Compare Mortgage Refinance Rates and Terms

30 Year Fixed Rate

3.625%

Interest Rate

3.808%

APR*
20 Year Fixed Rate

3.625%

Interest Rate

3.721%

APR*
15 Year Fixed Rate

3.125%

Interest Rate

3.183%

APR*
10 Year Adjustable Rate

3.75%

Interest Rate

4.17%

APR*
View More Rates

Rates Current as of 10/19/2019

The Path to Refinancing Starts in 4 Simple Steps

1

Consider

At MHV, we’ll guide you through some considerations before you apply, and help you compare mortgage refinance rates and payment terms to find the best fit for you.

2

Calculate

Use our calculator to determine your monthly payment.

3

Prepare

There are a few ways you can get prepared. We'll guide you through some considerations before you apply.

4

Apply

You can apply online or with a Mortgage Expert. Online applications are quick and most documents can even be signed electronically at your convenience.

Our Mortgage Refinance Experts Will Guide you Along the way

Over 100 years of combined experience

Our mortgage team can help determine if a lower payment or shorter term is right for you, whether now is the best time to refinance, how much you could save over the life of your loan, and lastly recommend a lending solution that best fits your needs.

Payoff Your Loan Faster & Save

Some members want to speed up their mortgage payoff thereby saving thousands of dollars in interest over the life of their mortgage.

Payoff Debt

You can consolidate your monthly debt payments with a Mortgage Refinance and make one low monthly payment instead of several. You’ll likely pay less overall each month and save with a lower rate. Plus, unlike credit card interest, the interest on your mortgage is usually tax deductible.**

Not Sure if Refinancing is the Right Option? Request a Call From a Refinance Expert

STEP 2

CALCULATE YOUR MONTHLY SAVINGS

The PMI rate will vary based on credit score, down payment and other criteria.

Step 3

Prepare for Your Refinance

Credit Score

Your credit score is a mathematical assessment of the likelihood you will repay what you borrow. It is based on the information in your credit report, which tracks how well you pay and manage bills. Creditors typically check your score when deciding whether or not to approve your loan application and what interest rate to charge if you are approved. Scores range from 300 to 850, with a higher score being indicative of less risk.

Get Prepared: We recommend you check your credit report before applying for your Mortgage Refinance by visiting www.annualcreditreport.com.

Bonus: Your membership includes complimentary access to Financial Counselors that can review your credit report and answer questions about credit scoring, building a strong credit history and correcting any inaccuracies that appear. To speak with a counselor, call toll-free 888.456.2227.

Estimate Your Home’s Value

A home appraisal is an unbiased estimate of the (fair market) value of your home. This protects homeowners from borrowing too much against the value of the home and from the risk of getting into financial trouble. It also protects the lender from loaning too much against the value of the home.

Get Prepared: Click here to obtain an estimated value of your home before applying for your Mortgage Refinance.

Step 4

Apply to Refinance Your Mortgage

Photo of

Don Spiro

845.332.5856

Visit Don's Website

Branches Covered:
Kingston, Saugerties & Woodstock
NMLS #515614

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Bill Walsh

914.474.5194

Visit Bill's Website

Branches Covered:
Red Hook, Rhinebeck,
LaGrange & Poughkeepsie
NMLS #454307

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Denise Quinn

845.522.3844

Visit Denise's Website

Branches Covered:
Middletown & Fishkill
NMLS #454310

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Tim Zwart

845.594.9056

Visit Tim's Website

Branches Covered:
Newburgh & Port Ewen
NMLS #454311

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SEAN DYKHOUSE

845.208.1377

Visit Sean's Website

Branches Covered:
Highland & Hurley Ave.
NMLS #184229

Apply for Your Mortgage
Have a Question? We'll Contact You
Or Call us at 845.336.4444

See What the Mid-Hudson Valley has to say About us

The staff is friendly and extremely helpful.  They go the extra mile whenever I have any questions or concerns. I transferred my accounts from other banks to MHV without a hitch.  I always feel very welcome when I stop in branch.

Kathryn M.

They are all very kind. They are all very efficient. The place and the atmosphere is always pleasant.

Caritina Rivera

Frequently Asked Questions

STILL HAVE MORE QUESTIONS?

**Consult your tax advisor for details.

*APR=Annual Percentage Rate. All loans subject to approval. Rates, terms, and conditions are subject to change.