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Refinance Your Home

Pictures of happy families interacting inside their homes.

Refinancing may give you a better interest rate, lower your monthly mortgage payment, or allow you to pull cash out from the equity in your home to complete a home improvement project, consolidate debt, or make a major purchase.

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Should I Refinance?

Here are some things to think about if you are considering refinancing your home.

  • Determine your goal.
  • Choose the correct loan.
  • Can I eliminate my mortgage insurance?
  • Determine if the benefits outweigh the closing costs of refinancing.

Contact one of our mortgage loan officers to help you determine if a refinance is right for you.

Two people discussing the advantages of a home refinance and shaking hands.

Refinancing Options & Features

There are various refinancing options that may work for you.

  • Cash-out refinance.
  • Rate and term refinance.
  • Fixed-rate and adjustable-rate mortgages (ARMs).
  • No pre-payment penalties at CapEd.
  • Refinance options up to 100% loan-to-value (LTV) on VA.
  • Mortgage insurance not required on eligible loans.


Rates current as of .

Conventional Fixed

Conventional Fixed Mortgage Refinance Rates.
Mortgage TermInterest RateAPRPointsSample Payment
30 Year6.625%6.870%0Sample Payments for Conventional Fixed 30 Year Mortgage
15 Year5.875%6.151%0Sample Payments for Conventional Fixed 15 Year Mortgage
10 Year5.875%6.266%0Sample Payments for Conventional Fixed 10 Year Mortgage

Idaho Housing

Idaho Housing Mortgage Refinance Rates.
Mortgage TermInterest RateAPRPointsSample Payment
Contact Us for current rates.

Apply for a Mortgage Refinance

Ready to apply for a mortgage refinance? Apply online or visit us in person to start your application today.

Mortgage Loan Officers

We have an experienced and reliable team to assist you every step of the way when refinancing your home. If you're ready to apply for refinancing your home, review the resources below and contact our Mortgage team to get started.

Skip MLO list
Jeff Acree

Jeff Acree

NMLS Number 6591
Phone Number: (208) 855-4605
Email Jeff
  Thunderbolt Branch
Apply with Jeff

Carole Meyer

Carole Meyer

NMLS Number 91917
Phone Number: (208) 898-7052
Email Carole
  South Nampa MCC
Apply with Carole

Joe Azevedo

Joe Azevedo

NMLS Number 96874
Phone Number: (208) 855-4688
Email Joe
  Eagle Branch
Apply with Joe

Isabel Bailey

Isabel Bailey

NMLS Number 507120
Phone Number: (208) 884-0150 ext. 7024
Email Isabel
  McMillan Branch
Apply with Isabel

Mike Troester

Mike Troester

NMLS Number 1381739
Phone Number: (208) 855-4680
Email Mike
  Linder MCC
Apply with Mike

Cal Gothberg

Cal Gothberg

NMLS Number 148078
Phone Number: (208) 898-7026
Email Cal
  South Meridian MCC
Apply with Cal

Steve Sengelmann

Steve Sengelmann

NMLS Number 91656
Phone Number: (208) 855-4603
Email Steve
  Thunderbolt Branch
Apply with Steve

Ana Moroshan

Ana Moroshan

NMLS Number 452269
Phone Number: (208) 898-7030
Email Ana
  South Nampa MCC
Apply with Ana


Here are some helpful resources to help you when getting ready to refinance your current home.

Refinance a Home Checklist Opens in new tab. Link is a PDF document.

Make sure you have everything you need to refinance your home with this PDF.

Maximum Mortgage Calculator

This calculator collects important variables & determines your maximum monthly mortgage payment.

15 vs. 30 Year Mortgage Calculator

Finding the right mortgage term can be difficult. Compare 15-year vs. 30-year mortgages.

Mortgage Payoff Calculator

Estimate how much interest you can save by increasing your mortgage payments.

Mortgage Calculator with Private Mortgage Insurance (PMI)

Estimate your Private Mortgage Insurance (PMI) monthly payment, amortization schedule, interest, principal balances, and prepayments.


All loans are subject to approval. Rates listed are base rates. Rates, terms, and conditions may change without notice and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.