All SELCO branches will be closed Tuesday, July 4 in observance of Independence Day. Account access will still be available through digital banking. 

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 Rate6.500 % APR6.678 %
30 Year Fixed Conventional Rate7.000 % APR7.186 %
30 Year FHA Rate6.250 % APR7.116 %
30 Year VA Rate6.500 % APR6.821 %
30 Year USDA Rural Home Purchase Rate6.500 % APR6.877 %
30 Year Conventional Manufactured Home Rate7.250 % APR7.439 %
30 Year FHA Manufactured Home Rate6.375 % APR7.244 %
30 Year VA Manufactured Home Rate6.625 % APR6.565 %
Test Mortgage Rate6.005 % APR5.000 %

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.

 The entire process was so easy! Employees were very courteous, friendly, and professional. I would definitely recommend SELCO to family and friends as customers seem to come first! 
— Mary L., SELCO member since 1996

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.

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

While high listing prices and higher interest rates can push upgrading to a new home out of reach, it opens the doors to upgrading in place with a home equity line of credit.

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Demystifying Mortgage Terms, Part II

Learn how to differentiate between common mortgage terms like PMI, escrow, conventional vs. FHA loans, and more.