Mortgage Refinance

Ready to refinance? We offer competitive rates, a variety of loan options and personalized service from local experts from rate locking to closing.

Talk to a Mortgage Expert (877) 528-1514
Refinance Loan

Why Refinance?

Refinancing can have a meaningful and tangible impact on your finances.1 The time might be right to refinance your mortgage when your home value rises or when interest rates drop.

Lower Payment

Refinancing to a lower interest rate may reduce your monthly mortgage payment and increase your cash flow.2

Reduce Your Total Interest Paid 

Refinancing when interest rates fall may reduce the total amount of interest you pay over the life of your loan.

Pay Off Your Loan Faster

Pay off your mortgage sooner by refinancing for a shorter term. Accelerating your payoff can help lower the amount of interest you’ll pay over the life of the mortgage.

Cash Out

A cash-out refinance allows you to use the equity in your home by replacing your existing mortgage with a new one that is more than you owe on your house. The difference in cash is yours to use as you wish.

Home Loan Rates

Today’s Refinance Rates

Check the latest rates for our most popular refinance loans. When you’re ready to apply, call us at (877) 528-1514 or start your application online.

30 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
3.250%
APR1
3.250%
Loan Term
30 years
Down Payment
40%
Loan-to-Value (LTV)
60%
Points
0.000
Monthly Principal & Interest Payments*
360 payments of $1,740.83

*Payments displayed do not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

15 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
2.750%
APR1
2.750%
Loan Term
15 years
Down Payment
40%
Loan-to-Value (LTV)
60%
Points
0.000
Monthly Principal & Interest Payments*
180 payments of $2,714.49

*Payments displayed do not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

30 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
3.125%
APR1
3.199%
Loan Term
30 years
Down Payment
25%
Loan-to-Value (LTV)
75%
Points
0.500
Monthly Principal & Interest Payments*
360 payments of $1,713.50

15 Year Fixed Rate Mortgage

Loan Amount
$400,000.00
Interest Rate
2.500%
APR1
2.633%
Loan Term
15 years
Down Payment
25%
Loan-to-Value (LTV)
75%
Points
0.500
Monthly Principal & Interest Payments*
180 payments of $2,667.16

Mortgage Refinance Loans

Refinancing Options

There are many reasons to consider for refinancing your home. And with our competitive rates, fixed and adjustable rate loan options, and exceptional service, it makes perfect sense to refinance your mortgage with Fremont Bank.

Adjustable Rate
Mortgage (ARM)

Best if: You’ll be in your home for only a few years

  • Typically offers a lower initial interest rate
  • After initial period, the rate may adjust annually

Fixed Rate
Refinance

Best if: You plan to stay in your home long term

  • Maintain a consistent monthly principal and interest payment for the entire term
  • Protects you from rising interest rates

4 Ways to Get Started

Make the next move toward your next home. Let our team help put your purchase home loan in motion.

Apply Online

Use your computer or smartphone from the comfort of your home.

Request a Call

Speak with a Loan Officer, who will help guide you through your application.

Locate a Loan Officer

Find a Relationship Loan Officer in your area.

Talk to an Expert

A loan representative can answer your questions and take your application.

Looking for Something Else?

Rates and terms valid as of 02/28/2021 04:06 PM and subject to change without notice.

* Loan data is for informational purposes only, and is based on owner-occupied single-family homes only. The actual fees, costs and monthly payment on your specific loan transaction may be higher or lower than those quoted based on your information, which may be determined after you apply. This is not a credit decision or a commitment to lend. Loan interest rates are based on current market rates, are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type and borrower credit history. Mortgage insurance may be required if loan-to-value (LTV) is higher than 80% which could increase the monthly payment and APR.

Adequate property insurance (which may include flood insurance) is required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial.

1 The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR above is based on interest rate, loan origination fees and applicable closing costs and does not take into account other loan-specific finance charges you may be required to pay. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

2 Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation.

3 No Closing Cost loans are subject to terms and conditions of Fremont Bank’s Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on your Closing Disclosure statement. Application fee is non-refundable if your loan is denied, withdrawn or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.

4 Loans with points and/or fees (Closing Costs) may have a lower nominal interest rate than “No Closing Cost” loans. Discount points are a form of prepaid interest paid up front in exchange for a lower interest rate. The reduced interest rate will only save money over a long term; the longer a borrower plans to live in the home, the better the chance of reaching the “break-even” point. There are a variety of points and fee options, so please ask your loan officer about available programs to help you decide whether paying points is an option for you.

Loans available for properties located in California and Nevada. Rates may not be available in all areas. Actual rates may vary. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply.