Refinance Jumbo Loans

By reevaluating and restructuring your current mortgage, this loan option helps you take advantage of today’s competitive interest rates and restructure the terms of your loan.

Jumbo 30 Year4.300%Interest Rate 4.300%APR 0.000%Points
Jumbo 5 Year ARM3.525%Interest Rate 4.193%APR 0.000%Points

Advertised interest rates and APR assumes excellent credit score.
As of 02/15/2018 14:39:59 PM. Read Disclosures.

Get Prequalified

Pricing Discounts


Using OWB or CIT Account


First Time Home Buyer


New Relationship

10% Loan Amount in Deposits


$500K+ Banking Relationship


Customers are only eligible for one of the available rate discounts. Discounts cannot be comibined. The discount applies to the rate on Fixed-Rate Mortgage and the initial fixed-rate on Adjustable-Rate Mortgages.

A refinance jumbo loan can be valuable to homeowners. There can be a number of benefits associated with a refinance jumbo loan, such as lowering monthly payments, switching from an ARM to a fixed-rate, home equity financing or even loan consolidation.

Lower Rate and Lower Payment

A jumbo refinance can help lower your current interest rate, resulting in a lower monthly payment and potential savings over the life of your loan.

Home Equity Financing

Take advantage of your home equity with a jumbo refinance! Our home equity financing option allows you to take out a new jumbo loan with a larger loan amount than your current one and have the difference paid to you. Use this extra money for home improvements, investments, or debt consolidation.

Debt Consolidation

Many homeowners today have a second mortgage. With a refinance jumbo loan, you can combine your first and second mortgages into one jumbo loan. This allows you to consolidate your debt and reduce your payments with a lower interest rate.

Refinance into a Fixed-Rate Jumbo Loan

If your loan is nearing its adjustment period, or if you are already paying a higher interest on your mortgage, a jumbo refinance could help you save. With today’s competitive jumbo-loan interest rates, you may be eligible to refinance into a fixed-rate mortgage and enjoy the security of a fixed interest rate and monthly payment.

To learn more about refinance jumbo loans, and how we may be able to help you secure a competitive jumbo refinance loan, call us at 1.800.217.6520. One of our experienced mortgage lending specialists will be happy to answer any questions you may have so that you can make the best decision that fits your unique financial situation.

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Important Disclosures

It is important to know that with Adjustable-Rate Mortgages, your payment and rate may increase significantly over time.

Not all applicants will qualify for financing. Mortgage rates and terms are subject to change without notice.

Mortgages with LTVs higher than 80% with no PMI may generally have a higher interest rate and/or fees than other mortgages. This may result in a loan without mortgage insurance being more costly for a borrower who intends to remain in the property for a longer period of time. A borrower who intends to remain in the property for a shorter period of time may find that the extra interest cost is lower than the amount of PMI payments for that period of time.

Mortgage escrow accounts are created so that you can pay your yearly property taxes, homeowner’s insurance and mortgage insurance in monthly installments throughout the year, rather than all at once. When these bills are due, we disburse the funds from your escrow account to pay the taxes and insurance in a lump sum. If there is a requirement for a mortgage escrow account at closing, it will be required to be maintained for five (5) years after closing.

The rates displayed may require the establishment of an escrow account upon closing. If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

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