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Refinance rates

Current Refinance Rates

Our competitive mortgage rates are backed by an experienced staff of mortgage professionals. We update the interest rate table below daily, Monday through Friday, so you have the most current refinance rates available. Use our mortgage calculator to get a customized estimate of your mortgage rate and monthly payment. Try our Home Value Estimator to discover your home's value. For our current mortgage purchase rates, go to Mortgage Purchase Rates.

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Learn about mortgage rates

Mortgage rates are the rate of interest that is charged on a mortgage. Calculated by your lender, mortgage rates can either be fixed for the length of your mortgage or adjustable based on the current market.

Based on a number of factors, mortgage ratesare indicators of the level of risk a potentialhomebuyer presents to a lender. The higherthe risk, the higher the mortgage rate. Qualifiedhomebuyers can find lower mortgage rates byhaving a good credit score, a higher Ƿɲ貹⳾Գ and shorter loan terms.

Mortgage interest rates are just one part ofyour mortgage and they are often confusedwith annual percentage rate. Learn moreabout how interest rates differ from APRs.

Locking in an interest rate is also an option toensure a lower mortgage rate. However, asmortgage rates change daily, work with your to secure the best ratefor your budget and mortgage.

Mortgage refinance rates resources

Mortgage interest rate vs. APR

Mortgage interest rate vs. APR

Learn the difference betweenmortgage interest rates and APRsor annual percentage rates.

7 ways to reduce mortgage rates

7 ways to reduce mortgage rates

Whether you're shopping for mortgages, close to signing or a few years into yours, there are always ways to reduce your monthly payments.

When can you refinance a mortgage?

When can you refinance a mortgage?

Read the factors you should first consider when determining if refinancing makes sense for you.

How to use a mortgage calculator

How to use a mortgage calculator

Follow this step-by-step guide for calculating your estimated mortgage payments.

Helpful tools

Financing a home can be easy when you know how. Browse our tools, resources and articles for help understanding how buying a home, refinancing a mortgage and tapping into your home's equity works.