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Refinancing Is About More Than Just Rates Many homeowners think refinancing is only worthwhile when rates drop—but timing a refinance isn’t just about chasing numbers. It’s about aligning your mortgage…
¹ APR based on a VA 30 Year 3/1 Hybrid ARM loan amount of $500,000, 780 FICO score with 1% origination fee, 1.814% discount points, exempt from VA Funding Fee, a Loan to Value of 75% plus a $495 underwriting fee financed into the loan. Rate is subject to adjustment after 36 months and may adjust a maximum of 1.000% per year with a lifetime interest rate adjustment cap of 5.000% based on an index currently at 4.220% plus a margin of 2.250, but will not exceed 8.750% during the life of the loan.
² APR based on a VA 30 Year Fixed Rate Mortgage loan amount of $500,000, 780 FICO score with 1% origination fee, 2.235% discount points, exempt from VA Funding Fee, a Loan to Value of 75% plus a $650 underwriting fee financed into the loan.
³ APR based on a VA 15 Year Fixed Rate Mortgage loan amount of $500,000, 780 FICO score with 1% origination fee, 1.668% discount points, exempt from VA Funding Fee, a Loan to Value of 75% plus a $625 underwriting fee financed into the loan.
* Programs, rates, terms, and conditions are available as of 12/9/2025 and are subject to change without notice.



