Refinancing Made Easy

POPA Federal Credit Union offers home loan refinancing customized to your needs. We support converting your equity to cash for debt consolidation, home improvement, and personal needs. With assorted loan terms you can get the best rate along with peace of mind

Curious About the Process?

Scroll through our helpful guide below.

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Ready to Apply?

Get started by completing our online application.

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Schedule Time with an Expert

Ask one of our customer service representatives.

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Weigh the Pros and Cons

Weigh the Pros and Cons

If there has been a change in your finances, mortgage rates, or housing plans then a refinance might be a good choice. Check out our refinance calculator or call a loan officer to see if a refinance is the right move.

How Much Could You Save?

Annual Savings*

Monthly Payment Savings*

New Monthly Payment*

Difference in Interest*

*View calculation assumptions and disclosure.

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Get Your Documents Together

Get Your Documents Together

Getting your documents ready makes the application and approval process easier. Don't sweat the exact list until your loan has been reviewed for underwriting though. Many of our loan programs offer reduced documentation requirements!

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Complete the Application

Complete the Application

To complete the application you can Apply Online, set an Appointment for an interview or Contact us. The process is easy and we are here to assist you every step of the way.

Get a Loan Estimate

Get Prequalified and Receive a Loan Estimate

Review loan program terms, fees and the closing costs for your proposed loan to make sure the terms and payment are a good fit. Review the Loan Estimate (LE) to understand the details of your loan terms. The LE also identifies third party costs that are typical for your type of transaction.

Home Appraisal

Home Appraisal

A professional will determine the estimated market value of your property by comparing it to recent sales in the area. The appraised value is a consideration in determining the amount and terms of your new mortgage.

Formal Offer

Loan Approval

The information and documents will be reviewed to ensure they meet loan program guidelines and identify any remaining verification requirements.

Closing the Loan

Closing the Loan

We will coordinate a final document signing package along with a Closing Disclosure (CD) that will be required to complete the loan process. The "Closing" is typically coordinated with a Settlement Agent to ensure funds are properly distributed and the signed documents are recorded for loan finalization.


Acceleration Clause
Allows the lender to speed up the rate at which your loan comes due or to demand immediate payment of the entire outstanding loan balance should you default on your loan.
Adjustable Rate Mortgage (ARM)
A mortgage in which the interest rate is adjusted periodically based on a pre-selected index. It is also sometimes referred to as the renegotiable-rate mortgage, variable-rate mortgage, or Canadian-rollover mortgage.
Adjustment Interval
On an adjustable-rate mortgage, it is the time between changes in the interest rate and/or monthly payment — typically one, three or five years, depending on the index.
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