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Check Out Our Member Stories

Supporting small businesses nationwide

Read More
Read Our Annual Report

See the numbers of how we supported our communities

Learn More
Invest in What We Do

Connect with our team to see how you can be a part of the mission

Reach Out

Mortgage Refinance

A new mortgage strategy for when you need it.

If your financial situation has changed or you want to take advantage of lower rates, it might be time to consider a refinance. Explore how a refinance with Self-Help could lower payments, unlock equity, or help you pay off your home faster.

Lower your interest rate or change your rate from adjustable to fixed
Change your loan term to pay off your home sooner
Get rid of private mortgage insurance (PMI)
Pull funds out of your equity to use for other expenses
Helpful Tip
Refinancing isn't always the answer.

Refinancing can have major benefits, but the timing isn't always right. If you're looking to fund home renovation projects or other large expenses now, you can take advantage of a home equity line of credit. Learn more about our HELOC options.

Helpful Tip
Refinancing isn't always the answer.

Refinancing can have major benefits, but the timing isn't always right. If you're looking to fund home renovation projects or other large expenses now, you can take advantage of a home equity line of credit. Learn more about our HELOC options.

Lower your interest rate or change your rate from adjustable to fixed
Change your loan term to pay off your home sooner
Get rid of private mortgage insurance (PMI)
Pull funds out of your equity to use for other expenses

Lower Monthly Payments

If rates have come down since you bought or you've been building up your credit score to improve your options, you may be able to secure a lower interest rate to reduce your monthly bill, ease budget pressure or free up money for other priorities.


Pay Off Your Home Sooner

Shorten your loan term to build equity faster and own your home outright. Accessing lower rates may make this even easier. If you can handle a slightly higher monthly payment, it may be worth it to potentially save thousands in long-term interest.

Ready to refinance? Here's our simple process.

Step 1
The Free Strategy Session

Schedule a no-obligation chat with a Self-Help lending expert. We'll review your current loan, discuss your goals, and give you an honest assessment of your options.

Step 2
Personalized Review & Quotes

If it makes sense, we'll provide clear scenarios showing potential new rates, terms, and closing costs.

Step 3
Streamlined Application

Once you choose your path, we'll guide you step-by-step and keep you informed.

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