Compare today's refinance rates
What are current refinance rates? Find and compare today's mortgage refinance rates in your area.
NerdWallet reviewed lenders:
Based on your ZIP code, credit score, loan amount, and other criteria.
INTEREST RATE
MO. PAYMENT
TOTAL INTEREST
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INTEREST RATE
MO. PAYMENT
TOTAL INTEREST
FEES
INTEREST RATE
MO. PAYMENT
TOTAL INTEREST
FEES
INTEREST RATE
MO. PAYMENT
TOTAL INTEREST
FEES
INTEREST RATE
MO. PAYMENT
TOTAL INTEREST
FEES
About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Mortgage rate trends (APR)
NerdWallet’s mortgage rate insight
On Wednesday, Oct. 2, 2019, the average rate on a 30-year fixed-rate mortgage fell five basis points to 4.03%, the rate on the 15-year fixed dropped six basis points to 3.55% and the rate on the 5/1 ARM went down three basis points to 4.23%, according to a NerdWallet survey of daily mortgage rates published by national lenders. A basis point is one one-hundredth of one percent. Rates are expressed as annual percentage rate, or APR. The average rate on the 30-year fixed is six basis points lower than a week ago.
Mortgage rates today (APR)
| Loan type | Average rate | Change 1 day | Change 1 year |
|---|---|---|---|
| 30-year fixed mortgage rate | 4.03% | 0.05% | 0.8% |
| 15-year fixed mortgage rate | 3.55% | 0.06% | 0.81% |
| 5/1 ARM mortgage rate | 4.23% | 0.03% | 0.74% |
How to find current refinance rate
NerdWallet's comparison tool can help you find the current refinance rates for your mortgage. In the "Refine results" section, click or tap the "Refinance" button and enter a few details about your current home loan. We'll scan multiple lenders to find personalized refinance offers and provide you with personalized rate quotes within moments, without a credit check.
What is a mortgage refinance?
A mortgage refinance is an opportunity to upgrade your home loan. You may be looking to cut your monthly payment down to size, change the length of your loan, or cash out some of your home equity for a remodel or to consolidate debt. A refinance allows you to switch into a new loan that could help you achieve one or more of those goals. By comparing rates and terms from multiple lenders, you could save thousands of dollars in interest over the life of the loan, pay off your mortgage sooner or reduce your monthly payment.
When should you refinance?
If interest rates fall significantly after you first take out your mortgage, you could lower your monthly payment by refinancing into a mortgage with a lower rate. Or, if you have equity and want to remodel, a cash-out refi could help you pay for the project. That’s just two possibilities. In the final analysis, it’s a matter of running the numbers. And it’s really pretty easy. Using a mortgage refinance calculator, you can see just how much a refinance might save you—now and in the long run.
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