Easy Refinance. Great Rates. Trusted Experts.

Refinancing with Wellby Financial could help you save big or access cash to fund your financial goals.

Your Refinance, Your Way

As an award-winning credit union, we make refinancing simple—with affordable options, personalized guidance from local experts, and better rates that help you keep more of what’s yours.

Refinancing With Wellby Can Help You:

  • Lower Your Monthly Payment
    Reduce your interest rate or extend your term to free up more room in your budget.
  • Tap Into Your Equity
    Use a cash-out refinance to turn your home’s value into funds for renovations, debt consolidation, or big life goals.
  • Pay Off Your Mortgage Faster
    Shorten your term, save on interest, and own your home sooner.

Refinance Solutions for Every Homeowner

  • Fixed-rate
  • Adjustable-rate
  • FHA Loans
  • VA Loans

Not sure which is right for you? Our experts will walk you through your options and help you choose the best option for your needs. 

See How Much You Could Save

Run the numbers in less than a minute with zero impact to your credit score.

Ready to Refinance? You're in Good Hands.

Step 1 Icon

Apply Online
Start your application and get pre-qualified within one business day.
Step 2 Icon

Get Personalized Guidance
A dedicated Wellby mortgage expert will walk you through your options and help you choose the right refinance for your goals.
Step 3 Icon

Close With Confidence
Sign, close, and start benefiting from your better loan terms.

Why Homeowners Refinance with Wellby

95% of members* would recommend Wellby for their mortgage needs—because trusted guidance, better rates, and fewer fees make all the difference.

*Based on surveys from members with a mortgage product who completed a transactional survey.

Your Refinance Starts Here

Start your application, and get a better deal on your mortgage with Wellby.

APR = Annual Percentage Rate

 

A refinance loan amount of $250,000 for 30 years at 6.500% interest rate and 6.876% APR, will have an estimated monthly payment of $1,580.17. This payment example does not include annual taxes or annual insurance and is for illustrative purposes only. The rate provided is the interest based on a loan amount of $250,000, owner-occupied, single-family 1-unit dwelling, 80% LTV, and a FICO score of 700. Please speak with a Wellby mortgage specialist for more details.

 

Your rate and term depend on your unique credit rating, combined loan-to-value, amount financed, and other factors. Subject to credit approval and proof of income required. Rates and terms are subject to change without prior notice. Other restrictions apply. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. For additional mortgage program information and loan criteria and loan terms, call (281) 488-7070.