Make a Payment Rates About Careers Contact Locations As Wisconsin's #1 Mortgage Lender, we’ve helped thousands of people build wealth by getting a home – and by lowering monthly payments! Whatever you’re hoping to achieve with your savings, a refi 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.
  • Enjoy set monthly payments when you go from an Adjustable-Rate Mortgage to a fixed rate.
  • 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 and with less interest.
Ready to get started? Our Mortgage Loan Officers will get back to you in less than a day after you apply! Pay off your home quicker and save on interest with an Express Mortgage Refi. Plus, you can also consolidate higher-interest debt and free up funds to help you work toward other big moves.
  • Our shortest terms (8, 12 and 20 years) help you pay off your mortgage faster.
  • Our lowest-interest payments put more money directly toward your loan
A Traditional Mortgage Refi allows you to access your home’s equity with a cash-out refinance or consolidate higher-interest debt.
  • A wide variety of loan terms means you can find the solution to your unique goals
  • Lower loan-to-value ( Your Loan-to-value (LTV) ratio, is your mortgage balance divided by the appraised value of your home. For example, if it's 80%, that means you have at least 20% equity in your home. ) requirements make it easier to lock in a low rate
Submit your application and you'll hear from a Mortgage Loan Officer in less than a day after you apply! We’ll help guide you through the process and keep you updated every step of the way. Not to mention, after your mortgage is set, we’ll still be here to help you achieve what’s next. And, with local service, it’s even easier to get answers when you need them. 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. Featured Products Certificates Checking Accounts Home Equity Loans Home Loans Business Banking Certificates Checking Accounts Home Equity Loans Home Loans Business Banking Financial Education Upcoming Events Programs Tools & Calculators On-demand Webinars Podcasts Upcoming Events Programs Tools & Calculators On-demand Webinars Podcasts About Equity in Money™ About Summit Careers News Community Giving Equity in Money™ About Summit Careers News Community Giving Help & Support Contact Us Member Support Center Schedule an Appointment Find a Branch Contact Us Member Support Center Schedule an Appointment Find a Branch Please read the following before proceeding to: The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. NCUA Insurance Estimator Privacy, Security & Accessibility Rates, Fees, Terms & Disclosures Routing Number *  The Wisconsin's #1 Mortgage Lender designation is based on the number of loans in 2022, 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 2023. Copyright 2024 © 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