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Mortgage Loans

15-Year or 20-Year Mortgage Refinance


It's a great time to consider refinancing your home with either our 15-Year or 20-Year Mortgage Refinance!* Reasons to refinance include the opportunity to lower your monthly payment, build equity faster by shortening your remaining loan term, or switching from an adjustable rate to a fixed rate. No matter which refinance option you choose, you'll benefit from these features:

  • The Right Loan Term for Your Individual Needs
  • Fixed Rates - Contact a Loan Officer for Current Rates
  • Low Closing Costs*
  • No Penalty for Principal-Only Payments
Our goal is to make the mortgage process easy to understand, and more affordable for our members. Contact a Loan Officer today at 216-581-5581 for current rates, details, and to get your application started!

*APR=Annual Percentage Rate. Contact a Loan Officer for current rates. Closing costs are estimated based on the information you provide, and may be subject to change. Property must be 1-4 family residential. Loan term is either 15 years for the 15-Year Mortgage Refinance or 20 years for the 20-Year Mortgage Refinance. Payments do not include taxes or insurance. Minimum credit score required is 640. Minimum loan amount is $25,000. Maximum loan to value is 85%. Subject to credit approval. Consult a tax advisor for the deductibility of interest. Rates, offers, and promotions are subject to change without notice.

Payment Examples: A sample monthly payment for a $100,000 15-Year Mortgage Refinance at an APR of 6.50% is approximately $873.47 per month for 180 months. A sample monthly payment for a $100,000 20-Year Mortgage Refinance at an APR of 6.96% is approximately $775.14 per month for 240 months.

Loans FAQs

Light Bulb Financial Wellness Tip: Weekly, bi-weekly, or semi-monthly payroll deduction payments will reduce the total amount of interest paid over the life of the loan. Contact a Loan Officer to learn more.

Other Purchase and Refinance Options

Through our partnership with myCUmortgage®, we are able to provide our members with other mortgage lending options that offer the highest level of service and expertise, delivered by experienced mortgage professionals.

Since 2001, myCUmortgage® has been a leading Credit Union Service Organization (CUSO) and has made it their mission to help credit unions, like ours, administer the programs needed to fulfill their members' mortgage lending needs.

With options including Conventional, FHA, VA, and a first-time homebuyer program, we'll fit the best mortgage product to your unique needs.  Contact a Loan Officer at 216-581-5581 or view rate information, access educational materials, and begin the prequalification process today! 

Here's what Paul B. had to say about his recent purchase experience:
"Beth was very helpful. I tried two other companies, but no luck. She was very helpful, polite, and a pleasure to work with. I will recommend her and the company for sure."   

We know that buying a home is one of the most important financial decisions you will ever make.  Learn more about understanding the basics of obtaining a home mortgage.