Mortgage Refinance

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Get a better interest rate or monthly payment and free up your money.

The Benefits of Refinancing Your Mortgage!


A Variety of Terms

10, 15, or 30-year terms are available.


Interest Options

Choose an adjustable or fixed rate to meet your needs.


Online Application

Complete the entire refinancing process from anywhere.


Best in Member Service

Our loan experts are here to help you refinance without headache or hassle.

Bowater Fixed Rate Mortgages 

If you’re looking for a better interest rate, want to lower your monthly payment, or need cash for a home improvement project, refinancing might be the answer. You can refinance your existing mortgage to any other mortgage Bowater offers, including 10-year, 15-year, and 30-year options with fixed or adjustable rates.

A father and son play in the yard of their home after refinancing.

Our Application Process is Simple and Convenient


Pick the Refinancing Option to Meet Your Needs

We’ll help you navigate the available rates and payments.

Complete Loan Application

Fill out our quick and easy online application.



Review and agree to your home loan amount, rates, and terms.


“Best bank around! Excellent customer service! They will help you with whatever it is you are looking for and it’s super easy no matter what you do.”

– Amanda D.

Mortgage Refinance FAQ

Can I calculate my mortgage rate ahead of time?
Find out more about your estimated mortgage rate using our Mortgage Rate Calculator.

Mortgage Calculator

When does a shorter loan term make sense?

While a shorter loan term can come with higher payments, it can save you money in the long term, because you pay less interest overall.

Shorter-term home loans can also be a good idea for homeowners who are refinancing for a lower interest rate.

Meet Our Team


Mortgage Loan Officer
NMLS# 2213649

Schedule Appointment Apply Now

Mortgage Loan Officer
NMLS# 1985165

Schedule Appointment Apply Now

More Loan Options

Personal Loans

Personal loans are flexible and versatile loans guaranteed with just your signature. How you spend the money is entirely up to you.

Home Equity Line of Credit

Already own a home and need extra funds? If you’ve already built equity in your home, you can have access to cash when you need it.

Loan Consolidation

We may be able to reduce the amount you are paying each month, save you money on interest paid, or both!