Mortgage Refinance

Two Ways to Refinance

At City & County Credit Union, we know one size doesn't fit all - especially when it comes to your home. That's why we've created two different mortgage refinance options for you to choose from. Whether you're wanting to lower your monthly payment, pick a new term or save on interest, refinance with City & County to get more from your mortgage.

If you're looking to save on closing costs, this is the perfect refinance solution for you. Lock in a low rate and refinance to a 15 year term.

  • Pay as low as $999 in closing costs with no out of pocket expenses
  • Refinance to a 15-year term
  • Rates as low as 6.398% APR
  • Calculate Payments

APR = Annual Percentage Rate. Closing cost offer for mortgage refinances only. Appraisal fee will vary and is the responsibility of the applicant if the loan is not consummated. Total savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. $999 closing cost offer good for loans up to $200,000. Loans above $200,000 up to $647,200 closing cost is $1,250. Rates can change daily. Payment example: A $100,000 mortgage rate of 6.24% for 15 years would have a principal and interest payment of $856.88. Assuming 80% Loan to Value, the resulting APR would be 6.398%. New Money Only. Minimum loan amount of $25,000.

With City & County’s Traditional Mortgage Refinance, you can lock in a rate as low as the current market and refi to a 10, 15, 20 or 30-year term. From lowering your monthly payment to saving on interest, the Traditional Mortgage Refinance is perfect if you’re looking to find a mortgage that fits your current lifestyle.

Unsure which refinance option is best for you? We're here to help. Call us at (651) 225-2729 or send us an email at to discuss your options.

We are unable to support mortage loans in Hawaii, Massachusetts, New York, Rhode Island, Washington DC or Vermont.