Current Refinance Rates
Compare current refinance rates and see how much you could save by refinancing your mortgage. Lower your monthly payment or access your home equity.
30-Year Fixed Refi
Rate & Term
Current Refinance Rates
Whether you want to lower your payment, shorten your term, or access equity, find the right refinance option.
30-Year Fixed
Rate & Term Refinance
15-Year Fixed
Pay Off Faster
Cash-Out Refi
Access Home Equity
FHA Streamline
Simplified Process
VA IRRRL
Veterans Streamline
HELOC Calculator
See how much home equity you can access
Should You Refinance?
Refinancing makes sense when you can lower your rate by at least 0.5-1%, shorten your loan term, or access significant equity. Consider your break-even point and how long you plan to stay in your home.
Good Time to Refinance
Current rate is 0.75%+ higher than today's rates
Build Equity Faster
Switch from 30-year to 15-year and save on interest
Access Home Equity
Cash-out refi for renovations, debt consolidation, or investments
Quick Break-Even Calculator
Monthly savings should recoup costs within this timeframe
Types of Refinance
Rate & Term Refinance
Replace your current mortgage with a new one at a lower interest rate or different term. No cash out - just better terms on your existing loan balance.
Cash-Out Refinance
Borrow against your home equity and receive cash at closing. Great for home improvements, debt consolidation, or major expenses. Typically limited to 80% LTV.
Streamline Refinance
Simplified process for FHA, VA, and USDA loans with reduced documentation and often no appraisal required. Fastest path to lower rates.