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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
  • Low or no points options
  • Pre-qualification with no obligation
  • Financing up to 97% loan to value2

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:

  • Various rate hold options are available. Contact a Mortgage Loan Officer for details.
  • 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 value2

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

Current Rates

Click any rate or APR* to see a payment example.

Additional products and/or rate options may be available. Contact a Mortgage Loan Officer near you for more information.

APR = Annual Percentage Rate. Rates are subject to change without notice. Loan terms based on credit history and other underwriting criteria and subject to credit approval. Loan terms and conditions subject to change without notice.
Instant Mortgage Rate Quote & Payment Calculator results are for illustrative purposes only and don’t guarantee a rate.  Actual rate, APR, payment amount and closing costs will vary based on final loan terms and may be higher. Consult a Mortgage Loan Officer for more information.
1. Click any rate or APR to see a payment example. Refer to our Payment Calculator to estimate additional payment examples.
2. Loan terms based on credit history, and are subject to credit approval. Some restrictions apply.
*APR = Annual Percentage Rate
home loans
Fund your next home improvement with a SESLOC fixed rate Home Equity Loan..
Fixed Rate


Tackling home renovations this summer?

Tapping into your home’s equity to access funds could be the solution to get you started.

SESLOC offers an affordable Home Equity Loan with a fixed rate.

Ready for the next step?

Review our handy documentation checklist and application how-to. Or, get started with a pre-approval or free consultation using the forms below.

Get Pre-approved or Apply Now

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.

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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. 

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Home Loan Tips

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