Refinance Your Home

Meet your needs with a refinanced home loan.

Apply To refinance

With your home as one of your most important assets, your home loan should fit your needs. After a few years or even decades, your priorities and financial situation might change.

Whether it’s to take advantage of the rate environment or restructure your payments to meet your goals, refinancing your mortgage loan could be right for you.

Learn more today.

 

Choose a mortgage expert

Refinancing your loan doesn’t have to be tricky. Make sure you have a mortgage expert on your side to navigate the process from the beginning. Our team is here to help.

FIND a MORTGAGE LOAN OFFICER

Calculate your payments and more

Use our calculators to get more insight into what your financial picture and mortgage situation might look like.

Try them now

Explore other mortgage options.

In addition to refinancing, we also offer mortgage and home equity loans.

SEE YOUR MORTGAGE OPTIONS

Home buying benefits for public service.

Our Hometown Heroes program offers up to $500 off closing costs (on a purchase or refinance), in addition to other benefits, for individuals who work (or have worked) in public service fields.

Learn More

Mortgage expertise you can trust.

We'll help you figure out if refinancing might be right for you.

Apply to Refinance

"The team helped me every step of the way. They responded immediately and worked very hard so that I had all the pieces of information."

Kristine, Mortgage Customer, West Fargo

"Always a pleasure to work with you. Your attention to detail and promptness are exceptional! "

Becki, Mortgage Customer, West Fargo

"Turning to Western State Bank was the best choice we made for our mortgage. The process was quick, always friendly, caring, and very professional."

Kim Taxdahl, Mortgage Customer, Arizona