Home Loan Refinance
If you’re looking to lower your monthly payment, get a better rate or use the equity in your home, our team is here to help with flexible refinancing options.
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Discover your Options
Whether it’s a lower rate or extra cash, we’re here to help find the option that works best for you. Talk to a Mortgage Loan Officer today to learn more.
Meet our Mortgage Loan Officers
View Current Rates
See our fixed and adjustable mortgage rates for a variety of loan terms and amounts.
View Current Rates
How much can you afford?
Figure out your monthly payment based on the interest rate, loan amount and term.
Mortgage Payment Calculator
What do you need to apply?
Gather the documents you’ll need to start your application online.
Mortgage Application ChecklistHome Loan Refinancing Made Easy
We’re on your side when you’re ready to refinance.
Apply Now
Apply online, give us a call at 800-445-6289 or visit a branch today. We can walk you through your options and see what you qualify for. Also, view our Home Refinancing FAQs.
Lock in Your Rate
Once you qualify for a new loan, we’ll guarantee your rate. This protects you if interest rates go up during the application process.
Underwriting and Appraisal
We verify the details about your home and your financial situation, and in some cases, we’ll appraise your home’s value with an onsite visit.
Close on Your New Loan
A few days before your loan closes, we’ll send you the final numbers. Then, you can sign off on your new home loan refinance.
Related Tools & Resources
Mortgages
Whether it’s your first home or your 40th, our mortgage loan officers are here to help you at every step of the way. We service many of the loans we approve, so you’ll always get great customer service.
Compare Mortgages
Compare fixed-rate, adjustable-rate and jumbo mortgages and find the loan that’s right for you.
Mortgage Application Checklist
Find out which documents and information we need to complete your VyStar mortgage or home loan application.
Call 904-777-6000
Visit a BranchAll loans are subject to credit approval. All rates are based on an evaluation of the member’s individual credit history. Terms are subject to conditions and verification restrictions may apply. All credit union programs, rates, terms and conditions are subject to change at any time without prior notice.
Disclaimer: Certain restrictions and limitations apply. All loans are subject to credit approval.
VyStar Credit Union Mortgage & Home Equity SMS Alerts:
VyStar Credit Union offers SMS alerts for its mortgage & home equity loan applicants and borrowers including:
1. In process mortgage application updates such as confirmation of application received and approval status.
2. Existing mortgage application alerts and reminders for payments due or payments applied to escrow items.
You can cancel the SMS service at any time. Just reply with "STOP" to any incoming message. After you send the SMS message "STOP", we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages regarding your mortgage accounts. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 800-445-6289.
Carriers are not liable for delayed or undelivered messages
As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency will vary depending on what alerts you have opted to receive. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
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