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Mortgage Refinancing

Leverage Equity. Finance Smarter. Save Money.

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Mortgage Refinancing

Leverage Equity. Finance Smarter. Save Money.

Refinancing your current mortgage loan can help you lower your interest rate, consolidate other debt, eliminate mortgage insurance, or even simply change the term of your mortgage. It’s your opportunity to leverage the equity you have in your home for new needs.

At Radiant, our mortgage experts can help you find the right solution for your needs and maximize the equity you’ve built in your home. And they’ll be with you every step of the way.

Reasons to Refinance

  • 60-day rate lock.

  • Lower your interest rate or monthly payments.

  • Change from an Adjustable-Rate Mortgage to a Fixed Rate Mortgage.

  • Use your home's equity to make needed or valuable additions.

  • Consolidate high-interest debt to improve your credit

Mortgage Application Checklist

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Homeowners Insurance

If you change companies for your homeowners insurance please upload the new policy information.

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Mortgage Blogs

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Subject to credit approval. Property insurance required; an appraisal, flood and/or title insurance may be required.  Must be a Radiant Credit Union member to borrow. Membership at RCU requires a savings account with a minimum balance of $5.00.  Borrower making a down payment of  less then 20% of purchase price will need mortgage insurance.  If Radiant Credit Union pays your closing costs and you pay off and close your line within 36 months, you must reimburse Radiant Credit Union in the amount of the fees paid by us.  Closing costs generally total between $0.00 and $2,500.00.

Our Members are Talking

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.
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