Refinance Your Mortgage with Confidence
A mortgage refinance could help you lower your monthly payment, shorten your loan term, or use your home’s equity for what matters next.
Is Refinancing Right for You?
Refinancing might be a good fit if you want to:
Lower your monthly mortgage payment Pay off your home faster Switch from an ARM to a fixed-rate mortgage Use home equity for renovations, debt consolidation, or major expenses Review your current loan and see what options may be available
Why Refinance?
Lower Your Payment
A lower rate or new loan term may help reduce your monthly payment
Shorten Your Loan Term
Pay your mortgage off faster and potentially save on interest
Access Home Equity
Pay your mortgage off faster and potentially save on interest
Create More Stability
Move from an adjustable-rate mortgage to a fixed-rate option
Our Simple Refinance Process
Affordable Home Financing Options
FVSBank also offers various loan options, designed to help eligible low- to very-low-income borrowers access affordable home financing.
HomeAccess
Helping low-income and very-low-income customers into homeownership
✅ Better Pricing on a 30-Year Fixed Loan
✅ Affordable Down Payment Options
✅ Flexible Credit Requirements
Home Ready®*
The ideal HomeReady® borrowers may be first-time or repeat homebuyers with:
✅Low income
✅Limited cash for a down payment
✅Supplemental boarder or rental income
HomePossible®*
Helping qualified borrowers overcome a barrier to homeownership:
✅Low down payment options
✅Robust features designed for the needs of today's borrowers
✅Housing options from single-family homes, manufactured homes, plus more.
Why Refinance with FVSBank?
Local Mortgage Experts
Work with people who know your community and your goals.
Personalized Options
We help you compare choices, not guess.
Clear Guidance
From application to closing, we explain each step.
Community-Focused Banking
At FVSBank, banking is made personal.
Meet Our Lenders
Fond du Lac
Chris Dummer
Chris Dummer is passionate about helping customers find the right loan solutions to achieve their goals.
NMLS# 905854
Email Chris
920-907-8693
Specialties:
first-time homebuyers
home loans
refinance guidance
Justin Szatkowski
Justin Szatkowski is dedicated to helping customers identify the loan solution that best supports their financial goals.
NMLS# 488728
Email Justin
920-907-8697
Specialties:
first-time buyer support
mortgage solutions
refinance support
Oshkosh
Julie Spanbauer
Julie Spanbauer enjoys helping buyers navigate the homebuying process by building a long term relationship.
NMLS# 488889
Email Julie
920-231-1165
Specialties:
first home journey
loans to fit your home goals
refinancing made simple
Waupun
Derek Drews
Derek Drews loves helping customers realize the dream of homeownership.
NMLS# 442239
Email Derek
920-324-5528
Specialties:
your path to owning your first home
personalized home loan options
offering smarter refinancing options
Mortgage FAQ
When should I refinance my mortgage?
You may consider refinancing if rates have changed, your financial goals have shifted, or you want to adjust your monthly payment or loan term
Can I refinance to access home equity?
Yes, depending on your home’s value, current loan balance, and qualification factors.
How long does refinancing take?
Timing can vary, but our team will help keep the process moving and explain what to expect.
Will refinancing lower my payment?
It may, depending on your rate, loan term, closing costs, and loan amount.
* Low or very-low-income borrowers have a total qualifying income that falls at or below 80% of the Area Median Income for the property’s location.
- Dodge County – $78,800
- Fond du Lac County – $78,240
- Winnebago County – $82,880
- Not limited to counties listed
Qualifying income based on the borrower household member, non-borrower household income would not be considered. Subject to underwriting guidelines.
*HomeReady/Possible:* Client will receive a 1 point (1.000) loan level price adjustment (LLPA) credit on HomeReady and Home Possible purchase loans locked on or after January 2, 2024. One point (1.000) is equal to 1% of the loan amount. Minimum credit amount will be $2,000. Maximum loan amount is $350,000. Offer is not available with any other discounts or promotions. Offer cannot be retroactively applied to previously closed loans or loans already in process; offer is not transferable. Rocket Mortgage reserves the right to cancel/modify this offer at any time. Additional restrictions/conditions may apply. This is not a commitment to lend.
USA PATRIOT Act Information Disclosure
Important Information about Application Procedures
To help the government fight the funding of terrorism and money laundering activities. Federal law requires all financial institutions to obtain, verify, and record information that identifies every customer.
What this means to you: When you apply for a loan, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.