How can refinancing my mortgage save me money?

Home loan programs and rates change constantly. That's why we've teamed up with our friends at Quicken Loans to show you a list of options, so you can choose what fits your personal goals and lifestyle.

See Today's Mortgage Rates

Terms and conditions apply. Rates as of: 02:12AM (EST) on 11/24/2017.

Current Mortgage Rates

Home Refinance Offers

30-Year Fixed

  • Monthly payment that never changes
  • Ultra-low interest rate
  • Refinance up to 95% of your primary home's value
  • Loan amounts from $25,000 to $3,000,000
  • Payment varies based on your situation
  • No pre-payment penalties
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15-Year Fixed

  • Pay less interest over the life of your loan
  • Consistent rate and payment
  • Pay off your mortgage faster
  • Top choice for the financially savvy
  • Payment varies based on your situation
  • No pre-payment penalties
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HARP Mortgage

  • Refinance even if you owe more on your home than it's worth
  • Lower mortgage rates and payments
  • Customize a term that's right for you (8 to 30 years)
  • Possibly avoid costly PMI
  • Clients save $250/month (on average)
  • Appraisal may not be required
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YOURgage

  • Customize a term that's right for your (8 to 30 years)
  • Fit your payment to match your budget
  • Refinance up to 95% of your primary home's value
  • Loan amounts from $25,000 to $417,000
  • No state restrictions apply
  • Pay off your mortgage faster
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Adjustable Rate Mortgage (ARM)

  • Get the lowest mortgage rate available
  • Flexible loan options
  • Protection against sudden rate spikes
  • Payment varies based on your situation
  • No pre-payment penalties
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One Reverse Mortgage

  • Great financial tool for homeowners 62 and older
  • Eliminate your monthly mortgage payment
  • Will not affect Medicare, Social Security, Medicaid or Supplemental Security Income (SSI)
  • Simple application process
  • Close your loan in the comfort of your own home
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FHA Refinance

  • Flexible qualification and credit requirements
  • Refinance up to 97.75% of your primary home's value
  • Save money with easy and fast streamline options
  • No appraisal required
  • Limited documentation required
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VA Refinance

  • Exclusive benefit for active-duty military personnel, veterans and their families
  • Refinance up to 120% of your primary home's value
  • No monthly PMI (Private Mortgage Insurance)
  • No pre-payment penalties
  • Use your basic allowance for housing toward your monthly mortgage costs
  • Credit scores as low as 620 may qualify for VA loans
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