Protect your financial health with lower payments and a better rate.
Free up your cash flow. Reduce financial stess. Continue loving your home.
Prefer to speak with a home loans advisor first? Call us at 800-688-7228.
Refinance and simplify your loan
Refinancing your home loan can help reduce financial strain, freeing up cash flow for emergency funds or other essential expenses. This improves day-to-day financial resilience and confidence in your spending plan. Your home loan should work for you as your life changes. Refinancing can help lower your monthly payments, reduce interest costs or unlock the value of your home equity to help cover costs. It’s an opportunity to realign your loan with your financial goals and move forward with greater flexibility.Want to speak with one of our home loan advisors? We’re available Monday–Friday from 8:30 AM to 5:30 PM and Saturdays from 9:00 AM to 12:00 PM at 800-688-7228.
Why refinance with Credit Human?
Fixed Rates
Your rate won’t change, which means you can confidently plan for your bills every month.
Up to 30 years
Refinancing your home can spread out your payments so your monthly payments are lower.
No early payoff penalties
You can pay off your loan faster with no penalties if it makes sense for you.
No PMI on approved loan types
Private Mortgage Insurance (PMI) can be expensive, so we offer no PMI on many of our loans.
Our commitment to you
No jargon. No lectures. Just guidance and refinancing options that fit your goals.
You’re more than a rate or loan to us. You’re part of a community, and you deserve a partner who listens and helps you find the right path for your next step. Your home can do more for you. Refinancing can help you lower your payment, change your timeline or create more flexibility in your financial life. Credit Human is here to help you understand your options and move forward with clarity.
As a credit union, we put people before profits. Our goal is to help individuals and families reduce financial stress so we can move forward together with confidence.
It’s a different kind of relationship. One built on trust, guidance and support you can feel.
Unlock your savings by refinancing today
Home refinance rates
| Up to 15 years | 5.625% | 5.759% | $50,000 | $832,750 |
| 30 years | 6.100% | 6.182% | $50,000 | $832,750 |
Rates are effective as of June 2, 2026
Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees, and other charges that you have to pay to get the loan.
Disclosed rates are based on a purchase of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%.
Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.
Prefer to access your home equity without extending your loan?
Take a look at our home equity loan and tap into your equity without replacing your mortgage.