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Get a plan that fits your goals.

Refinancing a home loan can often lead to a lower home loan payment or shorter term. When you refinance with Rally, your Home Loan Expert will work with you to ensure your home loan aligns with your financial goals.

Apply Now Find an Expert See Rates


Rally Credit Union

Benefits of Refinancing

  • Lower Interest Rates
  • Lower Monthly Payment
  • Less Closing Costs
  • Debt Consolidation
  • Own Your Home Sooner
  • New Loan Terms
  • Eliminate Private Mortgage Insurance*
Rally Credit Union

Refinance Home Loan Terms

  • 97% Loan to Value
  • Fixed Loan Rates
  • Loan Terms Up to 30 Years
  • Escrow Options**

Go to Refinance Calculator

Here's what you'll need

All applicants must provide:

  • Filed Tax Returns (1040) - W2/1099 for the two most recent years
  • Bank Statements for the two most recent months
  • Copy of Government Issued ID
  • Proof of Income, see table
Income Type Documents
Standard Employment
  • Pay stubs for the last 30 days
  • Filed federal business tax returns (Form 1065, 1120 or 1120-S) for the two most recent years
  • Year-to-date profit and loss for each business
Retirement, Pension, Disability
  • Retirement, pension or disability award letter

We're Here to Help

New Home Loan Inquiries: Call 1-800-622-3631 and press 5, then 2
Existing Home Loans: Call 1-866-840-4152
Home Loan Payoff Requests: Call 1-866-840-4152

All loans are subject to credit application, qualification and approval. Must qualify for membership upon approval.
*Borrowers who have at least 20% equity in their home
**Escrow is required for all loans > 90% loan to value.