Rates above are based on a sampling of locked rates across the United States.  Rates assume a purchase with 30% down or more for conventional loans and minimum required down payment for government loans and a credit score of 780 or higher.

Mortgage Rates change on a daily basis and can vary depending on your unique situation. Simply use the quick form below to receive FREE and accurate rate quotes from our 280+ lenders.

What Happens Next

  1. I review your financing goals and property details

  2. I confirm eligibility and best-fit pricing (not just headline rates)

  3. You receive clear options with payment comparisons and break-even analysis

Refinance FAQs

When does refinancing make sense?
Refinancing may make sense if you want to lower your monthly payment, shorten your loan term, access home equity, or remove mortgage insurance.

Do I need an appraisal to refinance?
Some refinance programs allow appraisal waivers depending on your loan type, credit profile, and available data.

How much does a refinance cost?
Costs vary based on loan size, loan type, and pricing strategy. I’ll show options with and without lender credits.

How long does a refinance take?
Most refinances close in approximately 21–30 days once the application is complete.