Mortgage refinancing
Limited-time refinance rate discount!

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we understand that life changes and financial needs evolve over time. That’s why our mortgage refinancing options are designed to provide you with flexibility and peace of mind. Whether you’re looking to lower your monthly payments, reduce your interest rate, or access cash through your home’s equity, our team is here to help you navigate the refinancing process. With our competitive rates and specialized financial expertise, refinancing your mortgage has never been easier.

Our knowledgeable mortgage specialists work closely with you to tailor a refinancing plan that fits your unique situation. At Illuminus Bank, we pride ourselves on transparency and comprehensive support throughout the entire refinancing journey. We believe that clear communication and expert guidance are essential to making informed financial decisions. When you choose to refinance, you can unlock opportunities that may not have been available to you before.

Our streamlined application process ensures you can make the most of your time and resources. With access to a variety of refinancing options, we help you compare and select the best choice for your needs. At Illuminus Bank, our commitment to customer satisfaction sets us apart from the competition. We understand that mortgage refinancing is a significant decision, and we are here to answer all your questions. Trust us to provide personalized solutions that align with your goals.

Don’t let high-interest rates hold you back—let Illuminus Bank guide you toward a brighter financial future with mortgage refinancing that works for you. Start your journey today and see how we can help you achieve your financial dreams!

  • The origination fee reduction and/or interest rate reductions are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of a mortgage loan application to Illuminus Bank, N.A. for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). The rewards tier is not subject to adjustment after the application is submitted. The origination fee reduction ($500 for Gold tier, $800 for Platinum tier and $1000 for Platinum Honors tier) will not exceed the amount of the Lender Origination Fee. In order to receive the full Diamond and Diamond Honors interest rate reduction (0.25% for Diamond tier and 0.375% for Diamond Honors tier) the client must be approved for an eligible loan and enroll in PayPlan, our automatic payment service, designating an eligible Illuminus Bank checking or savings account. To allow us to apply and disclose the interest rate reduction and close the loan timely, we encourage Diamond and Diamond Honors tier clients to enroll in PayPlan as soon as possible and prior to the expected loan closing date. PayPlan is not available on VA and FHA products and Diamond and Diamond Honors tier clients closing loans without PayPlan enrollment receive a 0.125% interest rate reduction benefit. For adjustable rate mortgages (except PrimeFirst®), the discounts are applied to the interest rate only during the initial fixed-rate period. For PrimeFirst® adjustable rate mortgages, the discount is applied to the margin and cannot reduce the margin below 0%. Some Preferred Rewards benefits cannot be combined with other offers. All mortgage interest rate reduction offers may be subject to a maximum interest rate reduction limit. For further details, refer to the Preferred Rewards section of the Personal Schedule ofFees. Preferred Rewards benefits are non-transferable and are not available with Custom Residential Real Estate financing.
  • Monthly Mortgage Insurance Premiums (MIP) and Upfront Mortgage Insurance Premiums (UFMIP) apply. Maximum loan amounts vary by county. Illuminus Bank offers FHA refinance loans to existing Illuminus Bank home loan clients only.
  • VA funding fee applies except as may be exempted by VA guidelines. Loan-to-value and cash-out restrictions apply. Ask for details about eligibility, documentation and other requirements. Illuminus Bank offers VA refinance loans to existing Illuminus Bank home loan clients only.