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Refinance Your Mortgage

There are multiple reasons you may want to refinance your home such as: lower interest rates, lower payments, or money for home improvements. You can rest a little easier by refinancing your mortgage to free up some extra cash. Our mortgage experts will help you navigate the waters of a mortgage refinance, and we have some excellent options to get you on the right path.

We'll try to help you answer two fundamental questions:

  1. Can you refinance based on your home's equity, appraised value, income and credit profile?
  2. Should you refinance? Will there be a sufficient interest or payment savings to make it worthwhile for you?

It's important to know if refinancing will benefit you, and put you in the best option available. Sometimes a better alternative of having money for home expenses is a Home Equity Loan or Line of Credit



Conventional Refinance:

  • Often a very good refinance option
  • Can offer lower interest rates



FHA Streamline Refinance:

  • May not need an appraisal
  • allows for an unlimited loan-to-value ratio



VA Interest Rate Reduction Loan (IRRL):

  • No appraisal or credit underwriting package is required when applying for an IRRRL.
  • An IRRRL may be done with "no money out of pocket" by including all costs in the new loan or by building costs into the new interest rate



Refinance Appointment

At the initial appointment, we will order a credit report so that we may determine your eligibility for mortgage loan programs. Also, please come prepared with the following:

  • 30 Days or most recent Paystub
  • 2 Years of Annual Tax Returns and W-2’s
  • 2 Months Most Recent Bank Statements to verify down payment as needed


If Applicable:

  • Divorce/Separation Agreement
  • Bankruptcy
  • Child Support
  • Social Security Award Letter
  • Pension Award Letter
  • Copy of Diploma (if employed less than 2 years)

*For your convenience, we can offer to receive these via email or fax.


Let's Get Started

If you are interested in refinancing your mortgage, please complete the form below. A mortgage expert will be in touch with you shortly.

A CSE Share Account must be opened and in good standing in order to disburse a loan.

1 + 7 =  

We’re Here to HelpConvenient Locations Throughout Stark County

Come Visit Us

Monday - Friday: 8am - 6pm
Saturday: 9am - 3pm
Canton Office/Operations 1380 Market Ave N
Canton, OH 44714
North Canton Branch 6879 Whipple Ave NW
North Canton, Ohio 44720
Lake Cable Branch 5414 Fulton Dr NW
Canton, Ohio 44718
Meyers Lake Branch 1235 Whipple Ave NW
Canton, Ohio 44708

Or Give Us a Call

Phone: 330-452-9801
Toll Free: 866-CSEFCU1
TellerPhone 24: 330-452-9802

CSE Routing & Transit Number 241274459

Contact Us Today

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