Refinancing Your Home

Thinking of refinancing? We're here to help.

Refinancing your mortgage with UBT can help lower your monthly payment or shorten the life of your loan.

What can refinancing do for you?

Get a better interest rate

Rates are still near historic lows, so now may be a great time to refinance.

Lower monthly payments

A lower rate or longer term may help lower your monthly payment.

Pay it off sooner

If you have a 30-year home loan, refinancing to a 15-year mortgage might be a good choice. You’ll pay it off sooner and pay less in interest. 

Use your home’s equity

With a cash-out refinance, you can tap your home’s equity to get funds for whatever you choose. This is also a good option for consolidating debt. 

Check Rates & Get More Information

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Mortgage Calculator

Should I refinance my home?

Our refinancing calculator is designed to take into account refinancing costs, current interest rates, and how long you plan to stay in your home.

90% Cash-Out Refi

Get more out of your home’s equity

You may qualify for a cash-out refinance for up to 90% of your equity – most banks will only lend to 80% - and at a competitive rate. For example, suppose your home is worth $250,000, and you currently owe $100,000 on your mortgage. With a 90% cash-out refi, you could finance a new mortgage in the amount of $225,000 (or 90% of your home's value) and get $125,000 of it in cash. 

What can an extra 10% do for you?


Loan products subject to credit approval.