Mortgage Refinance

When it comes to home loans, sometimes the second time's a charm

The best thing you can do for your home? Sometimes it's replacing a roof. Sometimes it's redecorating a room. And sometimes it's taking a hard look at your mortgage and seeing if improvements are possible. At CoastHills, our Mortgage Loan Officers will gladly crunch the numbers to to see if there are ways for you to save money or obtain more favorable terms by refinancing your current loan.

Already have an application? Check your borrower portal for updates on your loan.

Cut costs

You may be able to reduce your monthly payments if interest rates have dropped.

Lose a few years

Switching to a shorter loan can reduce your overall interest charges and help you eliminate debt faster.

Switch to rock-solid rate

Exchange your adjustable-rate mortgage for a fixed-rate loan to eliminate the risk of rate increases.

Tap into equity

Refinance for more than you owe on your mortgage and acquire extra money for projects, purchases or anything else.

Added incentive

We have no-closing-cost refinancings available. Ask our lenders for more information.

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.

1No closing cost options available. Member pays for appraisal and credit report (to be refunded at the close of escrow) and all prepaid closing costs (prepaid interest, property taxes, hazard insurance and impounds). Contact a Mortgage Loan Officer at (855) 774-5626 for details.

*Subject to credit approval. Some restrictions may apply.


Your questions answered

By setting up automatic payments on any loan, you're reducing your risk of missing a payment which could result in late fees. For help in setting up autopay, visit any of our 12 Central Coast locations, or call us at (805) 733-7600

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No matter your inquiry, give us a call at (805) 733-7600, toll-free at (800) 262-4488, or use one of our other convenient contact methods.