Current Refinance Rates

Search for the Best Mortgage Refinance Programs and Loans

Take advantage of lower rates and save more money by refinancing into the best mortgage rate available to you. It’s especially important to take advantage of refinancing your mortgage when rates are lower compared to your current mortgage rate. The process of refinancing a home is essentially replacing the loan you currently have with a different loan under different terms, mainly amortization periods or rates. Depending on your financial situation, you can greatly benefit from a home refinance if you choose the right program for you and your home.

Shopping around from lender to lender will net you the best rates and a loan program that fits your needs and budget. Some lenders offer special programs and discounts, so make sure you grab quotes from multiple lenders. The program and lender you go with to refinance your home will have a huge effect on your budget and can be the determining factor between vacations, cars, or home improvements.

Comparing Mortgage Refinance Programs and Loans

When comparing rates, make sure you understand all the financial statistics of your home. What it is appraised at, what the loan balance is, are there any late payments for the mortgage, what is the debt to income ratio for the household, what is the signer’s credit rating? Also, do you have outstanding debt that you need to consolidate into the loan in order to finance payments and get creditors off your back? Keep these questions in mind in order to create a solution to the larger issue of your financial freedom, as that’s what a mortgage essentially is; the financial freedom to own a home without being overwhelmed by the costs of a home. All these factors can benefit or hurt your position depending on what you need to get out of the home mortgage refinance.

How You Can Save Money Refinancing Your Home Mortgage

Now that you understand the process and information that goes into picking a program and what will determine your refinance mortgage rates, you can pick which program will save you the most money on your mortgage. It usually is divided into two aspects, saving money initially, or saving money in the long run. Of course, saving money in the long run is the cheapest overall method, but requires a hefty upfront cost in the method of buying points. To save in the short term, you can refinance into programs that require no costs or “no cost refinances” that include all the fees into the mortgage, thus saving you money on average over the course of the first 4-5 years. Depending on your living situation and how long you will be in the home will give you an idea of which program is best for you.

How to Find the Best Mortgage Refinances Easily

Lender411.com is an industry-leading platform that allows borrowers to ask mortgage refinance related questions, input their loan scenario for their refinance, and receive quotes and offers from thousands of mortgage professionals. Lender411.com provides easy comparison between refinance quotes and gives complete transparency to the process. Within minutes you will be on the path to researching the best refinance program for your home. No Obligation, No Credit Check, Free Quotes. And the best part of Lender411.com is that it’s all free to our borrowers. We don’t run a credit check, we don’t obligate you to fulfill a refinance through our participating lenders. Our site is meant to do all the work for you with none of the hassle that is typical of conventional means to finding a mortgage refinance quote.

Alabama

Alabama 30 year fixed mortgage rates | Alabama 15 year fixed mortgage rates | Alabama 10 year fixed mortgage rates | Alabama 20 year fixed mortgage rates | Alabama 1 year ARM rates | Alabama 3/1 ARM rates | Alabama 5/1 ARM rates | Alabama 7/1 ARM rates | Alabama 30 year FHA mortgage rates | Alabama 15 year FHA mortgage rates |

Alaska

Alaska 30 year fixed mortgage rates | Alaska 15 year fixed mortgage rates | Alaska 10 year fixed mortgage rates | Alaska 20 year fixed mortgage rates | Alaska 1 year ARM rates | Alaska 3/1 ARM rates | Alaska 5/1 ARM rates | Alaska 7/1 ARM rates | Alaska 30 year FHA mortgage rates | Alaska 15 year FHA mortgage rates |

Arizona

Arizona 30 year fixed mortgage rates | Arizona 15 year fixed mortgage rates | Arizona 10 year fixed mortgage rates | Arizona 20 year fixed mortgage rates | Arizona 1 year ARM rates | Arizona 3/1 ARM rates | Arizona 5/1 ARM rates | Arizona 7/1 ARM rates | Arizona 30 year FHA mortgage rates | Arizona 15 year FHA mortgage rates |

Arkansas

Arkansas 30 year fixed mortgage rates | Arkansas 15 year fixed mortgage rates | Arkansas 10 year fixed mortgage rates | Arkansas 20 year fixed mortgage rates | Arkansas 1 year ARM rates | Arkansas 3/1 ARM rates | Arkansas 5/1 ARM rates | Arkansas 7/1 ARM rates | Arkansas 30 year FHA mortgage rates | Arkansas 15 year FHA mortgage rates |

California

California 30 year fixed mortgage rates | California 15 year fixed mortgage rates | California 10 year fixed mortgage rates | California 20 year fixed mortgage rates | California 1 year ARM rates | California 3/1 ARM rates | California 5/1 ARM rates | California 7/1 ARM rates | California 30 year FHA mortgage rates | California 15 year FHA mortgage rates |

Colorado

Colorado 30 year fixed mortgage rates | Colorado 15 year fixed mortgage rates | Colorado 10 year fixed mortgage rates | Colorado 20 year fixed mortgage rates | Colorado 1 year ARM rates | Colorado 3/1 ARM rates | Colorado 5/1 ARM rates | Colorado 7/1 ARM rates | Colorado 30 year FHA mortgage rates | Colorado 15 year FHA mortgage rates |

Connecticut

Connecticut 30 year fixed mortgage rates | Connecticut 15 year fixed mortgage rates | Connecticut 10 year fixed mortgage rates | Connecticut 20 year fixed mortgage rates | Connecticut 1 year ARM rates | Connecticut 3/1 ARM rates | Connecticut 5/1 ARM rates | Connecticut 7/1 ARM rates | Connecticut 30 year FHA mortgage rates | Connecticut 15 year FHA mortgage rates |

Delaware

Delaware 30 year fixed mortgage rates | Delaware 15 year fixed mortgage rates | Delaware 10 year fixed mortgage rates | Delaware 20 year fixed mortgage rates | Delaware 1 year ARM rates | Delaware 3/1 ARM rates | Delaware 5/1 ARM rates | Delaware 7/1 ARM rates | Delaware 30 year FHA mortgage rates | Delaware 15 year FHA mortgage rates |

District Of Columbia

District Of Columbia 30 year fixed mortgage rates | District Of Columbia 15 year fixed mortgage rates | District Of Columbia 10 year fixed mortgage rates | District Of Columbia 20 year fixed mortgage rates | District Of Columbia 1 year ARM rates | District Of Columbia 3/1 ARM rates | District Of Columbia 5/1 ARM rates | District Of Columbia 7/1 ARM rates | District Of Columbia 30 year FHA mortgage rates | District Of Columbia 15 year FHA mortgage rates |

Florida

Florida 30 year fixed mortgage rates | Florida 15 year fixed mortgage rates | Florida 10 year fixed mortgage rates | Florida 20 year fixed mortgage rates | Florida 1 year ARM rates | Florida 3/1 ARM rates | Florida 5/1 ARM rates | Florida 7/1 ARM rates | Florida 30 year FHA mortgage rates | Florida 15 year FHA mortgage rates |

Georgia

Georgia 30 year fixed mortgage rates | Georgia 15 year fixed mortgage rates | Georgia 10 year fixed mortgage rates | Georgia 20 year fixed mortgage rates | Georgia 1 year ARM rates | Georgia 3/1 ARM rates | Georgia 5/1 ARM rates | Georgia 7/1 ARM rates | Georgia 30 year FHA mortgage rates | Georgia 15 year FHA mortgage rates |

Hawaii

Hawaii 30 year fixed mortgage rates | Hawaii 15 year fixed mortgage rates | Hawaii 10 year fixed mortgage rates | Hawaii 20 year fixed mortgage rates | Hawaii 1 year ARM rates | Hawaii 3/1 ARM rates | Hawaii 5/1 ARM rates | Hawaii 7/1 ARM rates | Hawaii 30 year FHA mortgage rates | Hawaii 15 year FHA mortgage rates |

Idaho

Idaho 30 year fixed mortgage rates | Idaho 15 year fixed mortgage rates | Idaho 10 year fixed mortgage rates | Idaho 20 year fixed mortgage rates | Idaho 1 year ARM rates | Idaho 3/1 ARM rates | Idaho 5/1 ARM rates | Idaho 7/1 ARM rates | Idaho 30 year FHA mortgage rates | Idaho 15 year FHA mortgage rates |

Illinois

Illinois 30 year fixed mortgage rates | Illinois 15 year fixed mortgage rates | Illinois 10 year fixed mortgage rates | Illinois 20 year fixed mortgage rates | Illinois 1 year ARM rates | Illinois 3/1 ARM rates | Illinois 5/1 ARM rates | Illinois 7/1 ARM rates | Illinois 30 year FHA mortgage rates | Illinois 15 year FHA mortgage rates |

Indiana

Indiana 30 year fixed mortgage rates | Indiana 15 year fixed mortgage rates | Indiana 10 year fixed mortgage rates | Indiana 20 year fixed mortgage rates | Indiana 1 year ARM rates | Indiana 3/1 ARM rates | Indiana 5/1 ARM rates | Indiana 7/1 ARM rates | Indiana 30 year FHA mortgage rates | Indiana 15 year FHA mortgage rates |

Iowa

Iowa 30 year fixed mortgage rates | Iowa 15 year fixed mortgage rates | Iowa 10 year fixed mortgage rates | Iowa 20 year fixed mortgage rates | Iowa 1 year ARM rates | Iowa 3/1 ARM rates | Iowa 5/1 ARM rates | Iowa 7/1 ARM rates | Iowa 30 year FHA mortgage rates | Iowa 15 year FHA mortgage rates |

Kansas

Kansas 30 year fixed mortgage rates | Kansas 15 year fixed mortgage rates | Kansas 10 year fixed mortgage rates | Kansas 20 year fixed mortgage rates | Kansas 1 year ARM rates | Kansas 3/1 ARM rates | Kansas 5/1 ARM rates | Kansas 7/1 ARM rates | Kansas 30 year FHA mortgage rates | Kansas 15 year FHA mortgage rates |

Kentucky

Kentucky 30 year fixed mortgage rates | Kentucky 15 year fixed mortgage rates | Kentucky 10 year fixed mortgage rates | Kentucky 20 year fixed mortgage rates | Kentucky 1 year ARM rates | Kentucky 3/1 ARM rates | Kentucky 5/1 ARM rates | Kentucky 7/1 ARM rates | Kentucky 30 year FHA mortgage rates | Kentucky 15 year FHA mortgage rates |

Louisiana

Louisiana 30 year fixed mortgage rates | Louisiana 15 year fixed mortgage rates | Louisiana 10 year fixed mortgage rates | Louisiana 20 year fixed mortgage rates | Louisiana 1 year ARM rates | Louisiana 3/1 ARM rates | Louisiana 5/1 ARM rates | Louisiana 7/1 ARM rates | Louisiana 30 year FHA mortgage rates | Louisiana 15 year FHA mortgage rates |

Maine

Maine 30 year fixed mortgage rates | Maine 15 year fixed mortgage rates | Maine 10 year fixed mortgage rates | Maine 20 year fixed mortgage rates | Maine 1 year ARM rates | Maine 3/1 ARM rates | Maine 5/1 ARM rates | Maine 7/1 ARM rates | Maine 30 year FHA mortgage rates | Maine 15 year FHA mortgage rates |

Maryland

Maryland 30 year fixed mortgage rates | Maryland 15 year fixed mortgage rates | Maryland 10 year fixed mortgage rates | Maryland 20 year fixed mortgage rates | Maryland 1 year ARM rates | Maryland 3/1 ARM rates | Maryland 5/1 ARM rates | Maryland 7/1 ARM rates | Maryland 30 year FHA mortgage rates | Maryland 15 year FHA mortgage rates |

Massachusetts

Massachusetts 30 year fixed mortgage rates | Massachusetts 15 year fixed mortgage rates | Massachusetts 10 year fixed mortgage rates | Massachusetts 20 year fixed mortgage rates | Massachusetts 1 year ARM rates | Massachusetts 3/1 ARM rates | Massachusetts 5/1 ARM rates | Massachusetts 7/1 ARM rates | Massachusetts 30 year FHA mortgage rates | Massachusetts 15 year FHA mortgage rates |

Michigan

Michigan 30 year fixed mortgage rates | Michigan 15 year fixed mortgage rates | Michigan 10 year fixed mortgage rates | Michigan 20 year fixed mortgage rates | Michigan 1 year ARM rates | Michigan 3/1 ARM rates | Michigan 5/1 ARM rates | Michigan 7/1 ARM rates | Michigan 30 year FHA mortgage rates | Michigan 15 year FHA mortgage rates |

Minnesota

Minnesota 30 year fixed mortgage rates | Minnesota 15 year fixed mortgage rates | Minnesota 10 year fixed mortgage rates | Minnesota 20 year fixed mortgage rates | Minnesota 1 year ARM rates | Minnesota 3/1 ARM rates | Minnesota 5/1 ARM rates | Minnesota 7/1 ARM rates | Minnesota 30 year FHA mortgage rates | Minnesota 15 year FHA mortgage rates |

Mississippi

Mississippi 30 year fixed mortgage rates | Mississippi 15 year fixed mortgage rates | Mississippi 10 year fixed mortgage rates | Mississippi 20 year fixed mortgage rates | Mississippi 1 year ARM rates | Mississippi 3/1 ARM rates | Mississippi 5/1 ARM rates | Mississippi 7/1 ARM rates | Mississippi 30 year FHA mortgage rates | Mississippi 15 year FHA mortgage rates |

Missouri

Missouri 30 year fixed mortgage rates | Missouri 15 year fixed mortgage rates | Missouri 10 year fixed mortgage rates | Missouri 20 year fixed mortgage rates | Missouri 1 year ARM rates | Missouri 3/1 ARM rates | Missouri 5/1 ARM rates | Missouri 7/1 ARM rates | Missouri 30 year FHA mortgage rates | Missouri 15 year FHA mortgage rates |

Montana

Montana 30 year fixed mortgage rates | Montana 15 year fixed mortgage rates | Montana 10 year fixed mortgage rates | Montana 20 year fixed mortgage rates | Montana 1 year ARM rates | Montana 3/1 ARM rates | Montana 5/1 ARM rates | Montana 7/1 ARM rates | Montana 30 year FHA mortgage rates | Montana 15 year FHA mortgage rates |

Nebraska

Nebraska 30 year fixed mortgage rates | Nebraska 15 year fixed mortgage rates | Nebraska 10 year fixed mortgage rates | Nebraska 20 year fixed mortgage rates | Nebraska 1 year ARM rates | Nebraska 3/1 ARM rates | Nebraska 5/1 ARM rates | Nebraska 7/1 ARM rates | Nebraska 30 year FHA mortgage rates | Nebraska 15 year FHA mortgage rates |

Nevada

Nevada 30 year fixed mortgage rates | Nevada 15 year fixed mortgage rates | Nevada 10 year fixed mortgage rates | Nevada 20 year fixed mortgage rates | Nevada 1 year ARM rates | Nevada 3/1 ARM rates | Nevada 5/1 ARM rates | Nevada 7/1 ARM rates | Nevada 30 year FHA mortgage rates | Nevada 15 year FHA mortgage rates |

New Hampshire

New Hampshire 30 year fixed mortgage rates | New Hampshire 15 year fixed mortgage rates | New Hampshire 10 year fixed mortgage rates | New Hampshire 20 year fixed mortgage rates | New Hampshire 1 year ARM rates | New Hampshire 3/1 ARM rates | New Hampshire 5/1 ARM rates | New Hampshire 7/1 ARM rates | New Hampshire 30 year FHA mortgage rates | New Hampshire 15 year FHA mortgage rates |

New Jersey

New Jersey 30 year fixed mortgage rates | New Jersey 15 year fixed mortgage rates | New Jersey 10 year fixed mortgage rates | New Jersey 20 year fixed mortgage rates | New Jersey 1 year ARM rates | New Jersey 3/1 ARM rates | New Jersey 5/1 ARM rates | New Jersey 7/1 ARM rates | New Jersey 30 year FHA mortgage rates | New Jersey 15 year FHA mortgage rates |

New Mexico

New Mexico 30 year fixed mortgage rates | New Mexico 15 year fixed mortgage rates | New Mexico 10 year fixed mortgage rates | New Mexico 20 year fixed mortgage rates | New Mexico 1 year ARM rates | New Mexico 3/1 ARM rates | New Mexico 5/1 ARM rates | New Mexico 7/1 ARM rates | New Mexico 30 year FHA mortgage rates | New Mexico 15 year FHA mortgage rates |

New York

New York 30 year fixed mortgage rates | New York 15 year fixed mortgage rates | New York 10 year fixed mortgage rates | New York 20 year fixed mortgage rates | New York 1 year ARM rates | New York 3/1 ARM rates | New York 5/1 ARM rates | New York 7/1 ARM rates | New York 30 year FHA mortgage rates | New York 15 year FHA mortgage rates |

North Carolina

North Carolina 30 year fixed mortgage rates | North Carolina 15 year fixed mortgage rates | North Carolina 10 year fixed mortgage rates | North Carolina 20 year fixed mortgage rates | North Carolina 1 year ARM rates | North Carolina 3/1 ARM rates | North Carolina 5/1 ARM rates | North Carolina 7/1 ARM rates | North Carolina 30 year FHA mortgage rates | North Carolina 15 year FHA mortgage rates |

North Dakota

North Dakota 30 year fixed mortgage rates | North Dakota 15 year fixed mortgage rates | North Dakota 10 year fixed mortgage rates | North Dakota 20 year fixed mortgage rates | North Dakota 1 year ARM rates | North Dakota 3/1 ARM rates | North Dakota 5/1 ARM rates | North Dakota 7/1 ARM rates | North Dakota 30 year FHA mortgage rates | North Dakota 15 year FHA mortgage rates |

Ohio

Ohio 30 year fixed mortgage rates | Ohio 15 year fixed mortgage rates | Ohio 10 year fixed mortgage rates | Ohio 20 year fixed mortgage rates | Ohio 1 year ARM rates | Ohio 3/1 ARM rates | Ohio 5/1 ARM rates | Ohio 7/1 ARM rates | Ohio 30 year FHA mortgage rates | Ohio 15 year FHA mortgage rates |

Oklahoma

Oklahoma 30 year fixed mortgage rates | Oklahoma 15 year fixed mortgage rates | Oklahoma 10 year fixed mortgage rates | Oklahoma 20 year fixed mortgage rates | Oklahoma 1 year ARM rates | Oklahoma 3/1 ARM rates | Oklahoma 5/1 ARM rates | Oklahoma 7/1 ARM rates | Oklahoma 30 year FHA mortgage rates | Oklahoma 15 year FHA mortgage rates |

Oregon

Oregon 30 year fixed mortgage rates | Oregon 15 year fixed mortgage rates | Oregon 10 year fixed mortgage rates | Oregon 20 year fixed mortgage rates | Oregon 1 year ARM rates | Oregon 3/1 ARM rates | Oregon 5/1 ARM rates | Oregon 7/1 ARM rates | Oregon 30 year FHA mortgage rates | Oregon 15 year FHA mortgage rates |

Pennsylvania

Pennsylvania 30 year fixed mortgage rates | Pennsylvania 15 year fixed mortgage rates | Pennsylvania 10 year fixed mortgage rates | Pennsylvania 20 year fixed mortgage rates | Pennsylvania 1 year ARM rates | Pennsylvania 3/1 ARM rates | Pennsylvania 5/1 ARM rates | Pennsylvania 7/1 ARM rates | Pennsylvania 30 year FHA mortgage rates | Pennsylvania 15 year FHA mortgage rates |

Rhode Island

Rhode Island 30 year fixed mortgage rates | Rhode Island 15 year fixed mortgage rates | Rhode Island 10 year fixed mortgage rates | Rhode Island 20 year fixed mortgage rates | Rhode Island 1 year ARM rates | Rhode Island 3/1 ARM rates | Rhode Island 5/1 ARM rates | Rhode Island 7/1 ARM rates | Rhode Island 30 year FHA mortgage rates | Rhode Island 15 year FHA mortgage rates |

South Carolina

South Carolina 30 year fixed mortgage rates | South Carolina 15 year fixed mortgage rates | South Carolina 10 year fixed mortgage rates | South Carolina 20 year fixed mortgage rates | South Carolina 1 year ARM rates | South Carolina 3/1 ARM rates | South Carolina 5/1 ARM rates | South Carolina 7/1 ARM rates | South Carolina 30 year FHA mortgage rates | South Carolina 15 year FHA mortgage rates |

South Dakota

South Dakota 30 year fixed mortgage rates | South Dakota 15 year fixed mortgage rates | South Dakota 10 year fixed mortgage rates | South Dakota 20 year fixed mortgage rates | South Dakota 1 year ARM rates | South Dakota 3/1 ARM rates | South Dakota 5/1 ARM rates | South Dakota 7/1 ARM rates | South Dakota 30 year FHA mortgage rates | South Dakota 15 year FHA mortgage rates |

Tennessee

Tennessee 30 year fixed mortgage rates | Tennessee 15 year fixed mortgage rates | Tennessee 10 year fixed mortgage rates | Tennessee 20 year fixed mortgage rates | Tennessee 1 year ARM rates | Tennessee 3/1 ARM rates | Tennessee 5/1 ARM rates | Tennessee 7/1 ARM rates | Tennessee 30 year FHA mortgage rates | Tennessee 15 year FHA mortgage rates |

Texas

Texas 30 year fixed mortgage rates | Texas 15 year fixed mortgage rates | Texas 10 year fixed mortgage rates | Texas 20 year fixed mortgage rates | Texas 1 year ARM rates | Texas 3/1 ARM rates | Texas 5/1 ARM rates | Texas 7/1 ARM rates | Texas 30 year FHA mortgage rates | Texas 15 year FHA mortgage rates |

Utah

Utah 30 year fixed mortgage rates | Utah 15 year fixed mortgage rates | Utah 10 year fixed mortgage rates | Utah 20 year fixed mortgage rates | Utah 1 year ARM rates | Utah 3/1 ARM rates | Utah 5/1 ARM rates | Utah 7/1 ARM rates | Utah 30 year FHA mortgage rates | Utah 15 year FHA mortgage rates |

Vermont

Vermont 30 year fixed mortgage rates | Vermont 15 year fixed mortgage rates | Vermont 10 year fixed mortgage rates | Vermont 20 year fixed mortgage rates | Vermont 1 year ARM rates | Vermont 3/1 ARM rates | Vermont 5/1 ARM rates | Vermont 7/1 ARM rates | Vermont 30 year FHA mortgage rates | Vermont 15 year FHA mortgage rates |

Virginia

Virginia 30 year fixed mortgage rates | Virginia 15 year fixed mortgage rates | Virginia 10 year fixed mortgage rates | Virginia 20 year fixed mortgage rates | Virginia 1 year ARM rates | Virginia 3/1 ARM rates | Virginia 5/1 ARM rates | Virginia 7/1 ARM rates | Virginia 30 year FHA mortgage rates | Virginia 15 year FHA mortgage rates |

Washington

Washington 30 year fixed mortgage rates | Washington 15 year fixed mortgage rates | Washington 10 year fixed mortgage rates | Washington 20 year fixed mortgage rates | Washington 1 year ARM rates | Washington 3/1 ARM rates | Washington 5/1 ARM rates | Washington 7/1 ARM rates | Washington 30 year FHA mortgage rates | Washington 15 year FHA mortgage rates |

West Virginia

West Virginia 30 year fixed mortgage rates | West Virginia 15 year fixed mortgage rates | West Virginia 10 year fixed mortgage rates | West Virginia 20 year fixed mortgage rates | West Virginia 1 year ARM rates | West Virginia 3/1 ARM rates | West Virginia 5/1 ARM rates | West Virginia 7/1 ARM rates | West Virginia 30 year FHA mortgage rates | West Virginia 15 year FHA mortgage rates |

Wisconsin

Wisconsin 30 year fixed mortgage rates | Wisconsin 15 year fixed mortgage rates | Wisconsin 10 year fixed mortgage rates | Wisconsin 20 year fixed mortgage rates | Wisconsin 1 year ARM rates | Wisconsin 3/1 ARM rates | Wisconsin 5/1 ARM rates | Wisconsin 7/1 ARM rates | Wisconsin 30 year FHA mortgage rates | Wisconsin 15 year FHA mortgage rates |

Wyoming

Wyoming 30 year fixed mortgage rates | Wyoming 15 year fixed mortgage rates | Wyoming 10 year fixed mortgage rates | Wyoming 20 year fixed mortgage rates | Wyoming 1 year ARM rates | Wyoming 3/1 ARM rates | Wyoming 5/1 ARM rates | Wyoming 7/1 ARM rates | Wyoming 30 year FHA mortgage rates | Wyoming 15 year FHA mortgage rates |