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Our University Avenue, Pampas Lane and Embarcadero Road Branches are open M-F from 10-4. Our Redwood City, Tresidder and Medical Center Branches are closed indefinitely in response to the Governor’s shelter-in-place mandate. All other banking services are continuing as usual. Please contact us 24/7 at 888.723.7328 with questions or concerns, or send a secure Message through Online or Mobile Banking. COVID-19 Updates.

Alert Notification Icon

Our University Avenue, Pampas Lane and Embarcadero Road Branches are open M-F from 10-4. Our Redwood City, Tresidder and Medical Center Branches are closed indefinitely in response to the Governor’s shelter-in-place mandate. All other banking services are continuing as usual. Please contact us 24/7 at 888.723.7328 with questions or concerns, or send a secure Message through Online or Mobile Banking. COVID-19 Updates.

Refinance Loans

Refinancing a mortgage can lower your monthly payments

Reduce your interest rate, or give you cash from the equity you’ve built. But it’s not right for everyone. A mortgage refinance will have fees associated with it, usually $1,500 to $4,000, and if you’re planning to move in the next few years, it may not make sense–use our calculator below to see for yourself.

Refinance Loan Highlights

Refinance Loan Highlights

  • Owner-occupied, second homes and investment rental properties
  • Fixed-rate and adjustable-rate mortgages (ARMs)
  • Conforming and jumbo loan amounts
  • Low fees (no junk fees)
  • No pre-payment penalties
Free Credit Report

Get a free personalized Total Cost Analysis to compare different options

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(we have one for investors, too!)

Save $675 in mortgage fees with an Ambassador-Level Membership Rewards relationship!

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All loans subject to credit approval. Membership eligibility required.

Home Mortgage Disclosure Act (HMDA) Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.