Why refinance?

When you refinance, you pay off an existing mortgage with the funds from a new mortgage. The new mortgage will have a new rate and term. You may find that refinancing your mortgage lets you:


  • Lower your monthly payment
  • Use cash to remodel your home
  • Consolidate higher-interest debt
  • Shorten your term and pay off your mortgage faster
  • Refinance your FHA loan into a conventional loan
  • Access additional discounts for Bank of the West customers (Download details)

Ready to refinance?

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Ready to refinance?

Check rates
Rates are subject to change without notice.

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TTY 1-800-659-5495

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Today's Refinance Rates

Select a rate or APR to view important loan information.

30 Year Fixed Conforming *

Interest Rate 3.625%
APR 3.661%
Points 0.000
Loan Amount Example $250,000
Monthly Payment $1,140

15 Year Fixed Conforming *

Interest Rate 2.750%
APR 2.848%
Points 0.250
Loan Amount Example $250,000
Monthly Payment $1,697

30 Year Fixed
Jumbo *

Interest Rate 4.000%
APR 4.023%
Points 0.125
Loan Amount Example $800,000
Monthly Payment $3,819

7/6 mo. ARM
Jumbo *

Interest Rate 3.375%
APR 3.261%
Points 0.125
Loan Amount Example $800,000
Monthly Payment $3,537

* Rates subject to change without notice.

What refinance option works for you?

Fixed rate mortgage

What is it?

A Fixed Rate Mortgage Loan is a loan where the interest rate and monthly principal and interest payments remain the same throughout the term of the loan. This is one of the most popular types of home loans because of its predictability and stability from a budget standpoint and because it protects the borrower from interest rate increases over time.

Who’s it good for?

If you plan on staying in your home for longer than 5 years, a fixed rate mortgage is a great option. A fixed monthly payment makes budgeting easier and protects you against rate increases.

Adjustable rate mortgage

What is it?

An adjustable rate mortgage is a loan with an interest rate that fluctuates based on a publically-available interest rate index (such as Prime or SOFR). Many adjustable rate mortgage loans have a fixed interest rate period, typically 3, 5, 7, or 10 years. After the fixed rate period has ended, your interest rate can go up or down depending on the interest rate index in effect at that time.

Who’s it good for?

An adjustable rate mortgage is a good option if you don’t plan on living in the property for the full term of the loan or if you relocate frequently. Since you don’t need a longer term loan, you may enjoy a lower rate and payment during the fixed-rate period.

Learn more at our mortgage and HELOC resource page

Ready to get started?

Whether you want to buy a home, refinance your home or apply for a home equity line of credit we're ready to make your dreams a reality.

Are you going through a financial hardship?

Find out how we can help

What you might need to apply

  • Asset information
  • Employment and income history
  • Debt information
  • Social Security Number or other identification number

Legal information and Disclosures

1 Calculators are provided as a convenience. Bank of the West makes no warranties about the accuracy or completeness of the calculations.

All loans subject to credit approval, standard mortgage qualifications and underwriting requirements. Additional fees, conditions, and restrictions may apply.