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Refinance Your Home Loan with Sound

Unlock your home’s potential with a Refinance Loan

Refinancing your home loan with Sound can open up new opportunities, from lowering your monthly payments to funding major life events.

As a member-owned financial institution, Sound is committed to providing personalized service and competitive loan options.

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Competitive Rates

We offer some of the most competitive interest rates in the market, ensuring that you get the best deal possible. View Rates »

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No Origination Fee

Homes cost enough already. We won’t pile on.

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Flexible Terms

Choose from a variety of loan terms that fit your financial needs and goals.

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Cash-Out Options

Need funds for home improvements, education, or debt consolidation? Our cash-out refinance options provide the flexibility you need.

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Experienced Loan Officers

Knowledgeable loan officers are available online, in person, and over the phone through every step.

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Close on time

Your closing is important to us. Our local staff will take the stress out of the home refinance process.

Meet our Mortgage Loan Officers

Your home is one of the biggest purchases you’ll make. Together, we’ll help you find the right mortgage for your dream home.

Shelly Cox Sound Credit Union Mortgage Loan Officer

Shelly Cox

Mortgage Loan Officer NMLS# 803957
Stephanie Pahlow Mortgage Loan Officer

Stephanie Pahlow

Mortgage Loan Officer NMLS# 643787
Jamie Alford Sound Credit Union Mortgage Loan Officer

Jamie Alford

Mortgage Loan Officer NMLS# 740600
J Reid Sound Credit Union Mortgage Loan Officer

J. Reid Bullock

Mortgage Loan Officer NMLS# 260393
Sarah Meikle Sound Credit Union Mortgage Loan Officer

Sarah Meikle

Mortgage Loan Officer Manager NMLS# 850068
Heather Peery Sound Credit Union Mortgage Loan Officer

Heather Peery

Mortgage Loan Officer NMLS# 407489

Ready to start the conversation about refinancing your home loan?

Contact a Mortgage Loan Officer in the way that’s easiest for you.

Apply Today

Pay your Mortgage Online

Make mortgage payments, view your history, submit payoff requests, and find information on your loan with our Mortgage Payment Center.

Mortgage Payment Center
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More tools to help you manage your finances, investments and renovations.

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Home Refinance Calculator

Refinancing could reduce your monthly mortgage payments, freeing up your budget for other priorities. Continue reading

5 Signs You’re on the Path to Becoming Financially Aware

5 Signs You’re on the Path to Becoming Financially Aware

Financial awareness starts with information, and we all make the best decisions we can with the resources we have available to us.  Continue reading

couple taking a break from unpacking boxes in their new home

Four Questions to Ask Yourself Before Signing a Mortgage

Owning a home is likely the largest financial commitment you’ll make in your life, and it’s easy to get caught up in details pertaining to debt-to-income ratios, the real estate market, current interest rates and amortization schedules. Continue reading

Disclosures

NMLS# 691150   ·   Equal Housing Opportunity

All loans require Sound membership and are subject to credit approval. Verification of income may be required. Must be 18 years of age to qualify for loan. APR is Annual Percentage Rate. Rate and offer subject to change at any time.