Home Refinancing

Rate and Term Refinance

Explore a better mortgage option with a TruWest rate and term refinance. This option is great to pay off your mortgage faster by shortening the term of your current mortgage or if you want to simply refinance to lower your monthly payment.


home refinance options for families

cash out home refinance

Cash Out Refinance

Access the equity in your home for all of your lifestyle needs. Whether you’re looking to remodel your home or need to make a large purchase, TruWest can assist you.

  • Fixed-rate loans available with terms up to 30-years
  • Adjustable-rate loans with 5/1, 7/1 and 10/1 available
  • Up to 80% loan to value for loans up to $766,550
  • Up to 75% loan to value for loans greater than $766,550
  • Loans up to $2.5 million2
  • For major expenses such as medical bills, taking a vacation, student loans and more


1On approved credit. Up to Fannie Mae Guideline limits on fixed rate products.
2Subject to to change. Cash out/Cash back to borrower limitations apply, currently set at $500,000 cash back limit.
Must qualify as a TruWest member. Financing solutions not available in AK, HI, LA, SC, VT, and WI. Condominium financing not available in NY and with restrictions in certain areas in FL. All loans subject to credit approval and program, eligibility, terms, conditions, and restrictions. Programs, rates, restrictions, terms and conditions are subject to change without notice. NMLS ID 640299

Online and Mobile Banking Maintenance

Online Banking will be unavailable on Tuesday, April 23 from 8:00 AM (AZ/MST) through Tuesday, April 23 at 9:30 AM (AZ/MST), as we perform routine maintenance.