The right refinancing solution starts with the right home lending expert.

Your mortgage should work for you, and refinancing with Teachers can help you choose a home loan that better fits your financial priorities. No matter the reason for your refinance,1 Teachers Federal Credit Union’s mortgage team will review your options and guide you every step of the way. Apply today to see how refinancing your mortgage could support your financial goals.

Benefits of Refinancing with Teachers

Industry-Leading Rates

Lower your interest rate or reduce your monthly payment1

Continuous Support

From origination through final payoff, Teachers handles all your loan servicing

70+ Years of Trusted Experience

Supporting our members in creating a strong financial foundation

Personalized Service

Customized guidance to help you make the most of your refinancing experience

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Reasons to Consider Refinancing

  • Lower Your Interest Rate: Reduce your monthly payments or the total interest paid over the life of your loan
  • Accelerate Your Payoff: Adjust the loan term to pay off your mortgage more quickly or to create more room in your monthly budget1
  • Consolidate Debt: Combine higher-interest debt with your refinanced loan to simplify your payments into one monthly bill
  • Access Your Home's Equity: Use funds from a cash-out refinance to pay for home improvements, education costs, or other major life expenses

Apply Now

Smart Tools for Better Banking

Enjoy secure 24/7 access to your account with Teachers Online and Mobile Banking.

  • Make one-time or recurring payments and track your remaining balance in one place
  • Monitor your interest rate, loan term, and payoff progress over time
  • Access statements, tax documents, and escrow details anytime
  • Connect with our support team through secure online chat
     

Ready to get started? Meet with a Teachers financial expert.

Disclosures

*APR = Annual Percentage Rate

1Restrictions may apply. Not all applicants will qualify. Subject to creditworthiness and meeting all underwriting guidelines. Rates and terms are subject to change at any time without notice. 

Membership at Teachers is required as a condition of the loan by opening a Regular Savings account or Youth Savings account with a minimum opening deposit of $1.00.