Mortgage Refinance

A mortgage refinance is your chance to secure lower rates, get a different term and monthly payment, or access equity for any purpose.

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Benefits of an Argent Credit Union Mortgage Refinance

Save Money With a Lower APR

Payments on your original loan mean your credit has likely improved so you can get a better rate.

Change Your Payment

Shorten your term and pay off your loan faster or extend your term for a lower monthly payment.

Tap Into Your Equity

You can cashout if you’ve built up enough equity since taking out your original home loan.

Switch from ARM to Fixed Rates

If market rates are going up, you can get ahead of the game and lock in competitive rates.

Mortgage Refinance Details

A mortgage refinance means you replace your existing home loan with a new and better one.

Consider a refi if you:

  • Are unhappy with your current lender.
  • Think you can qualify for lower rates.
  • Want to switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.
  • Want to cash out your equity to fund home improvements, a vacation, debt consolidation, and more.

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A happy family is standing in their yard celebrating their affordable mortgage refinance.

Applying for a Mortgage Refinance Is Easy Because You’ve Done It All Before!


Fill Out Our Online Application Form

Just gather the same kind of information from your original mortgage and enter it into our simple online portal.


Pre-Qualify for Your Mortgage Refinance

A mortgage loan officer will contact you by the next business day and check that you’re eligible for the refinance.


Enjoy Your New Rates and Payments!

Once approved, we’ll confirm the details of your refinance and you’ll begin making payments on your new home loan.


“Stress-free mortgage experience.”

– Diane M.Y.

“Talking about going the EXTRA MILE. Thanks!”

– Travis T.

“Great service and caring team!”

– Deborah B.

Mortgage Refinance Calculator

Loan Amount




Term (Years)

Interest Rate


Est. Monthly Payment: $0

FAQs About Mortgage Refinancing

What rates will I get for my mortgage refinance?

Just like for your original home loan, the new interest rate and annual percentage rate (APR) for your mortgage refinance will be determined by your credit score. The higher your score, the lower your mortgage rates.

The good news is, if you’ve been making timely payments on your mortgage for some time, your credit score has likely gone up – so you’ll qualify for better rates.

What are the reasons people refinance their mortgage?

Do I need to supply any specific information or documents to Argent when I apply for my mortgage refinance?

Do I need to become a member at Argent to get a mortgage refinance?

Why join Argent?

Get Prequalified

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Mortgage Resources

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