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Refinance

Lower your mortgage rate and in turn, your monthly payments with the help of STC Capital Bank. Our Home Loan Consultants will guide you through the refi process, fitting you with the best refinance option based on your needs.

We offer conventional, HARP, and Jumbo Loan refinancing with competitive rates and a wide range of terms in between. We handle all decision-making and processing locally, keeping a refinancing solution just around the corner.

Learn more or apply today through STC's home loan website.

Conventional Refinancing
  • Benefit from a lower home mortgage interest rate and reduced monthly payments
  • Pay less over the lifetime of the loan
  • Accommodating repayment terms, custom-tailored to each client's situation
  • Bring limited costs, or even no costs, to closing
  • Friendly, experienced service from start to finish
  • Local decision-making and processing
HARP Refinancing Program
  • Available for people who have been unable to get traditional refinancing due to the value of their home declining
  • Allows any loan-to-value ratio to refinance
  • Reduce your monthly payments
  • Pay less over the lifetime of the loan

HARP Eligibility*

You may be eligible for HARP if you meet all of the following criteria:

  • The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.
  • The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.
  • The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.
  • The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months.

If your loan is owned by Freddie Mac, you may check your potential eligibility for HARP here.

If your loan is owned by Fannie Mae, you may check your potential eligibility for HARP here.

*Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you are eligible for HARP.

Jumbo Loan Refinancing
  • Available on mortgage loans exceeding conventional conforming limits
  • Lower your rate from what it is currently
  • Reduce your monthly payments
  • Pay less over the lifetime of the loan
Cash-Out Refinance
  • Receive a lump sum when you close your refinance.
  • Loan proceeds are first applied to your existing mortgage(s), including closing costs and prepaids.
  • The remaining funds are yours to use.