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Mortgage Refinance

How much could refinancing save you?

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If you’re looking to shorten your mortgage term or lower your monthly payments, we can help! Our competitive rates and expert service make it easy.

  • Man Speaking On Phone

    Competitive Rates

    We’re known for having some of the lowest rates around. And on your biggest purchase, that means more money in your pocket.

  • Shaking Hands

    Local, Fast Decisions

    Our staff of experts handle everything locally. That means fast approvals and even faster closings.

  • Peaceful Woman

    Free 60-Day Rate Locks

    Gain peace of mind knowing you can lock in your rate for a full 60 days with no fee. Because we’re cool like that.

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For most people, borrowing money is a stressful experience. Each time I have borrowed through Telco, the experience is anything but stressful. Additionally, the staff treat each person as an individual with individual needs and concerns. I highly recommend bringing any business you have to Telco because they treat you like family!

Jeanne S., Credit Union Member since 1997

See Today’s Rates

FIRST MORTGAGE PURCHASE & REFINANCE - 15-YEAR FIXED

Loan Amount

Maximum Financing

Rate*

APR*

* All rates, fees, and terms are subject to change, not guaranteed and are based on credit qualifications and lending guidelines.

 

Loan Amount

Up to $99,999

Maximum Financing

Up to 97%

Rate*

2.875%

APR*

3.102%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 97%

Rate*

2.750%

APR*

2.935%

Loan Amount

$200,000 to $510,400

Maximum Financing

Up to 97%

Rate*

2.625%

APR*

2.788%

Loan Amount

$510,401 to $1,000,000

Maximum Financing

Up to 80%

Rate*

2.875%

APR*

3.028%

FIRST MORTGAGE PURCHASE & REFINANCE - 30-YEAR FIXED

Loan Amount

Maximum Financing

Rate*

APR*

* All rates, fees, and terms are subject to change, not guaranteed and are based on credit qualifications and lending guidelines.

 

Loan Amount

Up to $99,999

Maximum Financing

Up to 97%

Rate*

3.250%

APR*

3.378%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 97%

Rate*

3.125%

APR*

3.229%

Loan Amount

$200,000 to $510,400

Maximum Financing

Up to 97%

Rate*

3.000%

APR*

3.092%

Loan Amount

$510,401 to $1,000,000

Maximum Financing

Up to 80%

Rate*

3.250%

APR*

3.337%

Baton Rouge Telco’s only in-house fees are the $50 application fee and an origination fee of 1% of the total loan amount at closing (the origination fee can be waived with .25% added to interest rate).

Mortgage refinances generally take less than 4 weeks to close after approval.

Complete this short form and we’ll have one of our real estate lenders contact you by the next business day to discuss options.

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Ready to start the conversation about your refinancing options?

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