COVID-19 updates and how First Tech is responding.  Learn more >>

Online Banking

Refinance with First Tech

Our mortgage loan officers can help lower your monthly payments, consolidate your debt, access your equity and more.

Why Refinance

Why Refinance Image

Maybe it’s been a few years since you closed on your mortgage. Chances are good that a lot has changed since then. With the rapid increase in property values in many regions, it might be a good time to consider refinancing your home loan.

Curious about your options? Schedule a free, no obligation assessment of your current loan.

Fixed-Rate Home Loans

Couple using computer at kitchen counter

Fixed-rate home loans are the most common type of mortgage. With fixed-rate home loans, you'll maintain the same payment and interest rate throughout the life of the loan. That means you’ll never worry about rising interest rates or a changing economy when it comes to your home loan.

It’s perfect if you plan on staying in your home for at least five years.

  • Easy application process
  • No pre-payment penalty
  • Closing within 28 days (on most purchases)
  • Jumbo loan options that exceed the current conforming loan limits of $510,400learn more.

Adjustable Rate Mortgage (ARM)

Father and son sitting on the couch playing a video game

An Adjustable Rate Mortgage (ARM) helps you qualify for more home thanks to lower payments during the first three to ten years of the loan. After that, the rate adjusts, which could change the monthly payment.

ARMs are ideal if you plan on being in your home for a short period of time. Because ARMs are subject to rate adjustments later on, the initial interest rate is typically set lower than on a standard fixed-rate loan. This can benefit you with a lower payment that reduces your monthly housing costs.

  • Fixed interest rate for 3, 5, 7 or 10 years
  • Rate adjusts annually thereafter
  • Easy application process
  • Jumbo loan options that exceed the current conforming loan limits of $484,350, learn more.

Mortgage calculators

Mortgage Calculators Image

How much can you borrow? What will your payments be? Which is better: fixed or adjustable? Our calculators are easy, straightforward, and available right now.

Get Connected with First Tech Federal Credit Union Icon

Get Connected

Get Prequalified Icon

Ready to refinance?