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HOME LOAN REFINANCE

Pay Less, Live More

Apply now

Make your biggest investment pay off

Refinancing with our competitive rates may help lower your interest rate and your monthly mortgage payments.

Low or no closing costs

Don’t pay more than you need to in closing costs. We help you close with more money in your pocket.

Flexible terms & rates

With both the fixed-rate and the adjustable-rate options, you can let your budget drive your mortgage, not the other way around.

Expert guidance & advice

With comprehensive online resources and dedicated loan representatives, you’ll feel informed every step of the way.

Compare your refinancing options

  • Best if you want:

    Best if you want:

  • Maximum loan amount

    Maximum loan amount

  • Terms

    Terms

  • LTV

    LTV

  • Closing cost credit

    Closing cost credit

  • Prepayment penalty

    Prepayment penalty

Home Free Mortgage

Adjustable Rate

  • Best if you want:

    To start paying off your mortgage at a lower interest rate, particularly if you’ll be looking to sell within 5 years.

  • Maximum loan amount

    $484,350 or $600,000 for a Jumbo Mortgage

  • Terms

    Rates may adjust only every 5 years up or down, limited to a 2% cap

  • LTV

  • Closing cost credit

    Lender paid credit up to $2,500 towards closing costs

  • Prepayment penalty

    No

Fixed-Rate

Additional Mortgage Options

These fixed-rate government mortgages all offer terms up to 30 years. Contact us to learn more.

FHA Mortgages

Federal Housing Administration loans offer more flexible lending standards and lower down-payment requirements. Down payment funds can be a gift from a family member.

VA Refinance Mortgages

The Veteran’s Administration Refinance loan, for eligible Veterans and Active Duty Military personnel, involves minimal paperwork and an expedited closing process. On most refinances, no appraisal or income verification is required, plus there are no out-of-pocket costs.

USDA Mortgages

The USDA provides competitive rates in rural communities and offers a 100% financing program for qualifying properties and borrowers.

Visit our Mortgage Loan Center to see today’s rates

See mortgage loan rates

Home Loan Refinance Calculators

Keesler Mortgage Center

Meet our Loan Advisors

Our loan advisors are ready to help with all of your home financing needs!

Find a loan advisor near you

Home Buying Resources

Get your learning on with our comprehensive mortgage resource library.

Explore resources

Get a Custom Quote

Complete the form below and we will create customized quotes based on your loan details.

Get your quote

Home Loan Refinance FAQs

Property/Home must be located in the state of Alabama, Louisiana, Mississippi or Florida.

Keesler Federal’s only in-house fees are the origination fee and processing fee. All other fees are outside fee (attorney fees, appraisal fee, credit report fee are a few) Funds will be collected to set up escrow account for taxes and insurance.

Payments can be made online, over the phone or in a branch. Balances will not show on the member’s receipt for payments made within a branch. See all loan payment options here.

See all Mortgage Loan FAQs

We love our members. Here’s our way of saying thanks.

Sometimes, a tote bag isn’t the surprise gift you really need. With Keesler Federal’s innovative Member Giveback program, you could win a mortgage payment (up to $1,000) just for being a member. Every month, we reimburse one lucky member’s mortgage loan payment! Why do we do it? Because we think you deserve more.

Learn more about our Member Giveback Program

Happy Homeowners

Stop by one of our branches
Find your nearest branch
Apply online to refinance your loan
Apply now

Disclosures

Available in MS, LA, AL, FL.

10-Year Fixed Mortgage

15-Year Fixed Mortgage

30-Year Fixed Mortgage

Fixed-Rate Second Mortgage

Jumbo Mortgage

Adjustable Rate Mortgage

FHA Mortgage

VA Mortgage

USDA Mortgage

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