Virtual Branch Online Banking

Mortgage Refinance

Mortgage Refinance

Apply for a Mortgage

Get started with your digital mortgage refinance experience.

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 as well. Whatever your goals, we’re here to help.

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.

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.

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!

Latest News

Become a Member

You are now leaving Choice One Community Credit Union

Choice One Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Choice One Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL