Tony and Lisa, SF Natives.
Putting them first since 1991.

Mortgage Rate Modification

Lower your mortgage rate without refinancing

Have interest rates dropped since you financed your home loan? Get a lower interest rate without the hassle of refinancing.

Why Get a Mortgage Rate Modification?

Get a

What is a Mortgage Rate Modification?


With a mortgage rate modification, you can get a lower interest rate without refinancing.

If interest rates have dropped since you financed your home loan, you can save time and money with a mortgage rate modification.Β 

Unlike refinancing, our mortgage rate modification process is fast and easy. Don’t worry about collecting documents, getting an appraisal, or costly closing costs.

Simply fill out this form to see if your mortgage qualifies.


A few things to know

Rate modifications are only available for owner-occupied mortgages.

Cash-out refinances are not available with a rate modification.

Only one rate modification request can be submitted per 12-month period.

Mortgage Rate Modifications have a low, one-time fee of $995.

You can modify a fixed-rate or adjustable-rate loan to a fixed-rate loan (a fixed-rate loan cannot be modified to an adjustable-rate loan).

Adjustable-rate loans that are modified to an adjustable-rate loan can only be modified during the initial fixed-rate period of the loan.

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Jumbo Loans

Understanding jumbo loan limits

Average home prices in the Bay Area can be quite high. Find out if a jumbo loan is the right option for you.

Learn More


Thinking about refinancing your mortgage?

Refinancing your mortgage can be a great idea if interest rates are low. Here's what you should know before you start the process.

Learn More

Let's Talk

As a local credit union, we want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.


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