Best Refinance Mortgage Lenders 2019

There are many steps to refinancing and a lot to know. This guide will help you understand everything you need to know to refinance your mortgage in 2018. We’ll also share our recommendations for the best mortgage refinance lenders and marketplaces.

You may already know that refinancing is your best option. If so, here are a few of our top recommendations:

Low Rates & No Points
Best Overall
LendingTree (Best Overall)

LendingTree is a marketplace, so you can get loan offers from multiple lenders. This makes it easier to find a lender when you have a unique situation. They also offer other types of loans (car, business, etc.)

Quicken Loans (Best for Bad Credit)

If you have bad credit, the sad truth is that one of the best ways to get a great offer on a new loan is to improve your credit score. Lower your debt balance, make payments on time, make sure you are building credit, etc. But if you’ve done everything you can and refinancing is still your best option, we recommend turning to QuickenLoans. They are a marketplace so you are able to apply for your new loan with many lenders, rather than one-by-one as you would have to with banks. QuickenLoans has also been around since 1985, so they have experience in matching all types of borrowers with all different types of lenders. They also have thousands of positive reviews and an A+ BBB rating.

SoFi (Best for Low / No Closing Costs)

SoFi is an online finance company known for transparency. They make a point of eliminating fees from the process. SoFi features no application fees, no origination fees, and even no late or overdraft fees. The online platform can match customers with refinance and cash-out refinance options. SoFi also offers special rates for borrowers looking to payoff student loans with their refinance. A+ BBB rating.

J.G. Wentworth (Best Direct Lender + Best for Veterans)

JG Wentworth is a lender, so you if you get a loan through them, you will be borrowing directly from them (vs marketplaces like LendingTree). The Department of Veterans Affairs backs home loans and refinance loans for veterans, surviving spouses, or people currently in the military. If you qualify for these loans, the terms can be fantastic. If you qualify, it’s a good idea to get your loan with an established bank or company like JG Wentworth.


Before refinancing, and starting a relationship with a new lender, it is important to learn how refinancing works and how it will apply to your unique situation. Sometimes the loans that seem the most attractive on the surface are not actually going to benefit you as a borrower in the long run. Depending on your situation, you may qualify for some benefits. Mortgage refinancing may seem like a complicated topic, but at its core, it is actually very simple.

Read on to learn how and where you can refinance your mortgage this year.

What is Mortgage Refinance?

Refinancing a mortgage is simply replacing your existing home loan with a new loan that has better terms

Your ability to refinance your loan with better terms will depend on a lot of factors, including: the equity you have in your home, current interest rates for mortgage loans, your credit worthiness, and the terms and conditions of your original home loan, to name a few.

Sometimes refinancing may not be appropriate for your current situation. The fees may make it too hard to accomplish, or not worth it. If you have a great interest rate on your original loan, you might not be able to find a better rate.

On the other hand, your situation may make refinancing a wise option. If you currently hold an adjustable rate mortgage, if you are a veteran, if you got your loan at a time that rates were much higher in your location. We’ll go into more detail about this in the next section.

What are the Reasons to Refinance a Mortgage?

Whether to refinance should depend on your goals and the benefits that refinancing will provide. Let’s explore some of the reasons and benefits that refinancing can provide.

1. Adjust Your Interest Rate and Term to Lower Your Monthly Payment

Typically with this approach, the borrower takes out a new 30-year loan, thus, extending the amount of years they will be making payments (adjusting the term). However, doing so will also lower your monthly payment.

Often, your original lender will even let you ‘re-cast’ your loan, or start a new 30-year or 15-year term with them, for only a small fee. In this case, you don’t even need to refinance your mortgage.

By lowering your interest rate, you might even be lowering your total debt obligation. The interest on the loan ends up amounting to thousands of dollars over the lifetime of most mortgages, so bringing down your interest rate by a percentage point or more can have a huge affect on how much you ultimately pay.

Consider, however, that most lenders structure their loans so most of the interest is paid at the beginning of the loan’s term. That means that refinancing to get a lower interest rate and also pay less in the long run will usually only work if you do it within a few years of taking out your initial loan. Plus, interest rates must have gone down since your initial loan for this to be favorable as a borrower.

2. Get Cash Out (Cash-Out Refinancing)

Cash-Out refinancing is when you take out a new loan for more than you currently owe on the existing loan and take the difference in cash.

It is often used as a tool for people to consolidate debt. Rather than paying several different debts, credit cards, student loans, and your mortgage, you can pay all of your other debt off with the money from your cash-out refinance, and be left with only a single mortgage payment to worry about.

Some people also use cash out refinancing to invest in improvements to their home. The borrower may increase their mortgage payments or total debt obligation with this new loan, but they’ve also increased the value of their property.

Additional Resource: How a cash-out refi works

3. Lower Your Total Debt Obligation (with Cash-In Refinancing)

Cash-In refinancing is taking cash and putting it toward your home loan by refinancing your mortgage. The reason you refinance to put cash in is because of the prepayment penalties that are built into most existing home loans. If you pay off your loan before it is due, there are extra fees. This basically assures the lender that they will be paid, regardless of whether the loan is paid off early.

Sometimes a divorce or separation of assets will force a cash-in refinance. In this case the former partner or spouse pays off a part of the existing loan, and the other refinances the loan in their own name.

4. Shorten Your Loan Term and Your Total Debt Obligation

Refinancing to a shorter term typically means switching to a 15-year fixed rate loan, but some lenders will offer different time frames between 15 and 30 years.

The benefits of switching to a 15-year fixed are that you will pay less in the long run than if you’d gone with a 30-year loan. Interest rates are usually about 3% lower for a 15-year compared to the 30-year loans.

The drawbacks of a 15-year fixed are that the monthly payments will be higher. Another consideration is that interest rates are currently so low, that most people would rather take advantage of these rates and invest the other cash in a low-risk investments that beat the interest rate of the loan.

5. Switch from Adjustable to Fixed Interest Rate

Adjustable Rate Mortgages are mortgages where the rate can change based on market conditions. When interest rates on loans start to rise, it’s sometimes a good idea to lock into a different fixed-rate mortgage to avoid the rising rates that could come with your adjustable rate loan.

Currently, rates are starting to rise from historical lows. It is worth considering locking in a fixed rate if you haven’t already.

6. Stop Paying Private Mortgage Insurance

If you made a down payment of less than 20% when you bought your property, then you’ve probably been making private mortgage insurance (PMI) payments as a result.

The good news is that if you’ve made progress toward your original loan, and the outstanding balance on your loan is less than 80% of the home’s value, then you can refinance and stop paying PMI.

The Different Types of Mortgage Refinance Loans: Pros & Cons

There are several types of mortgage loans available, and thus many types of loans you can use to refinance your mortgage. Let’s look at the different types of loans that are available and see how they’ll work when it comes to refinancing, and uncover the pros and cons of using these loans to refinance.

1. Fixed Term (30 Year Loans)

This is the most common type of mortgage refinance. This makes sense because it can be used for several reasons – to lower your monthly payment, switch from an adjustable rate mortgage, or to cash out refinance.

If you are only refinancing this way to lower your monthly payment, see if your current lender offers competitive, low rates. If so, they may let you re-cast (or re-amortize) your loan to give you a better rate, and avoid the refinancing process. This is usually only a small fee.

Pros: In most cases, by refinancing to a 30-year fixed rate you will lower your monthly payments, except if you are cashing out. In some cases, you may even lower your total debt obligation in the long-term. If you are cashing out, you’ll be able to get a lot of cash quickly by refinancing to a 30-year fixed.

Cons: You are extending the length of your loan. If you are an investor, this may not be important, as it would probably lead to greater cash-flow in the near term. The fees; this will be a con of every loan, but the fees, if large enough, could make refinancing not worth it.

2. Fixed Term (15 Year Loans)

There are a few reasons to refinance to a 15-year fixed-rate mortgage.

One example that can apply to you no matter what your existing loan is: You may ‘come into cash’ that you would like to put toward your mortgage. If it covers enough of overall cost of the original loan, then you may be able to still have a ‘low’ monthly payment, since the total loan is lower after you’ve put that cash toward it.

Also, if interest rates are significantly lower, than they are for a 30-year loan, that could make the difference worth it to you, if you can afford it.

Pros: You pay off the debt much sooner.

Cons: The monthly payments are higher for 15-year loans than they are for 30-year loans. It will also result in you having less cash on hand. And cash pays the bills, not houses.

3. Adjustable Rate Mortgage (ARM) Refinance

Adjustable rate mortgages typically offer lower rates than the fixed rate loans. It makes sense if you plan to sell the home shortly after refinancing. Or if you know you will refinance once again after you financial situation improves. It also makes sense if the market trends suggest that mortgage rates will continue to decline for the foreseeable future. But while rates are rising, people are trying to refinance out of their ARM loans.

4. Government Issued Refinance Programs

To encourage activity in the housing market, the government has sponsored several different programs that help people trying to purchase a home or refinance an existing home loan.

Let’s review a few of the programs that government offers to help people trying to refinance.

  • Home Affordable Refinance Program(HARP)
    • HARP loans are designed for people who took out loans before May 31, 2009, and who have a Loan-to-Value ratio greater than 80%. This situation describes someone who has built barely any equity in their home, and, in many cases, are in a state of financial distress.
    • HARP refinances up to 125%, to help “underwater” homeowners.
    • Pros: Helps you if you are struggling to build equity.
    • Cons: Only applies if you are already struggling to build equity or pay off your existing mortgage.
    • But not much downside if this describes your situation.
  • Federal Housing Administration(FHA)
    • Having an existing FHA loan is not a requirement of refinancing into one.
    • If you have an existing FHA loan, it is called “streamline refinancing” because you are improving your financial situation with the refinance and ‘streamlining’ the loan.
    • Refinancing into an FHA makes a lot of sense if you have built very little equity in your home since taking out your first mortgage.
    • Also a good option if you have a week credit score.
    • You can also cash out refinance with an FHA, which is available up to a maximum loan-to-value of 85 percent
    • Pros: Low interest rates with very low equity requirement.
    • Cons: Requires private mortgage insurance (PMI)
  • US Department of Veterans Affairs(VA)
    • Loans are offered by standard lenders but backed by the Office of Veterans Affairs.
    • Program can be used by veterans, active military persons, or surviving spouses of military persons
    • 2 major reasons to use this, and they are standard – cash out, to pull out equity in home; or to reduce your interest rate/ monthly payment
    • Pros: Allows you to refinance up to 100% of your home’s value. Interest rates are typically lower b/c the loans are guaranteed by the VA. No PMI, even if the equity built is less than 20%.
    • Cons: If you’re not a veteran, it’s not available to you. All awesome if you’re a veteran.
  • United States Department of Agriculture(USDA)
    • The USDA offers loan programs to homeowners with below average household incomes that live in rural areas. Areas must be designated as rural by USDA
    • Refinance this way if you already have an existing USDA backed loan
    • Get up to 102% of home value when refinancing.

What Factors Determine Mortgage Refinance Rates?

There are several factors that will affect the interest rates available to you when looking for a new loan to refinance your mortgage. You can only control a few of these factors. Let’s look at each of them and see how these factors affect you and your situation.

1. Borrower’s Credit History / Credit Score

In general, borrowers with higher credit scores and better credit histories will be offered lower interest rates by lenders than borrowers with lower credit scores. The most you can do to improve your rate while refinancing is improve your credit score. Steady income (2+ years of W2 income) also makes a borrower look more attractive, and also helps to lower their interest rates.

2. The Loan-to-Value Ratio

When you are first applying for a mortgage, the amount you put down for the down payment had a large effect on what your interest rate was. Similarly, the amount of equity you have in the home when you refinance will affect the interest rates you are offered. This is summarized by the “Loan-to-Value Ratio”, which is the amount you owe compared to the value of the property. Generally speaking, the interest rate will be lower when loan-to-value ratio is lower, i.e. when more of the existing debt has been paid off.

3. The Type of Loan

The type of loan you choose when refinancing will have a large impact on your final interest rate.

We’ve already discussed the different types of loans and which situations they are best used in. In general, switching to a longer term (30-year) fixed-rate loan will save you the most in your monthly payments. It is also probably the most favorable way to pull cash out of the equity you’ve built in your home.

However, shorter term fixed rate loans and even adjustable rate mortgages can also be taken advantage of to help people meet their goals, if they are in the right situation.

It is also very important to explore the different types of government supported loan programs because they often create opportunities for much lower rates than can be achieved otherwise.

Current Mortgage Refinancing Rates

Compared to historical rates, the current rates for a mortgage loan are very low. Therefore refinancing rates are also cheaper, since refinance loans are merely replacement mortgage loans.

See the table below to see what the current interest rates are for 30-year fixed, 15-year fixed, and 5 year adjustable rate loans.

Current Mortgage Refinance Rates

(as of 1/1/2018)

Loan Interest Rate 1 wk change Loan Amount Interest Paid
30-year fixed 3.95% -0.01% $250,000 $206,017
15-year fixed 3.38% -0.02% $250,000 $94,247
5/1 arm 3.45% -0.01% $250,000 $29,645

Source: Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US,MORTGAGE15US,MORTGAGE5US], retrieved from FRED, Federal Reserve Bank of St. Louis; January 8, 2018.

Historical Mortgage Refinance Rates

Historical interest rates have ranged from a low of 3.3% in 2012 to a high of over 18% in the early 1980s. Since the housing crisis in 2008, rates have been low, below 6%. Comparing historical 15-year fixed to 30-year fixed mortgage rates shows that the 30-year loans have always been a little more expensive than the 15-year loans. But both have virtually the same historical trend. Similarly, adjustable rate mortgages have remained less expensive than fixed-rate mortgages. See the chart below to compare historical rates

Source: Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States [MORTGAGE30US,MORTGAGE15US,MORTGAGE5US], retrieved from FRED, Federal Reserve Bank of St. Louis; January 8, 2018.


When Does It Make Sense to Refinance?

We’ve already discussed the major reasons that someone may want to refinance their mortgage. If it sounds like you could benefit from refinancing, now it’s time to ask the more serious questions to find out, “Does refinancing make sense, right now?”

Even though refinancing might sound like a good idea, it’s possible that your current financial situation will make it difficult for you to do so. Read on to find out whether you might qualify for a new mortgage loan with another lender.

Mortgage Refinance Qualifications

You must meet the qualifications to refinance. Even if you are confident that you can afford the fees and that it will be a favorable move, you must still convince your lender as well. There are 3 big factors that the lender will consider when deciding whether you qualify for the new loan.

1. Home Equity

The value of the property should be more than new loan amount, except in special cases, like the USDA loan which allows 102% refinancing.

2. Income

Lenders will look at your total income and compare that with your monthly debt obligation. Your monthly debt obligation, including the new refinanced mortgage payment, should be < 43% of gross income.

3. Credit

Credit score should meet the acceptable minimums. Lender minimums are usually 620-660 depending on the lender.

How to Refinance a Mortgage with Bad Credit

Even though some borrowers demand high credit scores, there are still ways to refinance with a bad credit history. Consider a “streamline refinance” through one of the government sponsored mortgage refinancing options.

  • HARP if you took your loan before 2009, and have accumulated less than 20% equity.
  • FHA refinancing has very few requirements to qualify.
  • VA if you are a veteran and USDA for those in rural areas.
  • Explore multiple lenders, and try local lenders, who may be more flexible.
  • Find a cosigner.
  • FHA refinance as a last option.
  • Focus on improving your credit situation.

How much does it Cost to Refinance?

There are a wide range of fees that come with your mortgage refinance. Some lenders strive to minimize the fees that the borrower has to pay, while others are quite aggressive with the fees they’ll apply. Learn about the different types of fees below so you’re not surprised once the process gets started.

List of Mortgage Refinancing Fees
  • Mortgage Application Fee($250 – $500) – fee to apply for a new mortgage
  • Appraisal Fee($200 – $600) – cost to get an appraisal report for the value of your home
  • Origination Fees(1% the value of home)
  • Document Processing Fee($200 – $500) – charged by lenders for processing the paperwork
  • Credit Report Charge($50 – $100) – the lender may charge a fee to pull your credit history and report
  • Title Search($200 – $400) – some lenders require this before refinancing
  • Title Insurance($400 – $800) – insurance to guard against errors with the title transfer
  • Recording Fees ($25 – $250) – sometimes charged by the city or county for recording the paperwork
  • Points– some lenders charge additional points (percentage points) to increase their profits on the loan. These are negotiable with the lender.
  • Other feesyou may have to pay – land survey fee, inspection fee, closing fee to reviewing attorneys, an underwriting fee, and possibly others

Companies like SoFi make a strong effort to be transparent with their fees, and do their best to eliminate them when possible.Check out ourcomprehensive SoFi reviewto learn more.

Use a Refinance Calculator to Estimate Monthly Payments

Using a calculator isn’t a substitute for actually talking to lenders. Obviously, to secure a new mortgage, you will need to get rates from lenders and be approved by them to borrow money. But it is very much worth taking the time with an online mortgage refinance calculator before talking to lenders to see what rates / monthly payments you might expect from a lender.

There are also cash-out refinance calculators available to help you see how much cash you can pull out of the equity in your home.

Should I Refinance? 

Based on your current loan conditions, we recommend using lendingtree to compare rate and calculate your new payment


If you’ve learned all about mortgage refinancing, believe it will benefit you in your current situation, and believe that you will qualify for a new loan with a lender, it’s time to figure out how you’ll actually make the refinance happen. Keep reading to find out which steps you’ll need to take to refinance your existing mortgage.

What Are the Steps of the Refinancing Process?

1. Estimate the Financial Benefits of Refinancing

You believe that refinancing will benefit you, so do the research and confirm that everything will work the way you expect it to. Get ready to ask specific questions to lenders that will make you confident in your decision to refinance. Use online calculators and current interest rates to estimate what your new monthly payments or cash-out potential will be.

2. Get Your Credit Score and Gather Your Financial Documents

Time to start gathering your information and documents for lenders. You will need to find your credit score (this is more for your own information to confirm that you will qualify; lenders will run their own credit reports about you). Check out our free credit report options. You may also need to get a copy of your 2 most recent tax returns. Some lenders are known to request copies of recent pay stubs, so be prepared to pull this information if it is needed.

3. Determine Your Home’s Current Value

Knowing the value of your home is important because lenders will compare the value of the home to the remaining balance on your loan.

Check the value of your home with these resources to make sure you’re in the right ballpark, but you may also have to pay the lender or a professional home appraiser to get an appraisal and determine the value of your home.

Zillow andTrulia are popular tools to check the value of your home.

4. Compare Options for the Best Mortgage Refinance Loan and Choose a Lender

Now it’s time to start reviewing companies and their loan offers. And once you’ve received some offers, you can make your choice.

Many lenders will offer very similar loan terms and rates, but some may provide unique value to your specific situation.

Below, we’ll compare some of our recommendations for lenders, based off of our extensive research.

5. Determine the Total Cost to Refinance with Fees

Once you’ve selected your lender, you should do a little due dilligence before signing on the dotted line. Once you commit to the loan, you may be in it for the next 30 years, so make sure you’ve done everything right.

Recalculate the total benefit you’ll expect get out of refinancing with all fees that the lender will charge you included. If the numbers still add up favorably, you’re almost done.

6. Sign the Paperwork and Secure Your Refinance Loan

After you’ve confirmed that the refinance is going to put you into a better financial state, it’s time to sign. Don’t wait too long because the time when you sign is when you lock your rate. You can optionally lock your rate early, but this is not likely necessary. You’ll also probably have to pay most of the fees up front, so be ready to pay some cash or use some of the cash that you’re cashing out with the refinance.


If you’ve learned all about mortgage refinancing, believe it will benefit you in your current situation, it’s time to review some lenders and get some offers.

What Are the Different Types of Refinance Companies?

Traditional Banks

Banks are direct lenders. Most banks have a fairly established track record and are very financially secure. This means you’re unlikely to lose your investment or have your loan sold to another entity because the lender you’ve chosen can’t support your loan anymore.

Local & Alternative Lenders

Local mortgage lenders are also direct lenders, but we differentiate them here, because it is often these smaller lenders that are more willing to make flexible loan agreements with borrowers in unique situations. Similarly, there are other alternative lenders that may be more flexible with your circumstances. For instance, there are now many home builders and real estate agencies with in house

Brokers & Marketplaces

Brokers and marketplaces do not lend to you directly, but allow you to view offers from multiple lenders.

A broker is almost the same as a marketplace, however, the term broker is usually used to refer to a firm who will manually match you with the best lender for your situation. A marketplace, like LendingTree and SoFi, typically uses a more automated process. Both can be useful in different situations. For instance, a smaller broker may be able to find you a more customized loan by using some of the personal relationships they’ve built over the years.

What Differentiates Lenders?

When choosing between the different direct lenders and marketplace options available to you, consider a few things first.

Loan Options Available

Does this company offer all of the types of loans that may be useful for someone in your situation?

We’ve already mentioned all of the various types of loans you might want. Hopefully by the time you’re sorting through potential lenders, you’ve decided which type applies best to your circumstances.

If you have a weak credit history, make sure the lender offers FHA streamline refinance. And if you are a veteran, you must choose a lender that offers VA refinancing.

By this time, you should know your goals, and which loan will help you get there; now only focus on lenders that offer those types of loans.

Application Process (Borrower Requirements)

And at this point, you will also have all of your paperwork and information ready to submit to potential lenders.

If a lender seems to offer the loan you need and you think it’s a good fit, you shouldn’t let a cumbersome application process stand in your way from applying for that loan.

However, if there are many lenders with similar rates / loan terms, start with the most straightforward applications and work your way down. In fact, sometimes the application can give you a window into what working with this company will be like in the future. If the process is smooth and the company is quick to respond to you, you might guess that future communications with this lender will be similarly effortless.

Company Reputation

Lastly, consider the company’s reputation.

You can evaluate their reputation by considering things like when they were founded, their Better Business Bureau ratings, and their credit / financial strength ratings.

Generally, for financial decisions like a mortgage refinance, it is a good idea to go with companies that have been around and are likely to remain in business for the duration of your loan.

It’s unlikely that you will lose your home or be forced to pay more than you signed up for. But those issues are next to impossible if you are working with a long standing direct lender, like a large bank.


Banks are typically among the strongest lenders from a financial standpoint. There is little doubt that large banks such as Bank of America and Wells Fargo will be able to service your loan for its entire lifetime. However, which such security comes a lack of personal touch and customization. Most large banks have more stringent guidelines for who they are willing to lend to.

There are also smaller direct lenders, such as local mortgage firms, real estate agencies, and homebuilders. These lenders may be more flexible with who they are willing to lend to, but they may also be less financially secure than a large bank.

JG Wentworth – (Best Direct Lender + Best for Veterans)

JG Wentworth is a lender; but not as large as Chase, Bank of America, or Wells Fargo

They have a strong A+ rating from the Better Business Bureau

Wells Fargo – (Best Large Bank)

WellsFargo is one of the largest banks providing mortgage refinancing, so their financial stability is among the best of lenders you could choose from.

We still prefer smaller banks, if you are going to choose a bank, but it’s hard to deny the strength of a lender like Wells Fargo.


In general, we prefer searching for mortgage refinance loans through marketplaces. Because you see so many different options for loans, including those offered by large banks, we think it’s the most efficient and straightforward way to find a lender.

Here are the top marketplaces to help you refinance your mortgage.

LendingTree (Best Overall)

LendingTree is a marketplace, so you can get loan offers from multiple lenders. This makes it easier to find a lender when you have a unique situation.

Quicken Loans (Best for Bad Credit)

If you have bad credit, the sad truth is that one of the best ways to get a great offer on a new loan is to improve your credit score. Lower your debt balance, make payments on time, make sure you are building credit, etc. But if you’ve done everything you can and refinancing is still your best option, we recommend turning to QuickenLoans. They are a marketplace so you are able to apply for your new loan with many lenders, rather than one-by-one as you would have to with banks. QuickenLoans has also been around since 1985, so they have experience in matching all types of borrowers with all different types of lenders. They also have thousands of positive reviews and an A+ BBB rating.

SoFi (Best for Low / No Closing Costs)

SoFi is an online finance company known for transparency. They make a point of eliminating fees from the process. SoFi features no application fees, no origination fees, and even no late or overdraft fees. The online platform can match customers with refinance and cash-out refinance options. SoFi also offers special rates for borrowers looking to payoff student loans with their refinance. A+ BBB rating.


If you also know which type of loan is going to suit your circumstances best, it’s time to start browsing lenders and loan offers.

Get started now by seeing some offers, curated by our top choices for mortgage refinance loans:


  1. LendingTree: Our #1 Choice, A+ Rating with the BBB
  2. J.G. Wentworth: Super Low Mortgage Rates
  3. Quicken Loans: Industry-Leading Online Tools
  4. CrossCountry Mortgage: Close Loans in as Few as 21 Days
  5. Fast and simple online application
  6. Rocket Mortgage: Automated refinance approval in minutes
  7. Lenda: Quick online refinance process
  8. Federal Trust Mortgage: Get quotes from multiple providers
  9. LendingHome: 24/7 access to most updated market rates
  10. AmeriSave Mortgage: $1000 Rate Match Guarantee!


Our Partner
  • Our #1 Choice
  • Rates as Low as 3.75% APR (15 year fixed)
  • Compare Quotes From up to 5 Lenders for Free in Minutes
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  • More Than 40 Million Customers Served
  • When Banks Compete, You Win!
  • Lower Interest Rates and Monthly Payments
  • Adjust Loan Terms or Convert From a Variable to Fixed Rate
Our Partner
  • Low mortgage rates
  • No points and no hidden fees
  • No closing cost options available
  • Named by LendingTree as top customer-rated in 1Q17
  • A+ Rating with the Better Business Bureau
  • Wide variety of mortgage refinance options including cash-out and debt consolidation
  • Not available in NY, NV, and HI


Our Partner
  • A+ Rating with the BBB
  • Industry-Leading Online Refinance Tools
  • Award Winning Client Service
  • Multiple Loan & Refinance Options to Fit Your Needs
  • Fortune 100 Best Companies to Work For 2017
  • Highest in Customer Satisfaction in the U.S.
  • Live Chat Available
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Our Partner
  • Close Loans in as Few as 21 Days.
  • Secure lower interest rates and reduce monthly payments
  • Modify your loan term
  • Consolidate multiple debts into one easy-to-manage loan
  • Get pre-qualified online
  • Mortgage Banker Association Member
  • Equal Housing Opportunity Lender
  • Multiple Refinance Programs to Choose From
Our Partner
  • Switch to a Fixed Rate Mortgage
  • Available In: AZ, CA, CO, FL, GA, IL, MI, OR, PA, TX, VA and WA.
  • Quick online mortgage refinance process
  • Only for homeowners with 620 credit score and better
  • Get a quote in minutes
  • Close your loan 3x faster compared to industry averages
Our Partner
  • Rocket Mortgage by Quicken Loans!  We’ve Reinvented the Refinance Process.
  • Get an automated refinance approval in minutes
  • Save time & avoid paperwork by sharing your finances online.
  • Real Numbers in Real-Time
Our Partner
  • Refinance up to 95% of your primary home’s value
  • Loan amounts from $25,000 to $2,000,000
  • Payments do not change throughout the loan’s life
  • Most loans closed in 30 days or less
  • Pay off your mortgage at any time—no pre-payment penalties
  • Free, personalized rate quote
Our Partner
  • Fast and simple online application
  • Wide network of lenders to choose from
  • Receive up to 4 messages per month
  • Get matched to a list of potential lenders
  • Determine if you are eligible for a HARP refinance
Our Partner
  • One of the nation’s top home mortgage and VA lenders
  • Speak with professional loan consultants
  • Competitive rates, no hidden fees
  • Simple pre-qualification process
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  • Minimum Credit Score of 620 Required
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