Lower your monthly payments with a mortgage refinance.

Are you paying high monthly payments from another mortgage lender? Refinancing your existing mortgage with Heritage may lower your interest rate or monthly payment.

Our process is fast and simple! Here's what one of our members had to say:

“Within a two week time frame, we were approved and closed on our home loan refinance. It really couldn’t have been easier.”

- Kari, Madison Member

Or, ask a loan officer a question > 


Why should I refinance my mortgage?

Getting a home loan doesn’t mean you’re trapped in that rate or term. Refinancing is a way to pay off your existing mortgage with a new one, potentially with a lower rate or monthly payment. 

Is a mortgage refinance right for you? Here are 5 scenarios in which refinancing could be worth considering >


Refinance break-even point calculator.

Use our refinance break-even point calculator to calculate the number of months to break-even if you refinance your current mortgage.

7 Year ARM Mortgage

3.250% Rate, View all mortgage rates >

Auto Loan

24 Months, as low as 1.99% APR*