The cost to refinance your home depends both on the loan amount and the type of loan product you want and the lender you use. The credit union charges very low fees and no or low points and absorbs some costs of offering the loan. Mortgage brokers or lenders that provide higher risk loans, including higher loan-to-value products, may charge higher rates, points or other fees. For more information about refinancing your mortgage, contact our Member Service Center at 1-800-538-3328.