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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.

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Lower Your Payment

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Reduce the Loan Term

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Consolidate Debt

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Make Home Improvements


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We have been members for years. We enjoy the friendly service, good rates and local business.

- Cora O.

Thinking about refinancing?

See if it’s time to refinance with our helpful calculator.

Rates

Mortgage and Mortgage Refinance Loans
Mortgage and Mortgage Refinance Loans

Terms

Rate

APR*

Points

1-Month Payment*

Learn more about Mortgage and Mortgage Refinance Loans

The Annual Percentage Rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year Adjustable Rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $180,000.00, and a property located in Multnomah County, Oregon.

The Annual Percentage Rates (APRs) for the Homeroom and Just for Starters Fixed Rate Loans are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $240,000.00 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 a purchase of a single family, owner occupied residence with a down payment of 25%, a loan amount of $500,000, 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 $745.00 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 740 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 down payment or 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

4.125%

APR*

4.220%

Points

0.250%

1-Month Payment*

$872.37

Terms

30 Year Jumbo Fixed Rate

Rate

4.250%

APR*

4.295%

Points

0.000%

1-Month Payment*

$2,213.73

Terms

15 Year Fixed Rate

Rate

3.625%

APR*

3.770%

Points

0.125%

1-Month Payment*

$1,297.87

Terms

Homeroom

Rate

5.375%

APR*

5.447%

Points

0.000%

1-Month Payment*

$1,343.93

Terms

Just for Starters

Rate

5.375%

APR*

5.447%

Points

0.000%

1-Month Payment*

$1,343.93

Terms

5/5 ARM

Rate

3.875%

APR*

4.761%

Points

0.250%

1-Month Payment*

$846.43

Terms

5/5 Jumbo ARM

Rate

3.875%

APR*

4.710%

Points

0.000%

1-Month Payment*

$2,116.07



Find your perfect new home.

Our local team of mortgage experts is here to help you get started. Connect with a Mortgage Officer today.


Home Refinancing FAQs

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Disclosures

All OnPoint loans are subject to credit terms and approval.

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