Mortgage Refinance

Refinance with cash out, to lower your payment, or your rate.

Is it time for a change? Refinances open a world of opportunity to homeowners who are ready to replace their existing mortgage with a new loan.

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 Mortgage Payment Calculator

Estimate Your Payment

Use this calculator to estimate how much your monthly payment will be.2 You can put in the total amount of your loan to see how much a monthly payment will be with the above interest rates.

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Home Equity Loan

Leverage your home's equity with a second loan or line of credit.

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First Time Home Buyer's Guide 

All the information to take in as a first time home buyer can be overwhelming to say the least. Our guide outlines the process for you.  

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Conventional Home Loan

The option just right for millions of purchases every year.

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Rates Section 1 Rate 1 Disclosure
1 APR = Annual Percentage Rate. These rate offers are effective 07/17/2024 and subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates are subject to change without notice.
The information provided assumes the purpose of the loan is to refinance the existing mortgage, with a loan amount of $225,000 and an estimated property value of $300,000. Payment examples below include a 25% retention of equity in the property. The property is located in ID and is within Nez Perce county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 780.
A fixed rate loan for 30 years at 6.500% interest and 6.675% APR will have an estimated monthly payment of $1422.15.
Rates Section 1 Rate 2 Disclosure
A fixed rate loan for 20 years at 6.000% interest and 6.223% APR will have an estimated monthly payment of $1611.97.
Rates Section 1 Rate 3 Disclosure
A fixed rate loan for 15 years at 6.000% interest and 6.281% APR will have an estimated monthly payment of $1898.68.
Rates Section 1 Rate 4 Disclosure
A fixed rate loan for 10 years at 5.625% interest and 6.016% APR will have an estimated monthly payment of $2455.80.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
Rates Section 2 Rate 1 Disclosure

Rates Section 2 Rate 2 Disclosure

Rates Section 2 Rate 3 Disclosure

Rates Section 2 Rate 4 Disclosure

2 Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy regarding your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.