Refinance and save

Get zero closing costs1 and an intro rate of 1.99% APR2 on a 10 & Done.

What would you do if your mortgage was paid off? Whether you want to be ready for retirement, spend more on friends or family, or put a little extra in your savings, Veridian can help. Moving your mortgage to a 10 & Done loan is easy, with far less paperwork and faster closing than a typical refinance.

Even better: When you apply by Nov. 30, you'll get zero closing costs1 and an intro rate of 1.99% APR2 for the first six months. Combined with a rate as low as 2.99% APR3 with Loyalty Program3 after, you could save thousands on interest as you pay your home off in 10 years.

Why might you want to refinance?

  • The interest rate on your mortgage is higher than 2.99% APR.
  • You want to explore options with a lower monthly payment.
  • You want to pay less interest overall and keep more of your hard-earned money.
  • You want to refinance but don’t want to pay the closing costs of a new traditional mortgage.
  • You don’t plan to stay in your home long enough to recoup the closing costs of a new traditional mortgage.
  • You want to pay your mortgage off faster and own your home in 10 years.

Turn your mortgage into a 10 & Done loan and get

 Zero closing costs1

 1.99% APR
intro rate for the first six months

 as low as 2.99% APR3
with Loyalty Program3 after

Use our loan calculator to discover your potential savings.

Refinance your mortgage with a 10 & Done loan to save money, pay off your home faster and achieve financial freedom sooner. Schedule an appointment to discuss your options or begin an application today. 

Act by Nov. 30 to take advantage of zero closing costs and an intro rate of 1.99% APR for the first six months!


1 Standard closing costs of up to $275 are waived. Other fees, such as appraisal or title guarantee fee, may apply and will be paid by borrower. Offer valid on applications received through 11/30/21 and may not be used in conjunction with first-mortgage loans. Initial loan balance must include at least $10,000 in new money to the credit union to qualify. Existing loans with Veridian may be refinanced if the new loan balance contains at least 25% new money to the credit union.

2 APR = Annual Percentage Rate. Introductory rate offer of 1.99% APR for first six months is valid on applications received through 11/30/21 and is not eligible for Loyalty Program discount during this period. After introductory period, loan returns to regular rates and terms.

3 Loan must be in first lien position. Rate includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net income to Veridian or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio and collateral conditions. Loan-to-value ratio must not exceed 80%. 10 & Done loans only available in Iowa and Nebraska. 10 & Done loans do not include escrow, so you will be responsible for tax and insurance payments. All loans subject to membership and approval. See Veridian for details.

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