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Belco's Online Banking

See your home through fresh eyes with a mortgage loan refinance from Belco Community Credit Union.

Refinancing your home loan isn’t just a great way to save money, but an excellent way to make the most of your monthly budget. Benefits of refinancing your higher-rate mortgage through Belco Community Credit Union include:

  • Lower monthly payments
  • Affordable interest rates
  • Personalized assistance from our local lending team
  • A wide variety of loan programs and flexible options

Mortgage Loan Refinance Rates

For current rates, contact us at 717.720.6286, or email mortgages@belco.org

Your mortgage loan refinance quote is entirely personalized for you. Our lending team can assess your current mortgage and determine which refinance option will best meet your overall goals and budget. Visit our Mortgage Center to get started or apply online. 

Mortgage Loan Refinance Calculator

Wondering how much you will save with a mortgage refinance? Try the Belco Community Credit Union mortgage refinance break-even calculator where you can input details about your specific loan and instantly get a report with estimated monthly savings, and how long it will take to break even after paying closing costs.

Home Loan Refinance Frequently Asked Questions

When is the best time to refinance my mortgage?

The best time to refinance your mortgage is when you feel the most comfortable in your financial situation, but also carrying a mortgage with a higher than average interest rate. Speak with a loan officer or member services representative for additional information on the best time to refinance. 

Are there any reasons why I should not refinance my mortgage?

Refinancing your existing mortgage at a lower rate can save thousands over the life of the loan. However, it is not recommended to refinance your home if the long term costs will outweigh the savings. 

For homeowners who don’t plan to stay in their home for much longer, or who are close to paying off their mortgage, a refinance might not offer much savings.   

Check out the Belco mortgage refinance break-even calculator to help determine what is best for you or get in touch with our team at mortgages@belco.org.

Fall In Love With Your Home All Over Again  

Not all mortgages are created equal, and not all mortgage loan refinance lenders can offer the best fit for your lifestyle. That’s why the loan officers at Belco Community Credit Union work hard every day to discover the perfect financial match for your home, family, and lifestyle.

If you aren’t sure which of our many options are right for you, trust one of our licensed mortgage officers.  We’re here to help. 

Visit our Mortgage Center to apply online. For current rates, contact us at 717.720.6286, or email mortgages@belco.org


** This is not an offer to extend consumer credit as defined by section 226.2 of Regulation Z. Rates and terms are subject to change without notice. All applicants are assessed following a completed application. Equal Housing Lender. All loans subject to credit approval.