Today's Refinance Mortgage Rates
Compare current refinance rates and see how much you could save. Rates starting at 5.5% for qualified borrowers.
Refinance Rates at a Glance
Current Refinance Mortgage Rates
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Real Refinance Success Stories
See how our clients are saving with today's refinance rates
The Martinez Family
“We locked in at 7.25% in 2023. Refinancing to 5.5% is saving us nearly $460/month—that's our kids' college fund!”
David Chen
“I pulled $100K to renovate my kitchen and add a bathroom. Even with the larger balance, my rate dropped enough to make it worthwhile.”
Sarah & Tom Williams
“As veterans, the VA IRRRL was a no-brainer. No appraisal, minimal paperwork, and we're saving $289/month.”
Should You Refinance? Calculate Your Savings
Enter your current loan details to see how much you could save with today's rates.
Refinance Calculator
Compare your current mortgage with refinance options to see potential savings
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When Does Refinancing Make Sense?
Your rate is 0.5%+ higher than current rates
Even a half-point drop can save hundreds monthly
You want to tap home equity
Cash-out refinance for renovations, debt consolidation, or investments
You plan to stay 3+ more years
Time to recoup closing costs through monthly savings
You want to change your loan term
Go from 30-year to 15-year, or extend to lower payments
Refinance Rate FAQs
Today's refinance rates start at 5.5% for a 30-year conventional loan. VA streamline refinances are at 5.25%, and FHA streamlines at 5.25%. Rates update regularly—check the table above for the latest.
Get Your Free Refinance Quote
Tell us about your current mortgage and we'll show you how much you could save with today's rates.