A happy family enjoying a meal in their backyard.

Home Loan Refinance

Home Loan Refinance

A happy family enjoying a meal in their backyard.

Home Loans for Refinance

Choose a local lender you can trust.

Save money or free up cash when you refinance your mortgage. If you’re looking for a better interest rate or lower monthly mortgage payment, we’ll help find the solution that’s right for you.

Fixed Rate Home Loans

With a fixed rate, you have the advantage and security of knowing your rate and your monthly payment will not change for the term of your loan. Features include:

  • 15 and 30-year terms1
  • No closing cost option2
  • Low or no points options
  • Pre-qualification with no obligation
  • Financing up to 97% loan to value3

Adjustable Rate Home Loans

Compared to a fixed rate loan, these loans have lower initial interest rates, which mean lower monthly payments. Even after the initial rate hold period, rates cannot adjust more than 1% annually or 5% over the life of your loan. They also feature:

  • A 1, 3, 5, or 7-year rate hold4
  • No closing cost option2
  • Rate adjusts annually after the initial rate hold
  • Rate caps to provide added security
  • Low or no-points options
  • Pre-qualification with no obligation
  • Financing up to 97% loan to value3

Rate Index: 1 Year Constant Maturity Treasury – 1% Annual Rate Cap / 5% Lifetime Rate Cap

Get Started Today

Request a free consultation to review your options, or get started with an application today. See our helpful tips and documentation checklist.

Need more info?

Let's chat.

Request a complimentary consultation with one of our Mortgage Loan Officers. Whether you want to purchase a home, refinance your mortgage or just check out your options, we're here to here to help you make informed decisions.  Simply fill out our form and we'll contact you shortly.

Home Loans

There is no obligation to join SESLOC or apply for a loan. By submitting this form, you agree to receive email communications from SESLOC and phone calls if this preference is indicated. You can unsubscribe at any time. 

Name*
Are you a SESLOC Member?
Purpose of Consultation - Please check all that apply
This field is for validation purposes and should be left unchanged.
1. Payment Example: For a fixed rate loan in the amount of $400,000 for 30 years with an initial interest rate of 4.000% (APR 4.049%*), the estimated monthly payment would be $1,909.66. Payment example excludes taxes and insurance. Actual payment will vary based on final loan terms and may be higher. Refer to our Payment Calculator to estimate additional payment examples.
2. No Closing Cost Option available for first mortgages on primary residences only. Not available with financing on investment or commercial properties. SESLOC will pay closing costs, including but not limited to: lender’s title services, escrow services, appraisal, tax service, credit report, flood certification and recording fees. Paid closing costs do not include points, pre-paid interest, hazard insurance premiums, initial escrow deposit, or property taxes. Other restrictions apply. A rate premium will be added to the applicable loan rate.
3. Loan terms based on credit history, and are subject to credit approval. Some restrictions apply.
4. Payment Example: For a 7/1 adjustable rate loan in the amount of $400,000 for 30 years with an initial interest rate of 3.250% (APR 3.346%*), the estimated monthly payment would be $1,768.38. Payment example excludes taxes and insurance. Actual payment will vary throughout the life of the loan, based on final loan terms and changes to the rate index. Rate and payments may increase after consummation. Refer to our Payment Calculator to estimate additional payment examples.
*APR = Annual Percentage Rate

Home Buying

From the News+ Blog

Mortgage Points: What You Need to Know

Mortgage Points: What You Need to Know

What are mortgage points and are they right for you? Mortgage points are basically discount points. When you’re getting your home loan, you can buy mortgage points to lower your rate and save you interest in the long run.

read more

Back to top