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Your Monthly PaymentWith Refinance Options

Compare refinance rates from multiple lenders, explore cash-out refinancing opportunities, and find options that match your financial goals

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Refinance Options

Compare Refinance Solutions

Choose the refinancing option that best fits your goals

Rate-and-Term Refinance

Reduce your interest rate or adjust your loan term

Cash-Out Refinance

Convert home equity into cash for major expenses

Streamline Refinance

Simplified refinancing available for eligible borrowers

• Refinance Rates

Compare Current Refinance Rates

Explore estimated FHA loan rates from participating lenders

30-Year Fixed

4.74%

15-Year Fixed

4.85%

FHA Streamline

4.85%

Disclaimer: CheckRates is a comparison site and not a lender, broker, or loan provider.
Why Refinance

Benefits of Refinancing Your Mortgage

Lower Monthly Payments

Lower Monthly Payments

Reduce monthly housing costs with competitive rates.

Access Home Equity

Access Home Equity

Use cash-out refinancing for renovations, debt consolidation, or major expenses

Shorten Loan Term

Shorten Loan Term

Pay off your mortgage sooner and potentially save on interest

How it works

Your Refinance Journey in 4 Simple Steps

Review Current Loan

Compare Refinance Rates

Estimate Savings

Submit Application

• Refinance Calculators

Refinance Calculators & Savings Tools

Refinance Savings Calculator

Refinance Savings Calculator

Estimate monthly and lifetime savings

Break-Even Calculator

Break-Even Calculator

Calculate how long it takes to recover refinancing costs

Cash-Out Calculator

Cash-Out Calculator

Estimate available equity for cash-out refinancing

APR Calculator

APR Calculator

Compare borrowing costs and annual percentage rates

• FAQs

Frequently Asked Questions