couple cooking together during the evening

Special: Closing Cost Savings Offer

Save up to $600 on your Refinance.

Unlock limited-time‍4 closing cost savings of up to $600 on your Mortgage Refinance when you apply using promo code SAVEONCLOSING.

5.830%

APR* as low as‍1

5 mins

Application time

Apply for a RefinanceTalk to a loan officer

Secure & simple online application

couple cooking together during the evening

Special: Closing Cost Savings Offer

Save up to $600 on your Refinance.

Unlock limited-time closing cost savings of up to $600 on your Mortgage Refinance when you apply using promo code SAVEONCLOSING‍4.

5.372%

APR as low as‍1

5 mins

Application time

Apply for a Refinance Talk to a loan officer

Secure & simple online application

Refinance rates

Current rates

Adjustable-Rate (ARMs)

Fixed initial rate is subject to adjustment after a set period‍2

Fixed-Rate

Interest rate won’t change for the duration of the loan

Rapid Refi

Pay off your mortgage faster and enjoy lower closing costs

Planning tools

Helpful calculators

Why refinance

Mortgage Refinancing Advantages

Ready to save up to $600 at closing?

Apply for your Mortgage Refinance using promo code SAVEONCLOSING to take advantage of this limited-time‍4 savings offer, or talk to a loan officer today.

 Apply for a RefinanceTalk to a loan officer
Your mortgage team

Meet our loan officers

Expert Tips

Which Mortgage works for you?

Different home loans offer different benefits, and what works for one borrower may not be best for the next.

To learn about common Mortgage options and understand the best scenarios for both, watch Katie Robinson, Senior Mortgage Lending Officer at Connexus, discuss the differences.

Katie Robinson

Katie Robinson

Mortgage Loan Officer
NMLS #837974

Hello, my name is Katie Robinson, and my goal is to ensure that members get into the loan program that fits their needs. I will provide a smooth and stress- free mortgage process for all members — whether you are a first-time home buyer or a current homeowner looking to save money. Communication is the key to the mortgage process, and ensuring the lines of communication stay intact throughout is very important to me. I look forward to exceeding each of my members’ expectations.

Read more
800.845.5025 Ext. 4796
KatieR@connexuscu.org
Physical: 1 Corporate Dr
Wausau, WI 54401
Mailing: PO Box 8026
Wausau, WI 54402-8026
Schedule a call
Tawnya Swope

Tawnya Swope

Mortgage Loan Officer
NMLS #470173

Hello! My name is Tawnya Swope, and my experience in mortgage lending allows me to guide you to a mortgage solution that best fits your needs. I strive to make the process smooth, and I welcome your questions. Whether you are a new home buyer or looking to refinance your current home, I am committed to providing exceptional service.

Read more
800.845.5025 Ext. 4765
TawnyaS@connexuscu.org
Physical: 1 Corporate Dr
Wausau, WI 54401
Mailing: PO Box 8026
Wausau, WI 54402-8026
Schedule a call
Jon Novetske

Jon Novetske

Mortgage Loan Officer
NMLS #580793

I have been in the banking industry for almost 20-yrs and in the mortgage industry for nearly 15-yrs. I am confident that I can assist you with your mortgage needs and give you good guidance through the process of purchasing or refinancing. I take a genuine interest in clients, to understand their needs and objectives, to help them exceed their expectations. I accomplish this through hard work that results in excellent, timely, and efficient services. This results in empowered clients who are equipped to achieve their financial goals.

Read more
715.679.9662
Jon.Novetske@connexuscu.org
Physical: 1 Corporate Dr
Wausau, WI 54401
Mailing: PO Box 8026
Wausau, WI 54402-8026
Schedule a call
Crysti Elder

Crysti Elder

Mortgage Loan Officer
NMLS #586286

My name is Crysti Elder. I have been in the mortgage industry for 25 years working exclusively with credit unions. My main goal is to make the process of purchasing or refinancing your home as seamless as possible offering clear and open communication along the way. I am committed to guide you through the mortgage process with care and expertise. Please contact me today with any of your real estate needs!

Read more
715.679.9482
Crysti.Elder@connexuscu.org
Physical: 1 Corporate Dr
Wausau, WI 54401
Mailing: PO Box 8026
Wausau, WI 54402-8026
Schedule a call
Quick help

Looking for more information?

Learn more about buying a home

Cash-Out Refinance vs. Home Equity Loan: What’s The Better Option for You?

Two common ways that homeowners turn equity into money are a Home Equity Loan or a cash-out refinance. This blog will cover the basics of these two options and help you determine which is right for you.

3 Reasons To Refinance Your Mortgage

Wondering if a mortgage refinance is the right option for you? Here are three reasons to refinance your mortgage that could help you save money.

Why and When to Refinance Your Mortgage Loan

Many homeowners choose to refinance their Mortgage Loan, but it’s important to know the right reasons.

FAQs: You Asked. We Answered.

What is a home refinance?

A home refinance is when you replace your current mortgage loan with a new mortgage loan. Some homeowners refinance in order to change the terms of their loan (for instance, going from a 30-year to a 15-year mortgage term) and others refinance to get a lower interest rate.

What is a cash-out refinance?

A cash-out refinance is a specific form of mortgage refinance that allows the borrower to “cash out” a portion of their home’s equity. A new mortgage loan then replaces the existing mortgage for a larger sum than was owed previously, and the borrower receives cash for the additional mortgaged amount. Learn more about Cash-Out Refinances vs. Home Equity Loans.

Can I refinance a VA Home Loan?

Yes. Learn more here.

How is my interest rate determined?

The interest rate you pay on your mortgage is based on a variety of factors. Your lender will review your individual credit circumstances, including down payment, loan term and type, current market rates, and provide you financing options to best fit your needs.

What is a credit score and how will my credit score affect my application?

A credit score is one of the pieces of information that we’ll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions.


Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.


Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.


Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won’t be paid as agreed.


Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a member.

How long will it take to process my loan application?

Processing your application can vary by lender and market conditions. The typical timeframe from application to closing ranges from 30 to 60 days.

Disclosures

*APR = Annual Percentage Rate

* Calculated based on the difference between the amount paid in interest between Connexus Credit Union’s rate at 5.498% APR compared to 6.236% APR for the National market average over the life of a $250,000 mortgage over 360 months. Accurate as of: 03/16/2026. Source: Datatrac

  1. Advertised rate reflects all available discounts and is current as of 03/16/2026. Rates and terms subject to change. Rates based on a loan amount of $100,000. Our advertised fixed rate includes 1-point origination fee, which means you pay 1% of the loan amount upfront, to get a lower rate. Other options are available. Loan is subject to credit approval and actual rate is based on applicant’s credit history and term of loan. Credit Union membership necessary. Separate payment of taxes and insurance may be required. Products not available in Maryland, Hawaii and Alaska. Cash-out mortgage refinances are not available in Texas. All quoted mortgage rates are based on conforming loan limits.
  2. Interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed rate period, the interest and monthly payments may increase. Products not available in Maryland.
  3. The Lender Credit will be added to the payoff amount if the loan is paid in full within the first 24 months.
  4. Offer is valid on mortgage applications submitted between 03/16/2026 and 7/26/2026 using promotion code SAVEONCLOSING. Offer valid for both purchase and refinance mortgages with a minimum loan amount of $150,000. Actual closing cost discount is based on the loan amount: $400 discount for loan amounts of $150,000.00 – $199,999.99; $500 discount for loan amounts of $200,000.00 – $299,999.99; $600 discount for loan amounts of $300,000.00 and over. Offer excludes second mortgages, lot, construction, and Rapid Refinance loans. Closing cost discount received will be in the form of a lender credit at closing and varies based on the loan amount. Offer subject to change or termination. Certain restrictions may apply.