Many factors could apply to you. Some people like a lower monthly payment. Others want to pay off their home sooner. Let’s talk about the options.

Member Testimonials

“I love banking with Partners Financial Credit Union. I’ve been a member since 1990, they offer excellent rates on credit cards and loans.” –Katerina M.

“Friendly staff! Easy to work with and always willing to go the extra mile to help you.” – Will D.

Home Loan Refinancing Made Easy!

Unsure if you qualify for a mortgage refinance? Perhaps you’re just not sure it is the right step. Don’t worry. We are here to help you.

At Partners Financial FCU, we’re dedicated to making refinancing your home loan as simple as possible. We’ll give you all of the information, provide the best offer, and then answer any of your questions. There’s no pressure – just opportunity here.

If you can’t find what you’re looking for, reach out to us right now. 

Contact Us 

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).