Home Mortgage Refinance | Choice One Credit Union

We are happy to announce that our branch lobbies are now open Monday thru Friday for normal business hours. However, will continue to operate drive-thru only on Saturdays. With that being said, the health and well-being of our members and staff remain our top priority. In an effort to help prevent the spread of COVID-19 the coin machine will be out of service until further notice and we continue to encourage the use of contactless options for conducting business, such as drive-thru and digital banking when able.

Make your mortgage loan work for your goals and your budget. Have you noticed our low mortgage loan rates? A Choice One mortgage refinance may enable you to lower your monthly payments, get a better interest rate, or reduce your term to pay off your loan faster. If you’re in need of some extra cash for home improvement projects or other expenses, a mortgage refinance might be your answer. Whatever your goals, we’re here to help.

Want to speak to a Choice One mortgage lender about the best loan for your needs? Call or visit any Choice One branch location.

Apply for a Mortgage

Benefits of Choice One Mortgage Refinancing

A lower interest rate mortgage can help reduce your monthly payment.
A rate reduction can save you interest over the life of your mortgage loan.
Refinance to a lower term to pay off your mortgage sooner.
Consolidate higher-interest debt with a mortgage refi.
Switch from an Adjustable Rate Mortgage (ARM) to a fixed-rate mortgage loan.
Draw on the equity built in your home and get cash out.

Home Mortgage Rates from $50,000 to $510,400

Effective Date 07/10/2020

Rates Shown Include 0.25% Promo Discount and are Subject to Change

Interest Rate	APR*	Info and/or Terms
As low as 3.000%	As low as 3.036%*	30 Yr Fixed - 0 Points
As low as 2.875%	As low as 2.926%*	20 Yr Fixed - 0 Points
As low as 2.625%	As low as 2.691%*	15 Yr Fixed - 0 Points
As low as 2.500%	As low as 2.595%*	10 Yr Fixed - 0 Points
As low as 4.500%	As low as 3.211%*	3/1 Yr ARM - 0 Points
As low as 3.000%	As low as 2.904%*	5/1 Yr ARM - 0 Points
As low as 3.125%	As low as 2.984%*	7/1 Yr ARM - 0 Points
As low as 3.125%	As low as 3.032%*	10/1 Yr ARM - 0 Points

Home Mortgage Rates Greater than $510,400

APR*	Info and/or Terms Effective Date 04/02/2020 Rates Subject to Change
Call For Rates	30 Yr Fixed
Call for Rates	15 Yr Fixed
Call for Rates	3/1 Yr ARM
Call for Rates	5/1 Yr ARM

FHA/VA Loan Rates

Effective Date 07/10/2020
Rates Subject to Change

Interest Rate	APR*	Info and/or Terms
As low as 3.625%	As low as 4.690%*	30 Yr Fixed - 0 Points
As low as 3.625%	As low as 4.919%*	15 Yr Fixed - 0.375 Points
As low as 3.750%	As low as 4.817%*	203K 30 Yr - 0 Points

Mortgage Calculator

Want to get an idea of what your mortgage will cost? We have a calculator that can help you find out! Enter your information and get approximate payments on your mortgage. You can compare different loan terms, interest rates, and products that we have. We even offer an estimate on your closing costs! Check it out here!

Apply for a Mortgage

Apply Today

You can depend on your credit union’s experience to guide you step-by-step through the entire mortgage process. Stop by the credit union to get started or you can apply online. Have questions about refinancing? Call or visit a branch location today. We’ll get you started on a home refinance plan to help meet your goals!

Apply for a Mortgage

View our National Mortgage Licensing System and Registry IDs

*Check with your tax advisor. Mortgage tax-deductible interest eligibility depends on your specific tax situation. Most members qualify.

Expert Advice

What Does Your Homeowners’ Insurance Cover?

Why You Should Carefully Consider Mortgage Refinancing

Planning For College Starts In Your Senior Year

About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!