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As Wisconsin's #1 Mortgage Lender, we’ve helped thousands of people build wealth through homeownership – and by lowering monthly payments! Whatever you’re hoping to achieve with your savings, a refinance is a great way to move forward financially. Your mortgage is often one of your largest expenses. And, by refinancing to get a new rate, you could save thousands! Plus, enjoy a range of benefits depending on what you’re looking to achieve, like:
  • Take advantage of a lower rate and lower monthly payments so you can save for other goals.
  • Switch from the potentially rising interest rate and payments of an Adjustable-Rate Mortgage (ARM) Offers a low payment for an initial term, then your rate and payments may go up or down after that. to the stability and savings of set monthly payments with a Fixed-Rate Mortgage. Offers an interest rate that stays the same over your loan term so you know what your payments will be.
  • Access your home’s equity with a cash-out refinance and use that money to fund other “to-dos,” like paying off higher-interest debt or consolidating all your payments into one easy payment.
  • Choose a shorter term to pay off your mortgage faster -- which means less interest and more savings.
Ready to get started? With so many refinancing options, there’s sure to be a Summit Credit Union mortgage that’s perfect for you and your goals. Let’s help you find it. You can do a quick (ARMs) as you get started, too! 
 Choose from 8-, 12- or 20-year terms – shorter than a traditional refinance, with our lowest-interest payments, to save you big on interest. Plus, no or low closing costs!Explore if:
  • You’re looking for the shortest loan term possible to pay off your mortgage faster.
  • You want more money going directly toward your loan to max your interest savings.
  • You want to consolidate other high-interest debt and free up funds to help you work toward other big moves.
  • You want an extra speedy loan turnaround -- even faster than our traditional refinance!
Your interest rate stays the same over your loan term (30, 20, 15 or 10 years).Explore if:
  • You love the stability of knowing your exact payments.
  • You expect to stay in your home for a while.
You lock in a low payment for an initial term (from 3 to 15 years), then your rate and payments may go up or down after that.Explore if:
  • You’re looking for a more affordable payment early on.
  • You don’t plan to stay in your home for the long haul.
Turn your home’s equity into money for anything you need by creating a new mortgage loan, which you use to pay off your previous mortgage and other debt or keep the difference in cash.Explore if:
  • You have built up equity in your home from paying down your mortgage.
  • Your home value has gone up.
This Adjustable-Rate Mortgage offers funding beyond the conventional loan limit (currently $766,550), which is set and updated yearly by the Federal Housing Financing Agency. Explore if:
  • You’re looking to refinance a loan over the conventional loan limit. The current limit is $806,500. This amount may change on a yearly basis.
Wherever you’re at in your mortgage journey, reach out! We’re here to talk through your goals and questions and offer guidance so you can move forward, stress-free. We make it easy to connect with us: Over 40 Mortgage Loan Officers In-person, video or phone 800-236-5560 Get Started with the Credit Union That Does More for You More Tools & Resources Turning the key on a new home is easy with free preapproval in as little as 15 minutes. Know how much you can afford so you can confidently make your offer. The potential to grow your wealth is endless when you use your home’s existing equity to say yes to other goals, like a home renovation that adds value to your home or paying off debt! Even if your perfect home is still a work in progress, you can get started with a construction, lot or land loan.
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* The Wisconsin's #1 Mortgage Lender designation is based on the number of loans in 2023, gathered from the Home Mortgage Disclosure Act data compiled annually by the Consumer Financial Protection Bureau. The results of the data were obtained through the LEI: 254900NTAC4H10MGSU23 ** SBA Lender of the Year Award for Credit Unions as awarded by the Small Business Administration of Wisconsin in 2024. Copyright 2025 © Summit Credit Union. All rights reserved. If you are using a screen reader and are having problems using this website, please call 608-243-5000 for assistance. Insured by NCUA