MORTGAGE REFINANCE
REFINANCE YOUR MORTGAGE. REIMAGINE YOUR FUTURE.
Whether you’re looking to reduce your interest rate and lower your monthly payment, tap into your home equity, or restructure your loan term, SSSCU is here to help guide you every step of the way.
30-YEAR
UNLOCK FINANCIAL FLEXIBILITY
We offer both fixed-rate and adjustable-rate refinance options with a range of terms, giving you the flexibility to choose what works best for your budget and long-term plans. Here’s what we offer:
- Competitive rates
- Flexible terms
- Variety of mortgage options
- Quick decisions
- Experienced team of local Mortgage Loan Officers
FINDING THE RIGHT HOME LOAN IS AS EASY AS 1-2-3
You can find the mortgage that works best for you in a few easy steps:
- Choose your mortgage advisor. We’re locals who know the market.
- Select a loan. Your advisor can help you explore your options.
- Share your details. Our online loan application is simple and easy.
This calculator is being provided for educational purposes only. The results are estimates and may not reflect final SSSCU financing terms. The information does not constitute an application for credit and cannot be used by SSSCU to determine a member's eligibility for a specific product or service.
MEET OUR MORTGAGE LOAN OFFICERS
Our loan experts are local to the Las Vegas Valley, available to answer questions, and ready to guide you.
JEWLIAN AVILA
NMLS# 1817423
javila@silverstatecu.com
702.844.9586
MORTGAGE REFINANCE FAQs
In many cases, yes. There’s no limit to how often you can refinance, though timelines and benefits vary. Our lending team can help you assess if it’s a good financial move.
Yes. Cash-out refinancing is a common way to fund home improvements, consolidate debt, or cover major expenses.
Like your original mortgage, refinancing comes with standard closing costs. Our team can walk you through what to expect before you apply.
EXPLORE OUR MORTGAGE OPTIONS
FHA Home Loans
Discover low down payments and flexible terms with our FHA loan options. Your key to affordable homeownership.
VA Home Loans
Discover the benefits of VA home loans for veterans and active-duty service members. Competitive rates and flexible terms.
Educators+ Homeownership Program
Unlock homeownership with specialized mortgage programs for teachers and staff. No down payment required.
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Mortgage Loan Rates can change at any time and without notice.
1The disclosed APR* is based on the payment of 1.000% origination point. For example, a $400,000 loan with a 5.8654% APR* with a 360-month repayment term, the estimated monthly principal and interest payment is $2,334.29.
2Interest rate quoted assumes a purchase with 30-day lock pricing at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment amount may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Minimum credit scores apply. Not all applicants will qualify.
3Annual Percentage Rate (APR).
All loans are subject to credit approval, verification, and collateral evaluation. Other terms and conditions may apply, ask for details. Down payments as low as 3% available. For the 3% down payment option, at least one borrower must be a First Time Home Buyer, otherwise a minimum 5% down payment is required. A 20% down payment is required to avoid Private Mortgage Insurance (PMI). Silver State Schools Credit Union (NMLS ID#382004) is located at 630 Trade Center Drive, Las Vegas, NV 89119, and can be contacted at 702.733.8820. Our Mortgage Loan Origination Officers are licensed through the National Mortgage Licensing System (NMLS).
Membership eligibility is required. Must be a Silver State Schools Credit Union member to borrow. Membership at SSSCU requires a savings account with a minimum.
