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 terms from 10 to 30 years and both fixed-rate and 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
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Best if you want:
Best if you want:
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Maximum loan amount
Maximum loan amount
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Terms
Terms
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LTV
LTV
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Closing cost credit
Closing cost credit
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Prepayment penalty
Prepayment penalty
Home Free Mortgage
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Best if you want:
To pay off your mortgage in 10 years or less at a fixed rate.
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Maximum loan amount
$484,350
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Terms
10 years or less
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LTV
Up to 85%
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Closing cost credit
Lender paid credit up to $2,500 towards closing costs
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Prepayment penalty
No
Adjustable Rate
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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.
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Maximum loan amount
$484,350 or $600,000 for a Jumbo Mortgage
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Terms
Rates may adjust only every 5 years up or down, limited to a 2% cap
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LTV
Up to 95% LTV
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Closing cost credit
Lender paid credit up to $2,500 towards closing costs
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Prepayment penalty
No
Fixed-Rate
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Best if you want:
To lock in a fixed rate and pay your mortgage off in 15-30 years.
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Maximum loan amount
$484,350 or $1,250,000 for a Jumbo Mortgage
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Terms
15 - 30 years
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LTV
Up to 97% LTV
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Closing cost credit
No
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Prepayment penalty
No
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 (usually 3.5%). 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. USDA mortgages include 101% of appraised value to include a 1% funding fee. The seller can contribute up to 6% in closing costs and pre-paids.
Visit our Mortgage Loan Center to see today’s rates
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Keesler Mortgage Center
Meet our Loan Advisors
Our loan advisors are ready to help with all of your home financing needs!
Home Buying Resources
Get your learning on with our comprehensive mortgage resource library.
Get a Custom Quote
Complete the form below and we will create customized quotes based on your loan details.
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.
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.
Disclosures
Available in MS, LA, AL, FL.
10-Year Fixed Mortgage Payment Example: Based on a loan amount $125,000.00, the principle & interest payment is $1,287.96. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.
15-Year Fixed Mortgage Payment Example: Based on a loan amount of $125,000.00, the principle & interest payment is $916.80. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.
30-Year Fixed Mortgage Payment Example: Based on a loan amount $125,000.00, the principle & interest payment is $633.36. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.
Fixed-Rate Second Mortgage Payment Example: Based on a loan amount of $50,000, the principle & interest payment is $402.80. This payment does not include applicable taxes and insurance.
Jumbo Mortgage Payment Example: Based on a loan amount of $950,000, the principle & interest payment is $4884.33. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.
Adjustable Rate Mortgage Payment Example: Rate of 3.25% – APR: 3.311% is effective as of 1/31/19 and can change without notice. Actual rates based on credit history. Based on a loan amount of $125,000, the principle & interest payment is $544.11. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.
FHA Mortgage Payment Example: Based on a loan amount of $125,000, the principle & interest payment is $598.00. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.
VA Mortgage Payment Example: Based on a loan amount of $125,000, the principle & interest payment is $582.02. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.
USDA Mortgage Payment Example: Based on a loan amount of $125,000, the principle & interest payment is $649.16. This payment does not include applicable taxes, insurance or private mortgage insurance (if applicable) actual obligation will be higher.