Current Refinance Rates
As low as 0.00%
Compare rates from 0 trusted lenders
Updated Saturday, November 29, 2025
0.00%
Lowest Rate
0.00%
Lowest APR
$252,000
Your Home Equity
60%
Loan-to-Value
Calculate Your Refinance Savings
$
$
%
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All Refinance Rates
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When Should You Refinance?
Refinancing can save you money, but timing matters. Consider refinancing when you can lower your rate, reduce your term, or tap into your home's equity for important expenses.
- Lower rate: Even 0.75% can save thousands
- Shorter term: Pay off faster, save on interest
- Cash-out: Access equity for home improvements
- Remove PMI: If you now have 20%+ equity
Refinance Costs to Consider
- Closing costs: Typically 2-5% of loan amount
- Break-even point: When savings exceed costs
- Appraisal fee: Required to verify home value
- Title insurance: Protects the lender's interest
- No-closing-cost: Higher rate but no upfront fees
Rate & Term Refinance
Replace your current mortgage with a new one at a better rate or term. Your loan amount stays about the same.
Best for:
- • Lowering your monthly payment
- • Reducing total interest paid
- • Shortening your loan term
- • Switching from ARM to fixed rate
Cash-Out Refinance
Borrow more than you owe and receive the difference in cash. Access your home equity while refinancing.
Best for:
- • Home renovations or improvements
- • Debt consolidation at lower rates
- • Major purchases or expenses
- • Investment opportunities
Want to calculate your exact savings?
Use our refinance calculator to see your potential monthly savings, break-even point, and total interest saved.