High Mortgage Rate? It's time to go lower.
Now might be the right time for you to get a lower mortgage rate. After you qualify, we'll take an extra 0.125% off** for even more savings. Are you ready to save?
Lower your rate, boost your savings
Save more every month with a limited‑time, members‑only 0.125% rate reduction — on top of your potential refinance savings.
Clear, local guidance — no guesswork
Work with real Colorado‑based Mortgage Loan Officers who walk you through every step with clarity and confidence.
Make your money work better for you
Whether lowering your rate or consolidating high‑interest debt, refinancing helps simplify your finances and increase cash flow.
Still stuck with a rate you only meant to date? We can fix that.
You’ve heard “date the rate, marry the mortgage” — but for many members, that quick fling with a high rate is starting to feel like a long‑term commitment. With Westerra’s Member Select Refinance offer, you don’t have to stay stuck in a relationship that isn’t working for your budget. Make the switch to a lender who actually knows you, drop your rate with a member‑only reduction, and enjoy a mortgage that treats your money the way you deserve.
One refi. One payment. More breathing room.
If high‑interest debt is weighing you down, refinancing with Westerra can help you take back control. By rolling multiple balances into one lower‑rate mortgage payment, you can simplify your monthly bills, reduce the total interest you pay, and free up cash flow for the things that matter most. With a cash‑out refi option and guidance from local experts, consolidating debt becomes a smart, strategic move — not a stressful one.
More ways to make your money work
Not sure if a refi is the right fit? There are other options.
If refinancing isn’t what you need right now, Westerra still has smart ways to use your home’s equity — including fixed second mortgages and HELOCs — so you can keep moving your financial goals forward your way.
Frequently Asked Refinance Questions
Mortgage refinancing refers to the process of replacing your current mortgage with a new loan, typically to obtain a lower interest rate, modify the loan duration, or tap into your home’s equity. This can lead to decreased monthly payments or enhance your financial situation overall.
Selecting Westerra for your mortgage refinancing means accessing competitive rates along with personalized service. Our committed team collaborates with you to grasp your financial objectives and offer customized solutions, ensuring a seamless refinancing journey.
At Westerra, we provide a range of refinancing options, such as fixed-rate and adjustable-rate mortgages. Fixed-rate refinancing allows for stable monthly payments, while adjustable-rate mortgages may present lower initial rates. Additionally, cash-out refinancing enables you to utilize your home’s equity for purposes like home renovations or debt consolidation.
To evaluate if refinancing is advantageous, consider your current mortgage terms, including interest rate and loan balance. If market rates have declined or your credit score has improved, it may be a favorable time to refinance. Our team at Westerra is here to assist you in assessing your situation and navigating the decision-making process.
When refinancing, you will typically need to provide documents such as pay stubs, tax returns, bank statements, and information about your existing mortgage. Collecting these documents ahead of time can speed up the refinancing process and help avoid delays.
Closing costs are fees related to refinancing, like appraisal, title insurance, and credit report expenses. While these costs can vary, they can sometimes be incorporated into the new loan. At Westerra, we maintain transparency regarding closing costs, allowing you to anticipate and plan effectively.
Staying up to date on refinance rates is key to making informed decisions. At Westerra, we post our base mortgage refinance rates daily, so you always have the latest information at your fingertips. Since rates can vary based on factors like your home equity, the type of refinance that best suits you, your property, and your credit score, our mortgage specialists are here to provide personalized guidance and up-to-the-minute rate details tailored to your needs. Let us help you find the best solution for your financial goals.
Loan approval is subject to credit approval and program guidelines. Credit Union membership required. Interest rate and program terms are subject to change without notice.
*Annual Percentage Rate (APR) is the cost of the loan in percentage terms, taking into account various loan charges such as Prepaid Finance Charges (discount points, processing and underwriting fees, flood certificate, tax service, closing and wire fees, prepaid interest) and Private Mortgage Insurance (if applicable). Refi scenarios based on rate and term transaction, 760+ FICO, $400K or $900K (Jumbo) loan amounts at 60% LTV. Purchase scenarios based on 760+ FICO, $500K or $900K (Jumbo) loan amounts at 60% LTV. Variables such as LTV, CLTV, credit score, cash out, occupancy and property type, etc., could affect rate and APR. Rates are based on individual credit history and are subject to change without notice. Rates are for conventional-conforming loans only. Other rates and terms may apply for Jumbo and nonconforming/specialty portfolio programs. Please contact a Westerra Credit Union Mortgage Loan Officer at 303-321-4209 for more details. Westerra Credit Union NMLS 421606.
**Limited-time promotional refinance offer available to qualified borrowers who were members of Westerra Credit Union prior to February 9, 2026. Offer consists of a 0.125% (1/8%) rate reduction applied to eligible refinance mortgage loans only. Not valid for purchase transactions, construction loans, first-time homebuyer purchases, or the refinance of an existing Westerra mortgage. Offer applies only to refinanced loans currently held with another financial institution. All loans subject to credit approval, underwriting guidelines, and property eligibility requirements. Rates, terms, and conditions are subject to change without notice. Offer may not be combined with any other offers, mortgage promotions, or discounts. Additional restrictions may apply. Membership eligibility required. Property must be located in Colorado. Offer valid only for applications submitted between February 9, 2026 and March 31, 2026. Westerra Credit Union reserves the right to change or discontinue this promotion at any time.
This is not a commitment to lend. Consult a Westerra Mortgage Loan Officer or visit https://www.westerracu.com/
