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Refinance Your Home

Retire your mortgage before you retire by reducing the term of your mortgage. 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.

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 cost of refinancing

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

Refinancing Options and 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) available
  • No pre-payment penalties at CapEd
  • Refinance options up to 100% loan-to-value (LTV) on VA
  • No mortgage insurance on eligible loans


Rates current as of .

Conventional Fixed

Mortgage Term Interest Rate APR Points Sample Payment
30 Year % % Sample Payment
15 Year % % Sample Payment
10 Year % % Sample Payment

Idaho Housing

Mortgage Term Interest Rate APR Points Sample Payment
Contact Us for current rates.

Apply for a Mortgage Refinance

Apply for a mortgage refinance online or visit a CapEd location.


All loans 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.