Mortgages Refinancing
Transform your existing mortgage with United Financial's refinancing solutions. Explore our range of traditional and innovative options, and let our experienced team guide you through the refinancing process, helping you achieve your financial goals.
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Competitive Rates and Terms
At United Financial Bank, we offer competitive mortgage rates and flexible terms tailored to your needs. Whether you're buying your first home or refinancing, you can count on favorable terms that fit your budget.
Learn MoreExpert Guidance Every Step of the Way
Our experienced mortgage team is here to support you throughout the entire refinance process. We are just one click away. From application to finalizing, we provide expert guidance, ensuring a smooth and stress-free experience for you and your family.
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Fast and Efficient Approval
We understand that time is of the essence when it comes to buying a home. That's why we strive for fast and efficient refinancing approvals. With United Financial Bank, you can move forward with confidence, knowing your financing is in good hands.
Learn MoreFrequently Asked Questions
What is mortgage refinancing?
Mortgage refinancing is the process of replacing your current mortgage with a new one, typically to secure a lower interest rate, change the loan term, or access equity in your home.
Why should I consider refinancing my mortgage?
Refinancing can lower your monthly payments, reduce your interest rate, shorten your loan term, or allow you to access cash from your home's equity for other financial needs.
When is the right time to refinance my mortgage?
The right time to refinance depends on your financial goals and current market conditions. Common triggers include falling interest rates, improved credit scores, or a change in your financial situation.
What types of mortgage refinancing options do you offer?
We offer various refinancing options, including rate-and-term refinancing, cash-out refinancing, and streamline refinancing. Our mortgage specialists can help you choose the best option for your needs.
Will I need to go through the mortgage application process again?
Yes, when refinancing, you'll need to go through a similar application and approval process as you did when initially obtaining your mortgage. However, the process is often more streamlined for refinancing.
What are the costs associated with mortgage refinancing?
Refinancing may involve closing costs, which can include appraisal fees, title fees, and application fees. Our team will provide you with a detailed breakdown of all associated costs.
FDIC Insured
Rest easy knowing that your money is safe and secure with United Financial Bank. Our savings accounts are FDIC insured up to the maximum allowed by law.
Automatic Transfers
Set up automatic transfers from your checking account or your savings account and watch your mortgage get paid without even thinking about it.
Easy Access
Managing your mortgage has never been easier. You can access your account online, and through our mobile app.
Competitive Interest Rates
Our mortgage offers some of the most competitive interest rates in the industry. Watch your monthly payment go down instantly compared to other providers.
Rate Lock Option
Lock in your interest rate to protect against rate increases while your loan application is processed.
No Prepayment Penalties
With a mortgage refinance from United Financial, we do not charge prepayment penalties on our mortgage refinancing options. You can refinance at any time without incurring additional fees.