Refinance a Mortgage

Fixed Rate Home Loans

Refinancing a fixed rate mortgage to a lower interest rate can be a smart financial decision if you plan to stay in your home for the foreseeable future or if the potential savings is significant.

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Adjustable Rate Loans

Our adjustable rate mortgages offer flexible terms, low closing costs and quick closings. Whether you are remodeling your home, consolidating debt or lowering your interest rate, PCB can design a loan to meet your needs. 

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Rural Development Refinance

If you have an existing Rural Development loan, you may be eligible to lower your interest rate and monthly payment. Contact a mortgage loan specialist for more information regarding eligibility requirements. 

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VA Interest Rate Reduction Refinancing Loans (IRRRL)

If you have an existing VA loan and want to lower your rate and payments, the VA loan offers homeowners more flexible qualification requirements compared to conventional loans. 

  • Borrow up to 100% of appraised value, not to exceed existing loan payoff balance plus closing costs
  • No private mortgage insurance
  • Fixed rate terms available 
  • Closing costs and escrows can be rolled into the loan
  • No appraisal required, in some cases
  • Reduced VA funding fee
  • VA funding fee may be waived for qualified disabled veterans
  • Loan must be at a lesser interest rate or must be a refinance from an adjustable rate to a fixed rate
  • Apply online or contact us

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VA Cash Out Refinance

Pulling equity out of your home is made easy with a VA cash out refinance loan. This refinance loan allows most qualified active duty and veterans of the U.S. Military or National Guard to refinance their current VA or conventional mortgage. 

  • Borrow up to 90% of appraised value
  • No private mortgage insurance
  • Fixed rate terms available
  • Closing costs and escrows may be rolled into the loan
  • VA funding fee can be rolled into the loan
  • VA funding fee may be waived for qualified disabled veterans
  • Apply online or contact us

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FHA Rate and Term Refinance

Are you looking to lower your rate and payment, but don't have a lot of equity in your home? A Federal Housing Administration (FHA) loan offers homeowners more flexible qualification requirements compared to conventional loans.

  • Borrow up to 97% of appraised value
  • Affordable closing costs
  • Fixed Rate terms available
  • No income limitations
  • Closing costs and escrow can be rolled into the loan
  • Upfront and monthly private mortgage insurance premiums will apply
  • Contact us for an application
  • Learn more in our Resource Center

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FHA Cash Out Refinance

Pulling equity out of your home has never been easier than with a FHA cash out refinance loan. This refinance loan allows borrowers to refinance their current FHA or conventional mortgage using flexible qualifying guidelines.

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