Let's Connect
Our Mortgage Team is here to answer your questions 8:00 a.m. - 6:00 p.m. PT, Mon-Fri.
800.854.4501
Or, chat with an online agent 7:30 a.m. - 7:00 p.m. PT, Mon-Fri.
CHAT NOW
Refinancing your mortgage is a lot easier than you think. Our experienced mortgage loan consultants will help streamline the process and find a solution that’s right for you. They will be your advocate and partner through every step of the process. Here's what you can expect:
- Mortgage refinancing for primary residences, second homes, condos and investment properties
- Local underwriting and processing
- Options to get cash out or simply lower your rate
Be sure to ask about Kinecta's Relationship Pricing1 program, which can save you money on your first mortgage refinance based on your relationship with us.
Today’s home lending rates.†
Conforming 30 Yr Fixed
6.250% / 6.401% APR
Discount Points 0.375
Jumbo / High Balance 30 Yr. Fixed
6.000%/6.078% APR
Discount Points 0.00
5/5 Conforming / Jumbo ARM
5.250%/6.385% APR
Discount Points 0.00
7/6 Jumbo / High Balance ARM
5.500%/6.308% APR
Discount Points 0.00
†Please note that rates and fees are subject to change without notice.
See how you can qualify for additional savings on your mortgage with Relationship Pricing.
Types of Refinance Loans2
Expand features to compare products
Conforming | High Balance | Jumbo | |
| Loan amounts | Up to $806,500 | $806,501 to $1,209,750 | Above $806,500 |
| Fixed rate terms | 30, 20, 15 & 10 years | 30 & 15 years | Yes |
| Federal Housing Authority (FHA) loan | 30 year fixed | 30 year fixed | Does Not Apply |
Home Insurance3
Your home is probably your biggest single investment. Make sure it’s protected from natural disasters, accidents, and even normal wear-and-tear.
- Single family home, condo, or townhouse
- Second home or investment property
- Earthquake and flood
- Home warranty
*APR= Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. Rate, points and APR may be adjusted based on several factors, including, but not limited to, loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Fees, costs and monthly payment on your specific loan transaction may vary and could include additional fees and costs. For example, loans with LTVs more than 80% typically require mortgage insurance which will increase both your APR and monthly payment.
1Relationship Pricing applies to first mortgages only and discounts and credits are not applicable on Home Equity Loans and/or Lines of Credit. Visit Relationship Pricing page for full terms and conditions.
2Mortgage loans. Subject to credit approval. Rates, loan amounts and terms are based on standard underwriting factors and are subject to change. Income and asset documentation are required. Loans are secured by a lien against the property. Interest rates, points and Annual Percentage Rates (APRs) may differ by product, your credit history, income, property value, occupancy, property type, loan amount and loan purpose. Mortgage loans from Kinecta Federal Credit Union may not be available in all states.
3Insurance products offered through InsureOne Insurance Services America, LLC dba Kinecta Insurance Services, (CA Lic #0M04446) Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities. Insurance products not available in all states. Actual policy premium may vary based on driving records, garaging address, vehicle type, insurance coverage selected and other underwriting factors. Other rates, service fees, restrictions and charges may apply.