Home Loans at Virginia Credit Union
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Home Refinance

Thinking about refinancing your home? Refinance to lower your monthly payments, change the term of your mortgage, or get cash out to use for a home project or other expense.

Limited-time offer


off closing costs when you finance with us!?

Competitive Rates

 View all rates?

Attractive benefits


No closing cost refinance option available.?

Why refinance with VACU?

 Our no closing costs refinance option can help you save on upfront costs.

 We have competitive rates and flexible terms.

 Choose a cash-out refinance, and you can use your home’s equity for a project or to pay off other debt.

 Our local mortgage experts will help you every step of the way.

 Refinancing can lower your monthly payments or change the term of your loan.

 Close on your loan within 60 days.

Conventional Fixed Rate Refinance

Rates as low as


Good option if you want a consistent payment for the life of the loan.

No Closing Cost Refinance

Rates as low as


Good option to save on upfront costs.

FHA Streamline Refinance

Rates as low as


Good for FHA mortgage holders looking to lower their monthly payments.

What to expect when you refinance

Step 1
Talk to a mortgage loan officer.

Talk to one of our local mortgage loan officers about refinance options, including term/rate changes, a no closing cost option, and cash-out refinances.

Step 2
Apply with us.

Apply for your mortgage refinance by completing our easy-to-use digital application.

Step 3
Finalize your mortgage.
  • Sign disclosures, which will include an estimate of your closing costs. 
  • While the loan processor is putting the final touches on your documents, they might reach out with questions or requests for additional documentation.
Step 4
Close on your new loan!

Work with a closing attorney to sign and finalize the closing documents and provide funds for closing.

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Virginia Statewide Title Services

Offers affordable title insurance to protect you against defects in your property title and can also connect you with a participating closing attorney in your area.

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Mortgage Loan Officers

Whether you’re looking to buy or refinance, we have a team of local mortgage loan officers ready to help.

  • Mortgage Resources

    See More Resources

    • Why Refinance?

      Refinancing is the process of paying off an existing loan with the proceeds from a new loan, and using the same property as collateral.
    • Mortgage Documents Checklist

      This list will help you gather information and documents for your mortgage application, to help get the mortgage process off to a fast and efficient start.
    • Should I refinance?

      When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs.

Refinance your mortgage.

Consider refinancing your current mortgage to get more for your money.