The pre-qualification you just received from REFI.COM isn’t your ordinary first step. We’ve evaluated your credit, accounts and individual situation and you’ve been instantly matched with the top sources of funds listed below, ready to lend to you. You will be getting a call from one of our experienced licensed Loan Advisors to discuss these loan options and to see if there might be a way to lower your payment even more with different refinance loan options.

Click your preferred quote below to visit your secure, private loan hub now.

Interest rates are the most important factor in choosing a
refinance or debt consolidation loan.

Click on the links below to see current rates and fees.

Your Questions Answered

Why are interest rates important?

The importance of interest rates is sometimes a misunderstood concept. But when thinking about refinancing it’s the single most important factor in making a good decision for your finances and peace of mind.

Simply put, the interest rate is the percentage-based fee your lender charges to make the loan to you. Your payment is made up of both principal, or the amount you borrowed, plus the interest charged. The Annual Percentage Rate (APR) is also a percentage, but it also includes all the costs of financing, including any fees and charges that you have to pay to get the loan. The APR for a given loan is typically higher than the interest rate, but your monthly payments are based on the interest rate, not the APR.

Why do interest rates go up and down?

Interest rates move up and down depending on a number of factors including the strength of the economy, the lender’s costs, and your personal credit score. Base rates are established by the Federal Reserve bank in Washington D.C., which is constantly monitoring the growth of the economy. Individual lenders construct their interest rates based on the type of loan and other risk factors. While you can’t influence the base rate, you can definitely benefit by working to build and maintain a high credit score.

Even if you have less than perfect credit, there are loan types that can help you save money and get out of debt faster.

Mortgage Refinance Rates

Whether you want to take out cash, reduce your term, or simply lower your monthly mortgage payment by lowering your interest rate – we’ve got you covered.

Average Mortgage Refinance Rates (Rate / APR)

Credit Score 30 Year Fixed Rate 15 Year Fixed Rate 5/1 Adjustable Rate
Excellent (720-850) 2.50% / 2.648% 1.875% / 2.265% NA
Good (620-719) 3.375% / 3.562% 2.500% / 2.822% NA
Fair (580-619) 3.625% / 4.497% 3.750% / 4.963% NA
Needs Improvement (540-579) NA NA NA
Poor (300-539) NA NA NA

Home Equity Rates

A home equity loan lets you borrow a portion of your equity to pay off high-interest loans, start a home improvement project or fund an important purchase.

Average Home Equity Rates (APR)

Credit Score Fixed Rate HELOC
Excellent (720-850) 4.99% 4.99%
Good (620-719) NA NA
Fair (580-619) NA NA

Debt Consolidation

Sometimes consolidating high-interest loans into a single, lower interest rate loan makes the most sense. If you own your home, chances are you have built up equity which you can borrow against in a Cash-Out Mortgage Refinance solution.

But don't worry, there are debt consolidation options available even if you don't own your home. If you find yourself in this situation a personal loan might be your best option.

Go here to see the current interest rates for each type of loan.

Ready to take control of your financial future?

Still have questions about what loan option is right for you?

Get your questions answered and prequalify three simple ways:

  • Online

  • Over the phone with Ellie, our automated digital attendant

  • Or speak with one of our highly trained specialists

Answer 7 simple questions and we’ll quickly assess your situation and search for the best home equity loan options. In as little as 2-minutes we’ll match you with a lender willing to lend to you today.

No complicated forms. No credit check. No Social Security number required.

Click or Call: 800-999-REFI (7334).