Refinance Loans

At CIT Bank, we understand that each homeowner and refinance loan is unique. You may want to lower your monthly mortgage payment. Or perhaps you want to access your available home equity to consolidate debt or make home improvements. Whatever your needs, we'll tailor a refinance option to meet them, with a wide variety of mortgages to choose from:

Our mortgage specialists will help you choose what's right for your unique financial situation.

Call us: 800-217-6629 (Mon-Fri from 9am to 8pm ET)

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Fixed-Rate Mortgage

Fixed-Rate Mortgage
Interest Rate
APR
Points
Conforming 30 Year
4.125 %
4.172 %
0.130 %
Conforming 25 Year
4.125 %
4.179 %
0.130 %
Conforming 20 Year
4.000 %
4.106 %
0.489 %
Conforming 15 Year
3.500 %
3.562 %
0.135 %
Conforming 10 Year
3.500 %
3.618 %
0.135 %
Jumbo 30 Year
4.125 %
4.147 %
0.000 %
Jumbo 15 Year
3.625 %
3.660 %
0.000 %
Advertised interest rates and APR assumes excellent credit score. As of 12/01/2016 01:36:29 PM. Read DisclosuresGet a call backView Details


Adjustable-Rate Mortgage

Adjustable-Rate Mortgage
Interest Rate
APR
Points
5/1 LIBOR
3.250 %
3.672 %
0.000 %
5/1 LIBOR Interest-Only
3.375 %
3.735 %
0.000 %
7/1 LIBOR
3.375 %
3.660 %
0.000 %
7/1 LIBOR Interest-Only
3.500 %
3.734 %
0.000 %
10/1 LIBOR
3.625 %
3.741 %
0.000 %
10/1 LIBOR Interest-Only
3.750 %
3.819 %
0.000 %
Advertised interest rates and APR assumes excellent credit score. As of 12/01/2016 02:19:29 PM. Read DisclosuresGet a call backView Details

Selected products ()
Product
APY**
Minimum balances
Available as IRA
Available as Custodial
APY**
Minimum balances
Available as IRA
Available as Custodial