If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-888-387-8632 for assistance.
24-Hour Member Service: (888) 387-8632
Locations & Hours

Home Refinance Loans

couple smiling at each otherTake advantage of lower rates and better terms with a home refinance loan. Get your mortgage paid off faster, or benefit from decreased monthly payments.

Click to Apply Now

Market conditions change, as do your own individual finances. While you build credit and the rates fluctuate, you could qualify for better loan terms overall with a home refinance.

  • Get lower interest rates
  • Switch from an adjustable rate to a flat rate
  • Get lower monthly payments
  • Pay off your mortgage faster

Call us today at (925) 335-3870 for additional information, or Apply Now

Already started your application? Click here to continue.

Home Refinance Loan Rates

The credit union difference you get through 1st Nor Cal® Credit Union means lower rates and more personal involvement in your finances. With us, you can enjoy better rates with our home refinance loans than you would through other institutions.

With that in mind, the rate you’d get with a home refinance loan depends on your current credit score and financial situation.

For more information on home refinance loans, call us at (925) 335-3870.

Members can apply for a home refinance loan here via our easy online application process.

Home Refinance Resources

When making wise financial decisions regarding your mortgage, it’s best to be well-informed. That’s where 1st Nor Cal® Credit Union comes in with a variety of financing resources and expert advice so you can be certain you’re going down the right path. 

Home Refinancing Resources

Refinance your home!

Click to Apply Now

Financing Resources

Not a member yet?

Apply for Membership


Additional Lending and Banking Services

In addition to our home refinancing services, we also offer plenty of other accounts and financial products. The advantages you get through these accounts and lending services are personable customer service and highly competitive rates. 

Home Equity Loans

When you’re preparing for upcoming life expenses, planning a home remodel, or tackling other costs, a home equity loan can help you make ends meet. These loans essentially allow you to benefit from the equity you’ve already built up by paying off your existing mortgage, all without adding substantial financial burdens over the long term.

Learn more

Savings Accounts

Each of our members gets a savings account with numerous benefits, including dividends on amounts over $100 and only a $5 minimum balance requirement. Manage your finances through our convenient online banking services, or talk with one of our representatives to find the best savings options for you.

Learn more

Checking Accounts

Totally free checking at 1st Nor Cal® Credit Union means no monthly service fees, minimum balance requirements, or ATM fees through our vast network of CO-OP ATMs. The absence of hidden costs already gives you an edge over accounts at other institutions, but on top of that, you can earn dividends on amounts over $1,000.

Learn more

Get Better Rates With A Home Refinance Loan

If your financial situation has improved or market rates have dropped since you first bought your home, it might make sense to refinance. 

Let 1st Nor Cal® Credit Union walk you through the process of determining whether a home refinance loan is right for you.

Click to Apply Now

Already started your application? Click here to continue.