Mortgage Refinance

Central Minnesota's Mortgage Leader

We can help you refinance your current mortgage to help lower monthly payments, lower your interest rate, or even take cash out for large purchases. Whatever your reason, our Mortgage Loan team works with you to help you reach your goal. The team will help guide you through the entire process, from application to closing.

Apply Today!

Get started by filling out an application or using a calculator to estimate your monthly payments.


Learn about the CMCU mortgage programs and officersLearn More

Frequently Asked Questions (FAQ)

How long does the refinance process take?
There is no set amount of time a refinance mortgage can take. Every refinance situation is different and unique to the needs of our members. Factors that may affect the length of time your refinance takes are: the type of loan, the loan terms, the type of documentation needed to secure the loan and the length of time it takes to get your lender the required documentation.
Your CMCU mortgage lender will work closely with you so that your deadlines are met and rate locks are honored.
Do I need to get a home appraisal in order to refinance my home?
Can I get extra money at closing to pay off additional debt?
How does my credit rating affect my home loan interest rate?
Can I pay my mortgage online?
Can I make additional payments to the principal balance of my loan?
Can I pay off my mortgage early?
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