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Mortgage Refinance

Bring your home loan to SPIRE and save.

Switch to SPIRE and get a lower payment or cash out for some extra money.

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Talk through your options or apply with your loan officer today!

We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

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$1,000 home refinance *

+APR =  Annual Percentage Rate. Monthly Principal & interest payment based on loan amount of $175,000 and $647,200 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $822,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Change in fee ownership, manufactured homes, commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay up to $1,000 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $1,000 and does not include the fee for a potential subordination agreement. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

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Maximum $1,000+ Closing Costs Special

When you refinance your home loan with SPIRE,
you can choose to only pay up to $1,000 in closing costs
or pay the full costs and enjoy a lower rate.

The choice is yours!
 


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No Payments for up to 60 days

Switch your home loan to SPIRE
and enjoy no loan payments for up to 60 days.
 

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Why Refinance with SPIRE

We've made the process easy with an online application that takes minutes to complete. Your Minnesota-based loan officer will walk you through every step.

When you refinance to lower your interest rate, your monthly payment will also be lower, saving you money over the life of your loan.

Some choose to refinance to take “cash out.” If you have built equity in your current home, you could use that equity to make home improvements, consolidate debt, or for any purchase you wish.

Based on the amount of equity your home, the closing costs may be rolled into your loan.

Home Refinance Rates

Home RefinanceRates Effective: 1/21/2022

Program Name Rate APR* Monthly Payment
10/1 ARM Refi - Max $1,000⁺ Closing Costs3.375%3.369%$773.67
7/1 ARM Refi - Max $1,000⁺ Closing Costs3.125%3.178%$749.66
5/1 ARM Refi - Max $1,000⁺ Closing Costs2.875%2.958%$726.06
10/1 ARM Jumbo Refi - Max $1,000⁺ Closing Costs3.500%3.304%$785.83
15 Year Fixed Jumbo Refi - Max $1,000⁺ Closing Costs3.125%3.140%$1219.07
15 Year Fixed Refi - Max $1,000⁺ Closing Costs3.000%3.019%$1208.52
15 Year Fixed Refi2.750%2.956%$1187.59
20 Year Fixed Refi3.375%3.539%$1003.72
30 Year Fixed Refi3.875%3.996%$822.91

VIEW ALL RATES View all Rates icon

*APR = Annual Percentage Rate. Monthly Principal & interest payment based on loan amount of $175,000 and $647,200 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Maximum loan amount is $822,000. Minimum loan amount is $15,000. Property must be the primary residence and property insurance is required. Residential properties only located in MN or WI. Appraisal required. If the loan does not close, the cost of the appraisal will not be refunded. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, and other factors so your rate may different.
Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
+APR =  Annual Percentage Rate. Monthly Principal & interest payment based on loan amount of $175,000 and $647,200 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $822,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Change in fee ownership, manufactured homes, commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay up to $1,000 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $1,000 and does not include the fee for a potential subordination agreement. Offer subject to termination at any time. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, and other factors so your rate may different. Adjustable Rate Mortgages (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.

SPIRE Mortgage Loan Officer

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Whether you're looking to understand the process or ready to apply, your loan officer will be with you at every turn.
Meet With Your Loan Officer

Calculate Your Mortgage

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Find out how much your payments will be each month.

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With You at Every Turn

Apply online in just a few minutes or  meet virtually
with a SPIRE Mortgage Loan Officer to discuss your options.

Either way, we will guide you through every step from pre-approval to closing.
 


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Your Loan Stays in Minnesota

When you open a home loan with SPIRE, it stays at SPIRE.
You'll always know who to contact and we'll be here for you.
 

6Limited to 3 properties per owner. Property must be an investment property located in MN. SPIRE member responsible to pay $1,000 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $1,000. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.


Disclosures

NMLS #469510
NMLS Active Numbers

 
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