Your refinance rate. Not a teaser.
There's no single refinance rate — yours is built from your equity, credit, property, and whether you want better terms or cash in hand. So we don't post a number designed to reel you in. Punch in your scenario and see a real, personalized rate in seconds, no personal info required — then let us shop it across 50+ lenders to sharpen it.
There's no such thing as “the” refinance rate.
The rate you see advertised is bait for a borrower who probably isn't you. Your real refinance rate is built from your equity, your credit, your property type and occupancy, and whether you're doing a straightforward rate-and-term or pulling cash out. Change any one of those and the number moves. That's why we don't post a teaser — we show you your rate, personalized, in seconds.
Cash-out costs a little more — and that's normal.
A rate-and-term refinance — same balance, better terms — usually prices sharpest. A cash-out refinance prices a touch higher and caps your loan-to-value lower, because you're borrowing against more of your equity. Neither is “the” rate; they're two different products for two different goals. Tell the quote which you're after and it prices the right one.
The broker advantage is bigger on a refi.
Your current lender knows you're a captive audience and prices accordingly. A broker doesn't — we put your refinance in front of 50+ lenders and let them compete, which on a large balance is real monthly money. And because we shop rather than sell, we'll also run your break-even honestly and tell you if waiting beats refinancing. Rate first, truth always.
Straight answers.
Straight answers — the same way you'd get them on the phone.
Why don't you just post today's refinance rate?+
Because a posted rate is fiction for most borrowers — yours depends on equity, credit, occupancy, and goal. We'd rather show you your actual personalized number in seconds than dangle a teaser you won't get.
Is a refinance rate higher than a purchase rate?+
Often they're comparable, though cash-out refinances typically price a bit higher and cap LTV lower. The honest answer is that it depends on your file — which is exactly why we shop it across many lenders.
Does checking my refinance rate hurt my credit?+
Seeing your personalized quote here takes no personal info and no hard pull. A full application later involves a credit check, but the first look is free and consequence-free.
How do I get the sharpest refinance rate?+
Shop it. One lender's number isn't the market's number. We run your scenario across 50+ lenders and bring back the best fit — then weigh it against your break-even so the low rate is actually worth taking.
Rates shown are personalized estimates based on the information you provide and are not a commitment to lend. Actual terms depend on a full application, credit, and property. Every situation is different.
See your real refinance rate now.
Personalized in seconds — no personal info, no obligation. Doing a cash-out instead? Start there and we'll price it.