Mortgage Refinance Rates
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If you are applying with a co-borrower, the credit score should be the lowest credit score between the two borrowers.
- Minimum credit card payments
- Car payments
- Student loans
- Alimony/child support payments
- Any house payments (rent or mortgage) other than the new mortgage you are seeking
- Rental property maintenance
- Other personal loans with periodic payments
Note: If you are applying with a co-borrower, include both your and your co-borrower's monthly debts.
Do NOT include:
- Credit card balances that you pay off in full each month
- Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
- The new mortgage you are seeking
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Active Military or Veteran?
You may qualify for a low or $0 down payment VA Loan.Update results to include VA eligibility.
Your loan-to-value ratio is high
Your loan-to-value ratio is high
We're sorry, we couldn't find many loan options at this time because your loan-to-value ratio is high.Visit Zillow's Negative Equity Resource Center to learn about additional refinancing options.
Your requested loan amount is low
Requests for home loans less than $50,000 typically receive fewer quotes.
Your requested loan amount is too high
Your requested loan amount may be higher than the conforming loan limit in your area. Consider a larger down payment to decrease the loan amount needed.Learn more about conforming loan limits.
Your debt-to-income (DTI) ratio is high
It is more difficult to obtain a loan with a high debt-to-income (DTI) ratio. Lenders calculate DTI ratios to ensure you are able to comfortably pay your mortgage along with your other debts.Learn more about debt-to-income (DTI) ratios and work to pay down your other debts such as credit cards, student loans and more.
Your credit score is low
Your self-reported credit score is below the optimal range for lenders and may be preventing you from getting more quotes or better rates.Find out how you can improve your credit score.
Retry your loan request
Results not what you expected? Check your loan request inputs and retry.
Total Lender Fees
Total estimated lender fees includes lender, government and other fees associated with the loan quote submitted by the lender. These fees contribute to the total amount of the loan's closing costs. Other third party fees may apply.
Note: A lender may offer a credit to reduce your out of pocket cost. You may be able to use this credit to pay fees associated with your mortgage transaction.
Total Loan Amount
The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront FHA mortgage insurance premium that is included in the total loan amount.
Total Loan Amount
The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront VA funding fee that is included in the total loan amount.
Third Party Fees
The third party services fees are settlement charges that are not paid to the lender. These fees are paid to external service companies for things such as:
- Title insurance
- Recording charges
- Transfer taxes
- Homeowners insurance
These fees are estimates and can vary depending on the company. Typically lenders will recommend providers for you but you can shop around to save money. Follow up with the lender to get a full list of closing costs.
Est. Mortgage Insurance
If you put down 20% or more when you took out your current mortgage, you may not be subject to mortgage insurance if you refi through the HARP program. Ask your lender for more details about your situation.
True Cost is our recommended way to begin comparing quotes. True Cost allows you to:
- Compare quotes by incorporating Rate, Fees, Loan Program, and Points into one number.
- View the interest and fees due over different periods of time.
- Find the least expensive loan for your expected timeframe.
True Cost may not include third-party fees such as title insurance, which may increase the cost of the loan.
The interest rate is the yearly rate charged by a lender to a borrower in order for the borrower to obtain a loan. This is usually expressed as a percentage of the total amount loaned. Note that rates may increase for adjustable rate mortgages.
Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, lender fees, and certain other financing charges the borrower is required to pay. Using APR to compare quotes is helpful because it takes into account both the interest rate and financing fees. The APR is calculated by Zillow.
Zillow confirms through the NMLS that lenders are licensed to originate mortgage business in the state(s) they are quoting in before they are allowed to participate in the marketplace.
Zillow's Quality Assurance (QA) team "mystery shops" lenders to ensure they are honoring their quotes. Also, users can flag quotes for Zillow's QA team to investigate and review their experiences with lenders.
Your contact request will only go to the lender you select. We will never sell your email or phone number to any 3rd party or send you nasty spam.