Mortgage Refinance | Get Today's Refinance Rates

See the difference a new loan can make.

Find what’s best for your home with our modern mortgage experience.

Refinance pre-approval question screens from the application.

Refinancing is simple. Complete your application 100% online anytime, from anywhere.

No lender fees - no application, origination, processing, or underwriting fees (unlike most big banks and lenders)
Q&A application you can complete in as little as 15 minutes
Close typically up to 10 days faster than industry average
Reliable support from a team of home loan experts

Refinance for the right reasons.

Take cash out.

Leverage your home’s equity with a cash-out refinance and get money to use however you want.

Make home improvements
Combine loans or pay down debt like a high-interest credit card
Pay for yourself or someone else to go to school

Lower monthly payments.

You may be able to get a lower rate so you can save money each month.

Increase monthly cash flow
Save for a life event or long-term goal

Pay off your loan faster.

Change to a shorter term to pay off your home sooner.

Become mortgage-free faster
Lower the total amount of interest you pay over time

The path to refinancing is easier than you think.

Understand your goal.

Discover how much your home is worth . Then add that value to our calculator to see how refinancing impacts your financial picture.

Get a custom quote or lock your rate in minutes.

Tell us about yourself and your current home loan. We’ll get you a quote right away with no impact to your credit score.

Complete your application and manage documents online.

You can upload, sign, and submit documents online. If you need a little extra help, you can text, call, or email your home loan expert for personalized guidance.

Prepare for closing.

You’ll finalize everything in person. We’ll let you know where to go and what you’ll need to bring (besides a pen). Your closing expert can provide peace of mind should you have any questions beforehand.

Refinance rate roundup.

Enter your specifics to see more accurate refinancing options.

These rates are based on a , with in .

Enter your specifics to see more accurate refinance rate options:

Customize your rate

Customized mortgage rates

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FAQs

We have answers.

Your rate is based on today's mortgage rates and current housing market. To get you a personalized, up-to-date rate, we also factor in your credit score, property location, property type, loan amount, loan type, term, and loan-to-value (LTV) ratio. The LTV ratio is the percentage of your current principal loan balance (based on your down payment, if purchasing) compared to your home’s original value.

More on interest rates
The interest rate is the rate of interest charged on a home loan and can be fixed or variable, depending on which loan you choose.

The APR is a measure of the cost to you for borrowing money. The APR includes your interest rate, points, fees, and other charges associated with your loan – that's why it’s usually higher than your interest rate.
Every situation is different, but when we review your home loan application, we look at your:

Credit score. This is determined by things like payment history and how long you've had credit. Your score is one of a few factors we'll use to figure out how likely you are to pay back your loan and what interest rate you'll get.

Debt-to-income ratio. This percentage is your total monthly expenses divided by your gross monthly income.

Down payment. This is the amount paid up front when you purchase a home and isn't part of the loan. The amount you put down plays a part in which home loan type you qualify for and whether or not you’ll need mortgage insurance.

Employment history. We want to make sure you'll be able to afford your home, so proof of income is important.

Still have questions? Visit our Help Center .

Mortgage Refinancing

Let your home work for you.