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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.

  • Capped-Fees

    Capped Origination Fees

    Save money at closing with capped origination fees. Applies to loans of $400,000 or more.

  • No-PMI

    No PMI

    Put less money down and still pay no PMI. Because PMI is basically a four-letter word.

  • Shaking Hands

    Local, Fast Decisions

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

Star Star Star Star Star

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*

2.375%

APR*

2.602%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 97%

Rate*

2.250%

APR*

2.435%

Loan Amount

$200,000 to $548,249

Maximum Financing

Up to 97%

Rate*

2.125%

APR*

2.288%

Loan Amount

$548,250 to $1,000,000

Maximum Financing

Up to 90%

Rate*

2.375%

APR*

2.528%

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*

3.000%

APR*

3.128%

Loan Amount

$100,000 - 199,999

Maximum Financing

Up to 97%

Rate*

2.875%

APR*

2.979%

Loan Amount

$200,000 to $548,249

Maximum Financing

Up to 97%

Rate*

2.750%

APR*

2.842%

Loan Amount

$548,250 to $1,000,000

Maximum Financing

Up to 90%

Rate*

3.000%

APR*

3.087%

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 not to exceed $4000.  The origination fee can be waived with .25% added to your qualifying 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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