Mortgage Refinance

Build equity faster with Reliant's Equity Builder Loan!

Have you purchased a home within the last 10 years and financed it with a great mortgage rate at the time—but have since watched the mortgage rates falling to all-time lows? Did you, as part of obtaining your current mortgage, pay Private Mortgage Insurance (PMI) or FHA Mortgage Insurance Premiums (MIP) that are part of your payment each month? Is 30 Years too long to wait until your home is free and clear of a mortgage? If you answered YES to any of these questions, we may be able to save you money by refinancing your mortgage!  Build equity fast when you take advantage of our Equity Builder Mortgage Loan special, with mortgage rates as low as 3.500% (4.247% APR)!*

Features of our Equity Builder Mortgage:

  • Build equity fast with a fixed rate.
  • Cash-out available
  • As a convenience perk, you can escrow for taxes and insurance.
  • Available for purchase and refinance transactions
  • Available for owner-occupied or secondary residences
Visit our mortgage center to get a personalized rate quote today!

What is the first step to see if refinancing is right for me?

Your first step is an easy one, and it is the same for everyone: simply visit your local Reliant branch or call our Member Service Center at 800-724-9282.

What happens next?

One of our Member Service Representatives will ask you for some information, which will be relayed to one of our Mortgage Loan experts. The Mortgage Loan expert will then reach out to you to learn about your goals and how Reliant can help you reach them. If you want to own your home mortgage-free in 15 years, we can show you the possibilities. If you want to reduce your mortgage payment to help in affordability, let us do the math.

What if I’m not quite ready or I just want to be kept better informed at this time?

Sure! We want to keep our members informed on current rates, so we provide a “Check Rates” tool to help you do just that. Click here to get started on a quick questionnaire about your potential mortgage, and we'll get you a quote in seconds!

Want Interest rates sent to you daily? Sign up for Rate Watch by clicking here. Set up your criteria that you used to Check Rates, provide an email address and how often you want an update, and we will send it to you. It’s that simple!

Reasons to Refinance

Curious about why refinancing might be the right plan? Check out our list of reasons why people come to us to refinance to see what might make sense for you. Just click the “Learn More” buttons for more details or ideas!

Scroll to the left to view the rest of the table.
Reason to Refi Description More Info
Wedding Bells

When "what's yours is mine & what's mine is yours" becomes reality, it could help you lower your interest rate!

Learn More
Friends for Long

You bought a home with a friend, but would now like to remove him/her from the obligation or ownership of the home.

Learn More
Family Matters

When a relationship changes and you'd like to remove an absent, former spouse pursuant to divorce or separation agreement.

Learn More

Did you require a co-signor years ago who now wants to be removed?

Learn More
Fix, Repair, and Improve

Do you have some deferred maintenance that you need some cash to fix?

Learn More

Combine your first & second mortgages or your home equity loans into one affordable mortgage.

Learn More
Investor Cash Out

Use funds from a refinance to purchase an investment property.

Learn More

Use funds to consolidate consumer debt.

Learn More
Education Expenses

Get funds to provide for education for yourself or a dependent, or to pay off student debt.

Learn More
Time for a New Toy?

Get funds to buy that RV, boat, or snowmobile you've been eyeing.

Learn More
Vacation Home!

Use funds to provide for a vacation property, a home for a dependent, or a retirement dwelling.

Learn More
Time to Change Lenders?

Refinance as a means to change mortgage servicing companies, often choosing a local lender—like Reliant!

Learn More

Change from private financing, an ARM, balloon, or interest-only to a fixed-rate mortgage.

Learn More
Mortgage Insurance

Are you ready to remove monthly PMI or MIP?

Learn More

*APR = Annual Percentage Rate and is based on a loan amount of $80,000 with a value of $100,000, with a credit score of 620 or greater on a purchase or refinance of an existing first mortgage balance for a primary residence or second home.  APR shown as of 1/2/19 and is subject to change without notice.  The actual interest rate available to you will be based on your credit history and may be different than what is referenced above.  Reliant Community Federal Credit Union is an Equal Housing Lender.

Why is NOW a good time to refinance?

Every member is different, but there are a few constants:

  • Interest rates remain low! 
  • Reliant has expanded its program offerings—we now have more options than ever to meet our members' needs!
  • We want all of our members to realize savings in monthly payments or interest paid over the terms of their mortgages. 

Find a Reliant Mortgage Originator

Reliant's professionally trained mortgage staff has the expertise and confidence needed to answer your questions and help you with mortgage-related issues.

Select an Originator Now

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