Remember to activate and start using your new CapEd Mastercard Debit card. All Visa debit cards are now closed. Learn more about new Mastercard Debit and Credit cards.
Remember to activate and start using your new CapEd Mastercard Debit card. All Visa debit cards are now closed. Learn more about new Mastercard Debit and Credit cards.
Refinance Your Home
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 costs of refinancing.
Contact one of our mortgage loan officers to help you determine if a refinance is right for you.
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
Rates current as of .
Conventional Fixed
| Mortgage Term | Interest Rate | APR | Points | Sample Payment |
|---|---|---|---|---|
| 30 Year | 7.375% | 7.635% | 0 | Sample Payments for Conventional Fixed 30 Year Mortgage |
| 15 Year | 6.875% | 7.166% | 0 | Sample Payments for Conventional Fixed 15 Year Mortgage |
| 10 Year | 6.875% | 7.283% | 0 | Sample Payments for Conventional Fixed 10 Year Mortgage |
Idaho Housing
| Mortgage Term | Interest Rate | APR | Points | Sample 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.
Jeff Acree
NMLS Number 6591
Phone Number: (208) 855-4605
Email Jeff
Thunderbolt Branch
Apply with Jeff
Paul McMurdie
NMLS Number 1000571
Phone Number: (208) 898-7039
Email Paul
Parkcenter Branch
Apply with Paul
Carole Meyer
NMLS Number 91917
Phone Number: (208) 898-7052
Email Carole
South Nampa MCC
Apply with Carole
Joe Azevedo
NMLS Number 96874
Phone Number: (208) 855-4688
Email Joe
Eagle Branch
Apply with Joe
Isabel Bailey
NMLS Number 507120
Phone Number: (208) 884-0150 ext. 7024
Email Isabel
McMillan Branch
Apply with Isabel
Mike Troester
NMLS Number 1381739
Phone Number: (208) 855-4680
Email Mike
Linder MCC
Apply with Mike
Cal Gothberg
NMLS Number 148078
Phone Number: (208) 898-7026
Email Cal
South Meridian MCC
Apply with Cal
Steve Sengelmann
NMLS Number 91656
Phone Number: (208) 855-4603
Email Steve
Thunderbolt Branch
Apply with Steve
Ana Moroshan
NMLS Number 452269
Phone Number: (208) 898-7030
Email Ana
South Nampa MCC
Apply with Ana
Resources
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.
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.
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.
Disclosures
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.
