Customize Your Home Loans

20-Year Mortgages

Rates as low as

3.000% (3.099%APR)

+$500 Off Closing


Consolidate your mortgage with your HELOC or Home Equity Loan with a refi from KEMBA.

  • 15-, 20-, and 30-year terms available
  • A custom solution to fit your needs


Apply Now


Contact us at or at 800.282.6420, option 2, to get started today!



APR = Annual Percentage Rate. Offer valid only for recipients of exclusive invitation email. $500 lender credit towards closing costs applicable to 15, 20, and 30-year conventional mortgages. Rates valid as of April 21, 2021 and subject to change at any time. Fixed rate of 3.099%APR based on a $150,000 loan paid in 240 payments of $831.90, and includes $500 lender credit towards closing costs. Payments used in examples do not include insurance or taxes; total payments may be higher. Examples are based on the purchase of a single-family home that will be used as a primary residence, and a credit score of 740 or greater. Initial loan balance must be at least $50,000. APR based on $150,000 loans and 80% or less loan-to-value (LTV). Rates apply to a maximum loan amount of $510,400. Larger mortgage amounts will be reviewed on a case-by-case basis. Actual rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), and term of loan. Finance charges are calculated using the daily balance method. Not available in all states. Mortgages available to qualified borrowers with credit scores of 640 or higher. KEMBA membership required. Equal housing lender. Federally insured by the NCUA.


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