You can apply to refinance your home loan through Golden 1 at any time. Apply online, speak with a Home Loan Advisor at a Golden 1 branch, or call 1-800-917-9000 for more information.

You may apply to refinance your first or second mortgage any time; however, restrictions may apply. Apply online, speak with a Home Loan Advisor at a Golden 1 branch, or call 1-800-917-9000 for more information..

Refinancing means replacing your current mortgage with a new one. Members usually do this to get better terms, lower their monthly payments, or access some of their home’s equity.

You might consider refinancing to:

• Lower your interest rate
• Reduce monthly payments
• Switch from an adjustable-rate to a fixed-rate loan
• Shorten the loan term
• Use your home’s equity for cash through a cash-out refinance

Refinancing may involve:

• Loan origination fees
• Appraisal fees
• Title insurance
• Closing costs

Golden 1 does not charge an application fee.

The process generally takes about 30-45 days, but it can vary based on application details.

Refinancing might temporarily lower your credit score due to a hard inquiry and changes in your debt-to-credit ratio, but this effect is usually minor and short-lived.

A cash-out refinance lets you borrow more than your current mortgage balance and take the difference in cash, which can be used for things like home improvements or debt consolidation.

Apply online, speak with a Home Loan Advisor at a Golden 1 branch, or call 1-800-917-9000 for more information.