Three ways to
refinance your mortgage
Whether you want to lower your monthly payment, tap into equity, or pay off your home faster — our 2026 comparison tool finds the best loan from top lenders.
- ✔ Rate-and-term refinance — lower interest rate
- ✔ Cash-out refinance — access home equity (tax-free)
- ✔ Shorten loan term — 30yr to 15yr or 20yr
- ✔ FHA, VA, USDA streamline refinance options
- ✔ No-closing-cost refinance available
📉 2026 Sample Rates
Estimate for $300k loan, 740+ credit score
Refinance options for every goal
Lower Monthly Payment
Reduce interest rate by 0.5%-1% to save hundreds monthly. Break-even in 12-24 months. No cash out required.
Cash-Out Refinance
Tap up to 80% of home equity tax-free. Consolidate debt, fund renovations, pay for college, or invest.
Shorten Loan Term
Refinance from 30yr to 15yr — build equity faster, save tens of thousands in interest. Higher monthly but lower rate.
FHA/VA Streamline
No income verification, no appraisal required for FHA/VA borrowers. Quick closing, low documentation.
Remove PMI (Private Mortgage Insurance)
If home value increased, refinance to drop PMI when equity reaches 20%+.
Divorce / Co-borrower Removal
Remove ex-spouse from mortgage via rate-and-term refinance. Qualify on your own income.
Refinance in 4 simple steps
No hidden fees — compare offers and close with confidence.
Enter basic info — loan balance, home value, credit score range. No impact to credit score (soft pull).
View personalized rates, closing costs, and monthly payments from multiple lenders side-by-side.
Select the best offer, lock your rate, and upload documents online — many lenders close in 21 days.
Sign final disclosures, fund the loan. Start saving immediately with lower payment or cash in hand.
Related home & financial services
⭐ Compare rates from Rocket Mortgage, Better.com, LoanDepot, Wells Fargo, Chase, and local credit unions.
Check your 2026
refinance rate — free
See if you qualify for lower payments or cash-out. No impact to credit score. Takes 2 minutes.
🏆 When to refinance?
Rule of thumb: refinance if new rate is 0.5%-1% lower than current rate. Break-even point within 24 months makes sense.
📋 Costs to consider
Closing costs typically 2-5% of loan amount — appraisal, title, origination. Many lenders offer no-closing-cost refi (slightly higher rate).
⚡ 2026 rate forecast
Fed signals potential cuts mid-2026. Lock in now or float? Our lenders offer 60-day rate locks with one-time float-down option.
Why compare refinance rates with us?
We show real rates from 50+ lenders — banks, credit unions, online lenders. No hidden bias.
Get personalized rates without harming your credit score. No impact for multiple inquiries within 45 days.
You choose which lenders to contact. No robocalls or relentless emails.
Many partner lenders close in 21 days or less. Digital document upload and e-sign.
✅ Over 500,000 homeowners compared refinance rates in 2025. Start your 2026 rate check today — it's free, fast, and secure.