Home refinancing

Unlock possibilities and lower your payments.

If you’re looking to refinance your current mortgage, we’ve got the loan to help.

By refinancing your mortgage at a lower interest rate, you could lower your monthly payments or pay off your loan sooner. With OnPoint, you get more flexibility in your budget and more control of your mortgage payments.

Lower payments

Change loan term

Consolidate debt

Home improvements

Rates

Mortgage Refinance Rates

Mortgage Refinance Rates
Terms	Rate	Annual percentage rate (APR)	Points	1-month payment*
Learn more about mortgage refinance loans View mortgage purchase rates The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The annual percentage rates (APRs) for the Homeroom fixed rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan amount of $550,000.00 and located in Multnomah County, Oregon. The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $766,551, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice.
Terms 30 year fixed rate	Rate 6.500%	Annual percentage rate (APR) 6.594%	Points 0.375%	1-month payment* $2,607.28
Terms 30 year jumbo fixed rate	Rate 6.500%	Annual percentage rate (APR) 6.595%	Points 0.500%	1-month payment* $5,097.63
Terms 15 year fixed rate	Rate 5.625%	Annual percentage rate (APR) 5.810%	Points 0.625%	1-month payment* $3,397.89
Terms Homeroom	Rate 7.750%	Annual percentage rate (APR) 7.850%	Points 0.500%	1-month payment* $3,940.27
Terms 5/5 ARM	Rate 6.500%	Annual percentage rate (APR) 6.769%	Points 0.625%	1-month payment* $2,607.28
Terms 5/5 jumbo ARM	Rate 6.500%	Annual percentage rate (APR) 6.745%	Points 0.500%	1-month payment* $5,097.63
Terms FHA	Rate 6.375%	Annual percentage rate (APR) 6.491%	Points 0.500%	1-month payment* $2,573.46
Terms VA	Rate 6.375%	Annual percentage rate (APR) 6.485%	Points 0.500%	1-month payment* $2,573.46
Terms Rates effective:	Rate July 11, 2025	Annual percentage rate (APR)	Points	1-month payment*

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