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.
- Competitive rates
- Affordable closing costs
- Protection from rising interest rates
- Escrow for taxes and insurance available
- Learn more in our Resource Center
- Contact us at 800-667-5202 to learn more or apply below
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.
- Competitive rates
- Affordable closing costs
- Make your payments at any of our locations or online
- Escrow for taxes and insurance available
- FREE Internet Banking, e-Notices, PCB Mobile, PCB Line, and automatic payments
- Learn more in our Resource Center
- Contact us at 800-667-5202 to learn more or apply below
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.
- Affordable closing costs
- Income restrictions apply
- Fixed rate terms available
- Monthly and annual USDA fees apply
- May finance closing costs and pre-paid expenses, if appraised value allows
- Contact us at 800-667-5202 to learn more or apply below
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
- Contact us at 800-667-5202 to learn more or apply below
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
- Contact us at 800-667-5202 to learn more or apply below
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
- Contact us at 800-667-5202 to learn more or apply below
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.
- Borrow up to 85% of appraised value
- Affordable closing costs
- Fixed rate terms available
- No income limitations
- Flexible qualification guidelines
- Consolidate debt
- Receive Cash Out
- Upfront and monthly private mortgage insurance premiums will apply
- Learn more in our Resource Center
- Contact us at 800-667-5202 to learn more or apply below