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

$500

toward closing when you refinance with us!?

Competitive Rates
6.007

 View all rates?

Choose from

2

refinancing options: rate/term or cash out.

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

6.007
%
APR
See all rates

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

No Closing Cost Refinance

Rates as low as

6.768
%
APR
See all rates

Good option to save on upfront costs.

FHA Streamline Refinance

Rates as low as

5.99
%
APR
See all rates

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.

Talk to a mortgage loan officer
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.

A mortgage loan officer helping a member

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

    • 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.
    • Home Refinance Calculator
      Review your current home loan details and potential new rates to see if refinancing makes sense for you with our Home Refinance Calculator.

Refinance your mortgage.

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