Refinance Your Mortgage

When you’re ready to secure better home loan terms, you can refinance your mortgage to lower your monthly payment or interest rate.

Your finances, payment preferences, and the market can change drastically over the years after purchasing a home. Maybe your credit has improved so you can qualify for better terms, or interest rates have dropped across the board, or you want to borrow against the equity in your home to cover various costs. Refinancing your mortgage gives you the flexibility to do any of those, plus more. At Listerhill, our team is here to help you achieve your refinancing goals, whatever they may be. 

  • Flexible loan terms including a 15 and 30-year loan
  • Up to 100% Financing

Product Features
Up To 100% Financing

Get up to 100% financing on select mortgage products.

Pay Back on Your Terms

Consult with one of our friendly loan officers about a payback term that fits your goals.

Convenient Payment Options

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Do the Math
Should I refinance?

Empower yourself to make smart financial decisions. Use our calculators to figure out if refinancing is a good option for you.

Have you considered?
Discounted Home Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.

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Rates

Fixed-Rate Mortgages

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Effective 8/1/20

* All rates and terms are subject to change without notice.

All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender.

Additional Questions?

Listerhill has been consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

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Frequently Asked Questions

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.
  • 60 or 72 Month Jumbo Certificate

    Existing Account:Changing To:What This Means:
    Jumbo Certificates 
    (60 month and 72 month)
    Monthly Certificate 
    (60 month)
    Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits: 
     • Interest Paid Monthly 
     • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.)