Current Mortgage Refinance Rates October 2026 | As Low As 5.625%
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Mortgage refinance rates range from 4.29% (VA) to 7.12% (FHA), verified by MonitorBankRates as of October 30, 2026. Current mortgage refinance rates include Sharon And Crescent United Credit Union (On The House Refinance - 5/5 ARM) at 5.50%, Whatcom Educational Credit Union (Home Refinance - 7-Year Jumbo ARM) at 5.75%, TruStone Financial Credit Union (5/6 ARM Refinance) at 5.875%, First Community Credit Union Houston, TX (Refinance - 15 Year Fixed) at 6.00%, and Patelco Credit Union (Refinance Adjustable Rate Loan - 7/1 30-Year Adjustable Jumbo) at 6.00%. Refinance rates as of October 30, 2026 according to verified data from MonitorBankRates.
We compared 8,134 mortgage and refinance rates from 1,260 banks and credit unions across all 50 states to help you find the best 30-year fixed, 15-year fixed, ARM, FHA, VA, jumbo and cash-out refinance rates.
42 lenders in our database publish products labeled for refinancing; those lead the Refinance Products tab below. Most banks and credit unions quote one rate for purchase and refinance loans, and at lenders that price the two separately, refinance rates currently run about 0.189 points above the purchase rate. Pick your state for local lenders listed first, a 90-day trend chart, HMDA data on what homeowners actually paid to refinance, and a break-even calculator. Every lender carries our A-F Safety Grade, Star Rating, and Texas Ratio so you can refinance with a stable institution.
Refinance rates reflect actual verified offers posted by lenders. Your final approved rate will depend on your credit profile, loan-to-value ratio, cash-out amount, and daily market movements. Last Updated and Verified: October 30, 2026
Compare Mortgage Refinance Rates Today
The Refinance Products tab lists products lenders label for refinancing. The remaining tabs show each lender’s posted rate by loan type, which most lenders apply to purchase and refinance loans alike. Use the state filter for a quick look, or open your state page for local lenders, trends, and the break-even calculator.
Lender-Labeled Refinance Rates
Refinance only; first lien; no origination fees or points
Example Loan: $900,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780
Refinance; Effective October 29, 2026; Adjustable-rate mortgage, 5-year initial fixed period, then adjusts every six months based on 30-day SOFR plus margin; APR includes approximately one discount point and closing costs
- Oct 30, 20266.51%▲ from 6.47%
- Oct 26, 20266.47%▼ from 6.54%
- Oct 19, 20266.54%first recorded
Refinance only; first lien; no origination fees or points
Monthly Principal & Interest: $2,532.00
- Oct 29, 20266.24%▼ from 6.34%
- Oct 26, 20266.34%first recorded
Amount: $832,751 to $2,500,000; California properties only
Amount: $832,751 to $2,500,000; California properties only
No additional details available.
- Oct 30, 20265.88%▼ from 6.00%
- Oct 14, 20266.00%first recorded
No additional details available.
- Oct 30, 20265.88%▼ from 6.00%
- Oct 19, 20266.00%first recorded
Mortgage refinance; Payment Examples available
Amount: $832,751 to $2,500,000; California properties only
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
Fixed Rate; Term column printed as 180
APR based on creditworthiness
Refinance; Effective October 29, 2026; APR includes approximately one discount point and closing costs
- Oct 30, 20266.49%▼ from 6.72%
- Oct 10, 20266.72%▼ from 6.75%
- Oct 2, 20266.75%▲ from 6.73%
- Sep 27, 20266.73%▲ from 6.35%
Fixed Rate Refinance; Rates effective as of October 29, 2026
Amount: $50,000 to $832,750; California properties only
No additional details available.
- Oct 19, 20266.51%▼ from 6.63%
- Oct 14, 20266.63%▼ from 6.76%
- Oct 10, 20266.76%▼ from 7.01%
- Oct 2, 20267.01%▲ from 6.88%
Mortgage no cash-out refinance; 1-month payment $3,565.03
- Oct 29, 20266.53%▼ from 6.68%
- Oct 19, 20266.68%▼ from 6.82%
- Oct 13, 20266.82%first recorded
Fixed Rate Refinance; Rates effective as of October 29, 2026
Amount: $832,751 to $2,500,000; California properties only
Amount: $50,000 to $832,750; California properties only
Refinance; 5-Year SOFR ARM, initial rate fixed for first 60 months then adjusts every six months; indexed to 30-day SOFR with 2.750% margin; assumed loan amount $900,000, property value $1,200,000, Sacramento CA, primary residence, 740 credit score, 45-day rate lock
- Oct 26, 20266.54%▼ from 6.64%
- Oct 13, 20266.64%first recorded
APR based on creditworthiness
No additional details available.
- Oct 29, 20266.67%▼ from 7.58%
- Sep 29, 20267.58%▲ from 7.20%
- Sep 18, 20267.20%▲ from 6.95%
- Sep 14, 20266.95%first recorded
No additional details available.
- Oct 26, 20266.70%▼ from 6.96%
- Oct 14, 20266.96%▼ from 7.08%
- Sep 27, 20267.08%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.32%
No additional details available.
- Oct 29, 20266.72%▼ from 7.24%
- Oct 9, 20267.24%▲ from 7.11%
- Sep 29, 20267.11%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.49%
Jumbo; Origination Fee or Lender Credit: 0.000%
- Oct 23, 20266.52%▼ from 6.77%
- Oct 12, 20266.77%▲ from 6.65%
- Oct 8, 20266.65%first recorded
Origination Fee or Lender Credit: 0.000%
- Oct 23, 20266.58%▼ from 6.83%
- Oct 12, 20266.83%▲ from 6.70%
- Oct 8, 20266.70%first recorded
Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.63%▼ from 6.75%
- Oct 19, 20266.75%▼ from 6.88%
- Oct 9, 20266.88%▼ from 7.00%
- Oct 2, 20267.00%▲ from 6.88%
No additional details available.
Amount: $50,000 to $832,750
- Oct 30, 20266.64%▼ from 6.76%
- Oct 26, 20266.76%▼ from 6.89%
- Oct 14, 20266.89%first recorded
Fixed Rate Refinance; Rates effective as of October 29, 2026
Refinance rates current as of October 29, 2026
Example Loan: $300,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780
Rates Effective Date: 09/21/2026; Rates based on loan amount $200,000.00; Minimum 5% down payment (3% for first-time home buyers)
Amount: $50,000 to $832,750; California properties only
As Low As; Interest rate as low as 6.500%; APR based on estimated loan amount of $175,000
- Oct 9, 20266.71%▲ from 6.58%
- Sep 18, 20266.58%first recorded
Fixed Rate Mortgage; 180 monthly payments; P&I per $1,000 Borrowed $8.72; Autopay rate (non-autopay rates are .25% higher)
No additional details available.
- Oct 30, 20266.64%▼ from 6.90%
- Oct 1, 20266.90%first recorded
No additional details available.
- Oct 30, 20266.69%▼ from 6.82%
- Oct 1, 20266.82%first recorded
Amount: $832,751 to $2,500,000; California properties only
Refinance only; par option (0.000 points) shown; other options: 6.250% at 7.10% APR with 1.000 points, 6.750% at 7.44% APR with -1.000 points; loan amounts $50,000 - $1,249,125; estimated payment per $1,000 $8.93 (payment column ignored)
No additional details available.
- Oct 23, 20267.10%▲ from 6.72%
- Sep 21, 20266.72%first recorded
No additional details available.
- Oct 30, 20266.98%▼ from 7.10%
- Oct 26, 20267.10%▼ from 7.23%
- Oct 14, 20267.23%▼ from 7.36%
- Oct 2, 20267.36%▲ from 7.23%
No additional details available.
- Oct 30, 20266.66%▼ from 6.91%
- Sep 27, 20266.91%▲ from 6.54%
- Sep 22, 20266.54%first recorded
No additional details available.
- Oct 30, 20266.68%▼ from 6.81%
- Oct 26, 20266.81%▼ from 6.93%
- Oct 10, 20266.93%▼ from 7.18%
- Oct 1, 20267.18%▲ from 7.06%
Maximum loan: $832,750.00; Rates effective 10/19/2026; based on 80% LTV; one to four family owner occupied homes; upon qualification
- Oct 23, 20266.76%▼ from 7.88%
- Oct 14, 20267.88%▲ from 7.01%
- Oct 8, 20267.01%first recorded
Example Loan: $900,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780
Fixed 180 Months
- Oct 26, 20266.79%▼ from 7.42%
- Oct 19, 20267.42%first recorded
No additional details available.
- Oct 29, 20266.82%▼ from 6.97%
- Oct 13, 20266.97%▼ from 7.08%
- Oct 9, 20267.08%▼ from 7.18%
- Sep 29, 20267.18%▲ from 7.02%
Jumbo; Adjustable-rate mortgage; Origination Fee or Lender Credit: 0.000%
Initial rate fixed for first 120 months, then adjusts every six months; indexed to 30-day Average SOFR with 2.750% margin; APR subject to increase after consummation; rate lock 45 days; assumed loan amount $900,000, property value $1,200,000, assumed credit score 740
loan amount $940,000 and at least 25% equity; 30-year term; ARM rates may adjust after the initial fixed-rate period
Rate as low as 6.625%, APR as low as 6.837%; Loan Amount Example: $300,000.00
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
As Low As; Home Loan Rates
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
Monthly Principal & Interest: $1,955.00; Origination fees may apply
- Oct 29, 20267.52%▼ from 7.61%
- Oct 26, 20267.61%first recorded
Rate as low as 6.625%, APR as low as 6.837%; Loan Amount Example: $300,000.00
- Oct 10, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As; Home Loan Rates
- Oct 2, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
Refinance loan for current homeowners
Rates and APRs include a .25% discount for automatic debit from an MCB deposit account
$100,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.91%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
Today's lowest 30-year fixed rate; Refinance Rates
Refinance rates current as of October 29, 2026
No additional details available.
- Oct 30, 20266.78%▼ from 7.03%
- Sep 27, 20267.03%▲ from 6.63%
- Sep 22, 20266.63%first recorded
Refinance; Indiana properties; credit score 780+; 75% LTV
- Oct 23, 20266.82%▼ from 7.19%
- Oct 15, 20267.19%▲ from 6.94%
- Oct 13, 20266.94%first recorded
Rates effective as of 09/25/2026; Payment example: $1,327.36 (excludes taxes and insurance); Rate/term refinance, minimum credit score 760, 75% LTV
20% Down Payment; Refinance Mortgage
No additional details available.
- Oct 29, 20266.89%▼ from 6.97%
- Oct 13, 20266.97%▼ from 7.08%
- Oct 9, 20267.08%▼ from 7.18%
- Sep 29, 20267.18%▲ from 7.02%
Refinance: Rate-and-Term Refi Rates; Interest Rates Effective: 10/22/2026; Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780; Example loan amount $450,000.00, example
- Oct 26, 20266.90%▼ from 7.02%
- Sep 27, 20267.02%first recorded
30% Down Payment; Refinance Mortgage Rates
- Oct 26, 20266.90%▼ from 7.01%
- Oct 22, 20267.01%first recorded
No additional details available.
- Oct 26, 20266.90%▼ from 7.03%
- Oct 22, 20267.03%first recorded
loan amount $940,000 and at least 25% equity; 30-year term; ARM rates may adjust after the initial fixed-rate period
Refinance loan for current homeowners; requires mortgage insurance; FHA guaranteed
No additional details available.
Rates listed are for primary residence in single family home with 0% equity and borrower credit score of 780; Interest Rates Effective: 10/22/2026; Ex. Loan Amount $500,000.00; Ex.
- Oct 26, 20266.99%▼ from 7.10%
- Oct 20, 20267.10%first recorded
Monthly Principal & Interest: $1,971.00
- Oct 29, 20267.00%▼ from 7.14%
- Oct 26, 20267.14%first recorded
Fixed 360 Months
- Oct 26, 20267.00%▼ from 7.25%
- Oct 19, 20267.25%first recorded
Refinance; Effective October 29, 2026; APR includes approximately one discount point and closing costs
- Oct 30, 20267.01%▼ from 7.28%
- Oct 10, 20267.28%▼ from 7.37%
- Oct 2, 20267.37%▲ from 7.14%
- Sep 27, 20267.14%▲ from 6.88%
Refinance rates current as of October 29, 2026
Fixed Rate Refinance; Rates effective as of October 29, 2026
VA Home Loan: Cash-out Refi; Rates listed are for primary residence in single family home with 10% equity and borrower credit score of 780; Example loan amount $459,675.00; Example
- Oct 26, 20267.15%▲ from 6.75%
- Sep 15, 20266.75%first recorded
No additional details available.
- Oct 30, 20266.52%▲ from 6.32%
- Oct 19, 20266.32%first recorded
Refinance only; first lien; no origination fees or points
As Low As; Purchases and First Mortgage Refinances; Rate as low as
- Oct 8, 20266.88%▲ from 6.63%
- Sep 25, 20266.63%▲ from 6.50%
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
Fixed 360 Months
As Low As; Purchases and First Mortgage Refinances; Rate as low as
- Oct 8, 20266.88%▲ from 6.63%
- Sep 25, 20266.63%▲ from 6.50%
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
As Low As; Refinance
$200,000; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20266.97%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
APR based on creditworthiness
Cash-out refinance; LTV 80% (20% down payment); Loan amount $150,000; Credit score 740 or higher; 60-day lock
Rate/term refinance; Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $150,000; Owner occupied/single family home; No secondary financing; Escrow for taxes and insurance; 60-day lock; Finance charges include $1150 origination fee, $10.95 flood certification fee and $94 tax service fee
$832,750; Rate/term refinance; APR based on $150,000 loan amount; minimum credit score 760; 75% LTV; 30-day rate lock
- Oct 29, 20267.05%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.35%
- Oct 2, 20267.35%▲ from 7.33%
- Oct 1, 20267.33%first recorded
No additional details available.
Mortgage no cash-out refinance; 1-month payment $2,744.37
- Oct 29, 20267.11%▼ from 7.23%
- Oct 19, 20267.23%▼ from 7.35%
- Oct 13, 20267.35%first recorded
Fixed Rate Refinance; Rates effective as of October 29, 2026
As Low As; Jumbo; Estimated Payment: $5,541.97 per month for 30 years
Refinance; advertised rates effective as of 10/26/2026
- Oct 26, 20267.01%▼ from 7.14%
- Oct 20, 20267.14%first recorded
Autopay rate; non-autopay rates are .25% higher; rates based on 20% down payment; Payment Schedule: 240 monthly payments
Monthly Principal & Interest: $6,654.00; Jumbo loans greater than $832,750; 20% down payment required; up to 80% LTV
- Oct 29, 20267.07%▼ from 7.21%
- Oct 26, 20267.21%first recorded
Mortgage no cash-out refinance; 1-month payment $5,540.31
- Oct 29, 20267.10%▼ from 7.23%
- Oct 19, 20267.23%▼ from 7.35%
- Oct 13, 20267.35%first recorded
Amount: $832,751 to $2,500,000
loan amount $940,000 and at least 25% equity; 30-year term; ARM rates may adjust after the initial fixed-rate period
Mortgage no cash-out refinance; 1-month payment $5,540.31
- Oct 29, 20267.54%▼ from 7.59%
- Oct 19, 20267.59%▼ from 7.65%
- Oct 13, 20267.65%first recorded
No additional details available.
- Oct 29, 20267.23%▼ from 7.62%
- Oct 9, 20267.62%▼ from 7.74%
- Oct 5, 20267.74%▲ from 7.11%
- Sep 17, 20267.11%first recorded
As Low As; Government Fixed Rate (As low as Rates)
- Oct 19, 20267.28%▼ from 8.03%
- Oct 13, 20268.03%first recorded
No additional details available.
- Oct 19, 20267.16%▼ from 7.29%
- Oct 14, 20267.29%▼ from 7.41%
- Oct 10, 20267.41%▼ from 7.66%
- Oct 2, 20267.66%▲ from 7.54%
Amount: $50,000 to $832,750
- Oct 26, 20267.22%▼ from 7.34%
- Oct 14, 20267.34%first recorded
30% Down Payment; Refinance Mortgage Rates
- Oct 26, 20267.22%▼ from 7.35%
- Oct 22, 20267.35%first recorded
loan amount $940,000 and at least 25% equity
Refinance; advertised rates effective as of 10/26/2026
- Oct 26, 20269.42%▼ from 9.57%
- Oct 20, 20269.57%first recorded
No additional details available.
- Oct 26, 20267.23%▼ from 7.48%
- Sep 29, 20267.48%▲ from 7.23%
- Sep 26, 20267.23%▲ from 6.85%
- Sep 14, 20266.85%first recorded
As Low As; Government Fixed Rate (As low as Rates)
- Oct 19, 20267.38%▼ from 8.03%
- Oct 13, 20268.03%first recorded
Refinance loan for current homeowners
Refinance Rates Jumbo Loans 30-Year Fixed
Conforming and Jumbo; Purchase and Refinance; 360 monthly payments; P&I per $1,000 Borrowed: $6.83; Freedom 30 one-time opportunity to lower rate, hassle-free
No additional details available.
- Oct 30, 20267.30%▼ from 7.55%
- Sep 27, 20267.55%▲ from 7.30%
- Sep 22, 20267.30%first recorded
Example Loan: $900,000; Effective: 10/29/2026; Owner occupied single-family refinance of existing balance, 75% LTV, credit score 780
Jumbo: Cash-out Refi Rates; Example loan amount $910,000.00 includes $250,000 cash out; Rates for primary residence with 35% equity and credit score of 780
- Oct 26, 20267.37%▼ from 7.62%
- Oct 1, 20267.62%first recorded
loan amount $940,000 and at least 25% equity
Effective Date: 10/23/2026; Mortgage rates change daily
Effective Date: 10/23/2026; Mortgage rates change daily
Refinance only; par option (0.000 points) shown; other options: 7.000% at 7.84% APR with 1.000 points, 7.500% at 8.24% APR with -1.000 points; loan amounts $50,000 - $1,249,125; estimated payment per $1,000 $7.20 (payment column ignored)
- Oct 23, 20267.98%▼ from 8.11%
- Oct 15, 20268.11%first recorded
loan amount $270,019 and at least 3.5% equity; FICO 680+
Fixed 180 Months
Effective Date: 10/23/2026; Mortgage rates change daily
Effective Date: 10/23/2026; Mortgage rates change daily
Refinance; advertised rates effective as of 10/26/2026
- Oct 26, 20267.54%▼ from 7.67%
- Oct 20, 20267.67%▲ from 7.04%
- Sep 15, 20267.04%first recorded
Jumbo: Cash-out Refi Rates; Example loan amount $910,000.00 includes $250,000 cash out; Rates for primary residence with 35% equity and credit score of 780
Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780; Interest Rates Effective: 10/22/2026
- Oct 26, 20267.47%▼ from 7.58%
- Oct 14, 20267.58%first recorded
Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780; Interest Rates Effective: 10/22/2026
loan amount $940,000 and at least 25% equity
Rate as low as 7.375%, APR as low as 7.410%; Loan Amount Example: $300,000.00
- Oct 2, 20267.41%▲ from 7.31%
- Sep 14, 20267.31%first recorded
As Low As; Home Loan Rates
- Oct 2, 20267.41%▲ from 7.31%
- Sep 14, 20267.31%first recorded
Rate as low as 7.375%, APR as low as 7.416%; Loan Amount Example: $300,000.00
- Oct 2, 20267.42%▲ from 7.32%
- Sep 14, 20267.32%first recorded
Rate as low as 7.375%, APR as low as 7.410%; Loan Amount Example: $300,000.00
- Oct 10, 20267.41%▲ from 6.69%
- Sep 14, 20266.69%first recorded
As Low As; Home Loan Rates
- Oct 2, 20267.41%▲ from 6.69%
- Sep 14, 20266.69%first recorded
Rate as low as 7.375%, APR as low as 7.416%; Loan Amount Example: $300,000.00
- Oct 10, 20267.42%▲ from 6.80%
- Sep 14, 20266.80%first recorded
As Low As; Refinance
As Low As; Refinance
30 Year Fixed Refinance Rates
No additional details available.
- Oct 19, 20266.51%▼ from 6.63%
- Oct 14, 20266.63%▼ from 6.76%
- Oct 10, 20266.76%▼ from 7.01%
- Oct 2, 20267.01%▲ from 6.88%
Effective as of: October 1, 2022
As Low As; Competitive 30-Year Fixed Mortgage Rates starting at 5.625%
Minimum credit score 680; APR based on $550,000 purchase loan with minimum credit score 680 and maximum LTV 97%; first-time homebuyer program with minimum down payment 3%; income no greater than 120% of AMI; DTI no greater than 40%; Essex County condos or single-family primary residences only
30-year fixed rate; Income-based option. Homebuyers may qualify through either the income-based or location-based option; benefits cannot be combined. Example rates as of 10/5/26.
Homepage featured card; 30 Year Fixed; rate 5.75% / APR 5.848%
Fixed; APR based on $100,000 loan amount
No additional details available.
As Low As; 30-year fixed-rate, first-lien mortgage, 80% loan-to-value; minimum 720 credit score; primary residence; applications received October 1-31, 2026 and closed within 90 days; membership eligibility required; subject to credit approval and rate-lock procedures
As Low As; Second Home Mortgage
As Low As; Featured rate on homepage
- Sep 18, 20266.00%▼ from 8.00%
- Sep 14, 20268.00%first recorded
No additional details available.
As Low As; 30-year fixed rates starting at 6.054% APR; Offered through Member First Mortgage, LLC (MFM)
Welcome Home loans are only available for first-time homebuyers; subject property must be an owner-occupied single-family, two-family, or condominium in Chicopee, Holyoke, or Springfield, MA; Lender credit toward closing costs; processing fee waived; PMI waived; discounted interest rate; up to 100% financing; Welcome Home loan APRs assume a $100,000 mortgage; Homeowner's and Flood Insurance (if applicable) required
- Sep 27, 20266.06%▲ from 5.68%
- Sep 15, 20265.68%first recorded
Minimum Down Payment: 5%; Estimated Payment Per $1,000: $6.00; APR based on $180,000 loan with 20% equity; owner occupied 1-4 family, purchase or refinance; Rates Effective 9/17/26
Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock
Rate Lock Days: 120; Discount: Reduce Interest Rate by 0.500% for properties purchased in 50% Majority-Minority, Low Income, or Moderate Income Census Tracts and Affordable Units purchased through an approved Affordable Housing agency; Rate quoted with $2,500.00 closing cost credit per footnote
Loan Term: 30-Year Fixed; Monthly payment (P&I) $1,199.10 on $200,000 loan; taxes and insurance not included; borrower must maintain share account of at least 1% of financed amount
APR as low as 6.193% as of 9/17/2026, based on a $50,000 purchase loan with minimum credit score of 750; Rate effective as of 9/22/2026
Up to 89% financing with no mortgage insurance required.
10 year call
As Low As; Real Estate Loan Rates; Effective 10/1/2026
- Oct 10, 20266.24%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20266.25%▲ from 5.90%
- Sep 14, 20265.90%first recorded
Call Shannon at 816-324-1414 or Jessica at 816-279-5656 to help with your mortgage loan.
Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply
Purchase of Primary Residence Only; Single Family Dwelling; Maximum Loan to Value 97%; Income Limits Apply; Funds limited to purchases in Montgomery, Berks, Bucks, Delaware and Chester Counties; Rate Lock: 60 days
Mortgage loan; APR shown is the lowest available rate; rates depend on individual creditworthiness
Current home lending rates; APR as low as; Rates and Terms are subject to credit approval.
As Low As; APR as low as 6.280%; Rates and terms are subject to credit approval
Portfolio; Jumbo; P&I per $100,000: $615.72
- Oct 19, 20266.28%▲ from 5.78%
- Sep 29, 20265.78%first recorded
Current long-term mortgage rate for purchases/refinances; buy or refinance
Conventional Loans; Rates information accurate as of August 20, 2026
No additional details available.
- Oct 26, 20266.39%▼ from 6.89%
- Oct 22, 20266.89%first recorded
Portfolio; P&I per $100,000: $615.72
- Oct 19, 20266.41%▲ from 5.90%
- Sep 29, 20265.90%first recorded
Up to 80% Loan to Value; 30 Year Fixed (or 360 monthly payments)
Fixed Rate; First-Time Homebuyer Mortgage Program; rates as of 10-21-2026
As Low As; Rate shown as 'As low as 6.25%', APR shown as 'As low as 6.448%'
As Low As; Refinance Your Home; APR only shown
As Low As; Quoted rates are for LTV at 80% or less; Subject to $10 membership fee if not already a member
- Oct 26, 20266.46%▼ from 6.96%
- Oct 22, 20266.96%first recorded
No additional details available.
Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $150,000; Purchase; Owner occupied/single family home; No secondary financing; Escrow for taxes and insurance; 60-day lock
Interest rate not shown; rates are Partners' best fixed rates on approved credit; actual rate may be higher depending on credit and underwriting
Purchase loan; $200,000 loan amount; Winston-Salem, NC; 30-day rate lock; 780 credit score assumed
Rates effective 10/01/26
Listed as 6.50% - 0 Points; all quoted loan rates are APR
APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20266.50%▲ from 6.35%
- Sep 14, 20266.35%first recorded
No additional details available.
Purchase or Refinance; Balance: 50K or more, up to 60% LTV, 740+ Credit Score; Rates include a discount of .25% APR for Auto Pay from an HRCCU Account
LTV: 90%; Tier: A+; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages
As Low As; Effective Thursday, October 29th, 2026
As Low As; APR as low as; mortgage rates excluded from APR note on page; call for APR
- Oct 30, 20266.51%▲ from 6.38%
- Oct 26, 20266.38%▼ from 6.63%
- Oct 14, 20266.63%first recorded
Effective date 10/26/2026; Jumbo fixed rate; assumes loan amount of $832,751 or greater
VA Loans; Rate information is accurate as of October 9, 2026
Term: 30 Year Fixed (or 360 monthly payments); Up to 80% Loan to Value (up to 97% with PMI); APR based on $100,000.00 loan amount; $100,000 loan payment $622.24; Rates effective as of 9/22/2026
Estimated Closing Costs: $6,005.00; APR assumes $175,000 purchase loan, 80% LTV, FICO 730+, zero point options; loan amounts under $100,000 may carry a higher APR
Based on 20% downpayment and/or 80% LTV; owner occupied single family only; minimum loan amount $100,000; First Time Buyers receive $300 off closing costs
Loan amount $400,000; property value $500,000; MA, Middlesex County; primary residence; escrow required; 60-day rate lock; assumed credit score 720
- Oct 21, 20266.54%▲ from 6.29%
- Oct 3, 20266.29%first recorded
Fixed Rate; $250,000 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
Fully Indexed Rate: N/A; 3% down payment on owner occupied 1-unit homes, 5% on 2-unit; Condominiums 80% max LTV; PMI required if down payment less than 20%
- Oct 7, 20266.56%▲ from 6.06%
- Sep 15, 20266.06%first recorded
First-Time Homebuyer Program; APR based on $225,000.00 loan amount, 20% equity, owner-occupied 1-4 family homes
15 Year Fixed Refinance Rates
Effective Date: August 28, 2025; Rates are based on Beacon score of 730 or higher
No additional details available.
As Low As; Owner Occupied
As Low As; Max LTV: Up to 95%
Current long-term mortgage rate for purchases/refinances; buy or refinance
Payment per $10,000: $82; 1% origination loan fee applies on Conventional 15 year loans (footnote *)
Rate shown with asterisk on homepage; view rates page for full disclosure details
Fixed; APR based on $100,000 loan amount
As Low As; 1st mortgage
Origination processing fee: $695.00; APR based on $250,000 loan, 80% LTV, FICO 730+, 60-day rate lock
From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026
No additional details available.
- Oct 26, 20265.65%▼ from 6.15%
- Oct 22, 20266.15%first recorded
Amortization: 15 years; EFF APR calculated using $150,000 mortgage borrowed
- Oct 1, 20265.66%▲ from 5.40%
- Sep 16, 20265.40%first recorded
From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026
As Low As; Mortgage rates effective as of 9/30/2026
Purchase loan; $200,000 loan amount; Winston-Salem, NC; 30-day rate lock; 780 credit score assumed
Fixed Rate; $250,000 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026
Mortgage loan; APR shown is the lowest available rate; rates depend on individual creditworthiness
As Low As; APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20265.75%▲ from 5.40%
- Sep 14, 20265.40%first recorded
Origination Fee: 1.00%
Fixed
Purchase or Refinance; Balance: 50K or more, up to 60% LTV, 740+ Credit Score; Rates include a discount of .25% APR for Auto Pay from an HRCCU Account
Call Shannon at 816-324-1414 or Jessica at 816-279-5656 to help with your mortgage loan.
First Mortgage - Primary Residence Only
As Low As; Refinance Your Home; APR only shown
As Low As; Quoted rates are for LTV at 80% or less; Subject to $10 membership fee if not already a member
- Oct 26, 20265.76%▼ from 6.27%
- Oct 22, 20266.27%first recorded
Loan to Value: 80%; Origination: .50%; Based on $175,000 loan amount, purchase transaction
Current home lending rates; APR as low as; Rates and Terms are subject to credit approval.
As Low As; APR as low as 5.852%; Rates and terms are subject to credit approval
Up to 80% Loan to Value; 15 Year Fixed (or 180 monthly payments)
Payment Example: $1,634.17 per $200,000.00 loan; excellent credit, loan-to-value up to 80%; taxes and insurance not included
As Low As; Up to 1.0 points**; Members without permanent resident status may be charged up to 1.0 origination points and 0.750% added to the loan rate
Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026
Terms and Conditions
Loan Amount: $165,000; Payment: $1,359.16; Discount Points AMT: $1,414.75; Lock Period: 45 days; Origination Fee: .00%
Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026
Estimated Closing Costs: $5,960.00; APR assumes $175,000 purchase loan, 80% LTV, FICO 730+, zero point options; loan amounts under $100,000 may carry a higher APR
As Low As; Rates effective 10/28/2026; limited-time discount of 1.50 discount points; Hawaii residents and Hawaii properties
- Oct 28, 20265.94%▼ from 6.28%
- Oct 8, 20266.28%▼ from 6.36%
- Oct 4, 20266.36%▲ from 6.36%
- Sep 16, 20266.36%first recorded
Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026
As Low As; 70% LTV
- Oct 26, 20265.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Listed as 6.00% - 0 Points; all quoted loan rates are APR
Mortgage effective as of Oct 28, 2026; APR = Annual Percentage Rate
- Oct 29, 20266.00%▼ from 6.38%
- Oct 15, 20266.38%▲ from 6.25%
- Oct 8, 20266.25%first recorded
Effective as of Oct 28, 2026; Mortgage rates fluctuate with the market. Rates may differ at the time of application.
APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20266.00%▲ from 5.85%
- Sep 14, 20265.85%first recorded
As Low As; Effective Thursday, October 29th, 2026
As Low As; 15 year fixed rate
LTV: 90%; Tier: A+; $400 non-refundable application fee; 31 day rate lock; minimum loan $10,000; no annual fees; $1,000 closing cost credit allowance for new mortgages
Loan Amounts: Up To $250,000; Special homeowner loan, borrowers must meet income eligibility; no fees; Owner occupied 1-4 family in Mercer, Bergen, Passaic, Hudson, Middlesex, Essex, Morris, Union or Somerset county NJ; Contact Us to apply
As Low As; Effective Thursday, October 29th, 2026
Mortgage/Land Loan; All rates quoted with zero points; APR assumes $100,000 loan amount and monthly repayment
- Oct 2, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Second Home Mortgage
As Low As; Rate shown as 'As low as 6.000%', APR shown as 'As low as 6.010%'
Rates effective 10/01/26
Loan to Value: 80%
APR - Fixed Rate as low as
Term: 15 Year Fixed (or 180 monthly payments); Up to 80% Loan to Value (up to 97% with PMI); APR based on $100,000.00 loan amount; $100,000 loan payment $830.41; Rates effective as of 9/22/2026
Residential Mortgage; Based on a $500,000 loan on a primary or second home in 1st lien position, with an 80% LTV
- Sep 24, 20266.06%▲ from 5.68%
- Sep 16, 20265.68%first recorded
Mortgage Purchase Rates; Rate option with 1.00 points
Fixed rate mortgage; minimum loan $40,000.00; minimum down payment 5% (own funds)
5/1 ARM Refinance Rates
Commercial business loan; rates subject to credit and collateral approval; origination fee 1.00% of loan amount
As Low As; Adjustable Rate Mortgage 5/1; Rates subject to increase or decrease after Initial Fixed Period; Loans over $832,750 may be subject to different rates
Initial APR; footnote: APR assumes 30-year term, 2/6 caps, $300,000 loan, 80% LTV, 1% origination fee
Base Rate 5.000%; Initial APR 5.114%; 30-year term, 2% annual / 6% lifetime caps
- Oct 23, 20265.11%▲ from 4.61%
- Oct 13, 20264.61%first recorded
Rate fixed for 60 months; annual adjustment cap 2% after 60 months; maximum adjustment for life of loan 4.0%; effective January 15, 2026; rates may vary based on credit score and/or term
Index: WSP + 0%
Rates effective 10/01/26
As Low As; Interest Rate (As Low As) 5.49%; APR* 5.55%; Initial rate in effect for first 60 months, then APR adjusts annually; Maximum term 300 months; Owner occupied properties only; APR based on $50,000 loan at 70% LTV with $650.00 processing fee (Preferred Relationship discount)
Loan to Value: 80%; Origination: 0%; Based on $175,000 loan amount, purchase transaction
Quoted rates assume purchase money mortgage, single-family, owner-occupied dwelling, $150,000 loan amount, $200,000 purchase price, 30-day lock, minimum credit score 740
Rates effective June 3, 2026; Annual Cap: 2.00%; Lifetime Cap: 5.00%; Minimum Loan Amount is $20,000; Maximum Refinance Loan to Value is 90%; Maximum Purchase Money 95% LTV; APR based on 30-day average SOFR index; APR calculated on a $100,000 loan; based on A+ credit rating
30-Year Jumbo Refinance Rates
As Low As; Jumbo Mortgages (Greater than $832,750)
Payment: $3,639.81; 1st Adj Rate: N/A; 1st Adj Payment: N/A; Effective Date: January 28, 2026; Based on $650,000.00 borrowed, repaid over five years with $649,232.53 balloon due at maturity
- Oct 8, 20265.35%▼ from 5.38%
- Sep 16, 20265.38%first recorded
Jumbo rates calculated assuming 25% down and a loan amount of $832,800; APR assumes loan closes on last day of month
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
30-day lock, 20% down owner-occupant; APR based on $1,200,000 loan
Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
No additional details available.
- Oct 26, 20266.15%▼ from 6.40%
- Oct 22, 20266.40%first recorded
Loan amounts greater than $832,750
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example
- Oct 30, 20266.23%▼ from 6.36%
- Oct 19, 20266.36%first recorded
As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; Financing available up to 90% loan to value; Origination fees may apply; Construction phase up to 1 year in addition to terms listed
- Oct 23, 20266.25%▼ from 6.65%
- Sep 20, 20266.65%first recorded
Portfolio; Jumbo; P&I per $100,000: $615.72
- Oct 19, 20266.28%▲ from 5.78%
- Sep 29, 20265.78%first recorded
30-day lock, 20% down owner-occupant; APR based on $1,200,000 loan
No additional details available.
- Oct 26, 20266.39%▼ from 6.89%
- Oct 22, 20266.89%first recorded
Fixed-rate purchase mortgage
Payment: $4,108.44; 1st Adj Rate: N/A; 1st Adj Payment: N/A; Effective Date: January 28, 2026; Based on $650,000.00 borrowed, repaid over five years with $648,943.15 balloon due at maturity
- Oct 8, 20266.47%▼ from 6.50%
- Sep 16, 20266.50%first recorded
Loan Amount: $832,751 - $1,500,000
Effective date 10/26/2026; Jumbo fixed rate; assumes loan amount of $832,751 or greater
15-Year Jumbo Refinance Rates
Jumbo; Origination Fee or Lender Credit: 0.000%
- Oct 23, 20266.52%▼ from 6.77%
- Oct 12, 20266.77%▲ from 6.65%
- Oct 8, 20266.65%first recorded
Fixed Rate Mortgage; 180 monthly payments; P&I per $1,000 Borrowed $8.72; Autopay rate (non-autopay rates are .25% higher)
As Low As; Jumbo Mortgages (Greater than $832,750)
Payment: $3,639.81; 1st Adj Rate: N/A; 1st Adj Payment: N/A; Effective Date: January 28, 2026; Based on $650,000.00 borrowed, repaid over five years with $649,232.53 balloon due at maturity
- Oct 8, 20265.35%▼ from 5.38%
- Sep 16, 20265.38%first recorded
Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
No additional details available.
- Oct 26, 20265.65%▼ from 6.15%
- Oct 22, 20266.15%first recorded
Jumbo rates calculated assuming 25% down and a loan amount of $832,800; APR assumes loan closes on last day of month
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
30-day lock, 20% down owner-occupant; APR based on $1,200,000 loan
Jumbo rates calculated assuming 25% down and a loan amount of $832,800; APR assumes loan closes on last day of month
Jumbo Rate; $832,750 loan example; 80% LTV; 780 credit score; 45-day rate lock; 0.50 percentage point promotional discount requires FAIRWINDS checking with $500+ recurring direct deposit or automatic mortgage payments
No additional details available.
- Oct 26, 20266.15%▼ from 6.40%
- Oct 22, 20266.40%first recorded
Loan amounts greater than $832,750
As Low As; Rates as of October 19, 2026; Origination/Discount Fee: 0.750%; California only, LTV less than 80%, excellent credit
As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example
- Oct 30, 20266.23%▼ from 6.36%
- Oct 19, 20266.36%first recorded
As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; Financing available up to 90% loan to value; Origination fees may apply; Construction phase up to 1 year in addition to terms listed
- Oct 23, 20266.25%▼ from 6.65%
- Sep 20, 20266.65%first recorded
Effective date 10/26/2026; Jumbo fixed rate; assumes loan amount of $832,751 or greater
Jumbo loan; Apply Online
- Oct 26, 20266.28%▼ from 6.40%
- Oct 14, 20266.40%▼ from 6.53%
- Oct 2, 20266.53%▲ from 6.40%
- Sep 27, 20266.40%▲ from 6.15%
Portfolio; Jumbo; P&I per $100,000: $615.72
- Oct 19, 20266.28%▲ from 5.78%
- Sep 29, 20265.78%first recorded
As Low As; Effective Date: October 28, 2026; Example Loan Amount: $850,000; Example
- Oct 30, 20266.33%▼ from 6.45%
- Oct 19, 20266.45%first recorded
30-day lock, 20% down owner-occupant; APR based on $1,200,000 loan
Fee: 0.500%
No additional details available.
- Oct 26, 20266.39%▼ from 6.89%
- Oct 22, 20266.89%first recorded
Based on 20% downpayment and/or 80% LTV; owner occupied single family only; minimum loan amount $100,000; First Time Buyers receive $300 off closing costs
EMP / $1,000: $8.64; APR based on a $850,000 loan amount
- Oct 21, 20266.42%▲ from 6.17%
- Oct 7, 20266.17%▲ from 6.05%
- Sep 24, 20266.05%first recorded
Jumbo loan (greater than $832,751.00); APR assumes 20% down payment; Maximum loan amount $832,750.00; Schedule an Appointment
Fixed-rate purchase mortgage
Payment: $4,108.44; 1st Adj Rate: N/A; 1st Adj Payment: N/A; Effective Date: January 28, 2026; Based on $650,000.00 borrowed, repaid over five years with $648,943.15 balloon due at maturity
- Oct 8, 20266.47%▼ from 6.50%
- Sep 16, 20266.50%first recorded
Loan amounts greater than $832,750
Specialty Programs; Lender Fee: 0.00%; Estimated Payment:; Rates quoted on a 30-day lock option
- Oct 30, 20266.49%▼ from 6.74%
- Oct 19, 20266.74%▼ from 6.99%
- Oct 14, 20266.99%first recorded
Loan Amount: $832,751 - $1,500,000
Origination Fee: 0%
- Oct 30, 20266.50%▲ from 6.44%
- Sep 18, 20266.44%▲ from 6.31%
- Sep 14, 20266.31%first recorded
As Low As; Loan amounts greater than $832,750; Rates based on 80% loan to value; Financing available up to 90% loan to value; Origination fees may apply; Construction phase up to 1 year in addition to terms listed
- Oct 23, 20266.51%▼ from 6.90%
- Sep 20, 20266.90%first recorded
Effective date 10/26/2026; Jumbo fixed rate; assumes loan amount of $832,751 or greater
Loan Amount: $832,751 - $1,500,000
- Oct 28, 20266.51%▼ from 6.66%
- Oct 23, 20266.66%first recorded
Jumbo Mortgages (Greater than $832,750); Fixed Rate; Est. APR based upon a 0% Service Fee
Conventional Fannie Mae Mortgage Product; Origination Fee or Lender Credit: 0.000%; Rates stated for loan amounts over $100,000, 780+ credit score, LTV 80% or less, 60-day rate lock
Home Refinancing; Rates Effective Date: October 29, 2026
- Oct 29, 20266.53%▼ from 6.67%
- Oct 19, 20266.67%▼ from 6.79%
- Oct 9, 20266.79%▼ from 6.92%
- Oct 2, 20266.92%▲ from 6.79%
Amounts up to $1,500,000; Fixed Rate
5/1 Jumbo ARM Refinance Rates
Amount: $832,751 to $2,500,000; California properties only
As Low As; Interest rate 5.500%, APR 5.688%; 5/1 adjustable-rate mortgage
Margin: 2.500%; Caps: 2/2/6; Index: One-Year CMT; Rates effective as of October 29, 2026
Margin: 2.375%; Caps: 2/2/5; Index: Five-Year CMT; Rates effective as of October 29, 2026
As Low As; Estimated Payment per $10,000: $59.96; Loan amounts greater than $832,750; 5/5 adjustable-rate mortgage; minimum down payment 5%
- Oct 2, 20266.04%▲ from 5.79%
- Sep 20, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
Mortgage; Payment per $10,000: $61; Jumbo 5/5 ARM 30yr
- Oct 29, 20266.10%▲ from 6.07%
- Oct 26, 20266.07%▼ from 6.12%
- Oct 19, 20266.12%▲ from 6.10%
- Oct 13, 20266.10%▼ from 6.13%
As Low As; Min. Down Payment: 10%; Terms Available: Fixed: 15, 20, 30; ARMS: 5, 7, 10 Year Initial Fixed Rate Periods
As Low As; Jumbo loan (loans over $766,550); Current Calculation of Rate Remaining Term: 7.000%; Rate fixed 5 years then adjusts every 5 years; Up to 97% LTV for first-time homebuyers, 95% for other purchases
Amount: $832,751 to $2,500,000
- Oct 30, 20266.47%▼ from 6.52%
- Oct 19, 20266.52%▼ from 6.57%
- Oct 2, 20266.57%▲ from 6.49%
- Sep 27, 20266.49%▲ from 6.32%
As Low As; Effective October 1, 2026
- Oct 19, 20266.48%▼ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Effective October 1, 2026
Amount: $832,751 to $2,500,000
- Oct 30, 20266.59%▼ from 6.72%
- Oct 19, 20266.72%▲ from 6.69%
- Sep 27, 20266.69%▲ from 6.44%
- Sep 18, 20266.44%▲ from 6.37%
Rate as low as 6.375%; based on a $1,200,000 loan amount with 80% CLTV and FICO>=740; 5% rate cap for one-time adjustment; primary or secondary owner-occupied; rate and payment may increase after consummation
- Oct 23, 20266.60%▲ from 6.58%
- Sep 25, 20266.58%▲ from 6.20%
- Sep 17, 20266.20%▲ from 6.18%
- Sep 14, 20266.18%first recorded
Jumbo ARM
- Oct 29, 20266.60%▲ from 6.53%
- Oct 26, 20266.53%▼ from 6.60%
- Oct 13, 20266.60%▲ from 6.45%
- Sep 14, 20266.45%first recorded
APR (As Low As); Jumbo loans apply to loans greater than $750,000; requires LTV of 80% or less and credit score of 720 or higher; rates effective as of 10/19/2026
FHA Loan Refinance Rates
No additional details available.
- Oct 26, 20266.70%▼ from 6.96%
- Oct 14, 20266.96%▼ from 7.08%
- Sep 27, 20267.08%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.32%
Rate as low as 6.625%, APR as low as 6.837%; Loan Amount Example: $300,000.00
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
As Low As; Home Loan Rates
- Oct 2, 20266.84%▼ from 6.92%
- Sep 14, 20266.92%first recorded
As Low As; Purchases and First Mortgage Refinances; Rate as low as
- Oct 8, 20266.88%▲ from 6.63%
- Sep 25, 20266.63%▲ from 6.50%
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
Refinance rates current as of October 29, 2026
Refinance only; par option (0.000 points) shown; other options: 6.250% at 7.10% APR with 1.000 points, 6.750% at 7.44% APR with -1.000 points; loan amounts $50,000 - $1,249,125; estimated payment per $1,000 $8.93 (payment column ignored)
Home Refinancing; Rates Effective Date: October 29, 2026
Rate "As Low As"; APR "As Low As"; Example loan amount $300,000; Example; Effective Date: October 28, 2026
- Oct 30, 20266.52%▼ from 6.65%
- Oct 13, 20266.65%first recorded
Mortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
Rates accurate as of October 19, 2026
Rates accurate as of October 19, 2026
Type: Fixed; Rates as of 10/28/2026
No additional details available.
- Oct 26, 20266.70%▼ from 6.96%
- Oct 14, 20266.96%▼ from 7.08%
- Sep 27, 20267.08%▲ from 6.58%
- Sep 18, 20266.58%▲ from 6.32%
Home refinance; based on $187,500 loan amount and property value of at least $250,000; APR is for a borrower with a 750 credit score; 30-year term = 360 months; effective 10/28/2026; 30-day lock
- Oct 28, 20266.82%▼ from 6.88%
- Oct 23, 20266.88%▼ from 7.01%
- Oct 15, 20267.01%▼ from 7.05%
- Oct 8, 20267.05%▲ from 6.84%
FHA; based on maximum allowable loan to value ratio of 96.50%; Payment: $1,621.50; Last updated October 21 2026
As Low As; APR*; 30-year rate shown
- Oct 29, 20266.85%▼ from 7.10%
- Oct 5, 20267.10%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.48%
- Sep 17, 20266.48%first recorded
New home purchase
- Oct 29, 20266.87%▼ from 7.25%
- Oct 26, 20267.25%▼ from 7.38%
- Sep 21, 20267.38%▲ from 7.00%
- Sep 14, 20267.00%first recorded
Rate Type: Fixed; 1% origination fee and $350 processing fee; based on 80% LTV of purchase price; effective 10-28-2026
- Oct 23, 20266.88%▼ from 6.99%
- Oct 12, 20266.99%▼ from 7.13%
- Oct 8, 20267.13%▲ from 6.88%
- Oct 4, 20266.88%▼ from 7.13%
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.88%▼ from 7.04%
- Oct 26, 20267.04%▼ from 7.19%
- Oct 10, 20267.19%▼ from 7.29%
- Oct 2, 20267.29%▲ from 7.17%
Rates effective as of October 26, 2026; FHA, Rural Development, VA loan rates based on $400,000 loan amount, 96.5% loan to value, 780+ credit score, and a 30 day lock
Sample based on $400,000 loan amount with 25% down payment
- Oct 29, 20266.89%▼ from 7.16%
- Oct 13, 20267.16%▲ from 7.14%
- Oct 2, 20267.14%▼ from 7.22%
- Sep 29, 20267.22%▲ from 7.16%
As Low As
Mortgage Rates
As Low As; Rates as low as 6.50%; APR as low as 6.917%
- Oct 30, 20266.92%▼ from 7.17%
- Oct 14, 20267.17%▼ from 7.30%
- Sep 30, 20267.30%first recorded
Fixed Rate Mortgage; Origination Fee: $1595; FHA Loan: 96.5% LTV; 80% LTV Cash-out Refinance
Government; Effective 10/28/2026
No additional details available.
- Oct 11, 20267.00%▲ from 6.62%
- Sep 27, 20266.62%▼ from 6.65%
- Sep 15, 20266.65%first recorded
Sample based on $400,000 loan amount with 25% down payment
- Oct 29, 20267.05%▼ from 8.25%
- Oct 13, 20268.25%▲ from 7.63%
- Oct 2, 20267.63%▼ from 7.76%
- Sep 29, 20267.76%▲ from 7.65%
Purchase Rates
As Low As; Rate as low as 6.500%; APR as low as 7.072%; Effective Date: October 23, 2026; based on loan amount of $175,000, credit score of 740, and 80% LTV
- Oct 26, 20267.07%▼ from 7.35%
- Oct 10, 20267.35%first recorded
Rates include 1% origination fee.
- Oct 29, 20267.09%▼ from 7.47%
- Oct 5, 20267.47%first recorded
Government; P&I per $100,000: $656.93
Sample based on $400,000 loan amount with 25% down payment
- Oct 29, 20267.10%▼ from 7.47%
- Oct 13, 20267.47%▲ from 7.45%
- Oct 2, 20267.45%▼ from 7.49%
- Sep 29, 20267.49%▲ from 7.47%
FHA/VA Mortgages; VA loans require a VA funding fee.
- Oct 29, 20267.15%▼ from 7.28%
- Oct 22, 20267.28%first recorded
Additional Financing; Rates subject to change; available to borrowers with a credit score of 740 or greater on primary residence purchase loans only
- Oct 26, 20267.15%▼ from 7.96%
- Oct 14, 20267.96%▼ from 8.54%
- Oct 7, 20268.54%▲ from 6.90%
- Sep 18, 20266.90%first recorded
No additional details available.
No additional details available.
Lender Fee: 0.00%; Mortgage rates effective 10/29/2026
- Oct 30, 20267.17%▼ from 7.38%
- Oct 14, 20267.38%▼ from 7.41%
- Oct 10, 20267.41%▲ from 7.36%
- Oct 2, 20267.36%▼ from 7.38%
Rate "As Low As"; APR "As Low As"; Example loan amount $300,000; Example; Effective Date: October 28, 2026
- Oct 30, 20267.22%▼ from 7.34%
- Oct 13, 20267.34%first recorded
Rate Details For Purchase Rates Conforming and Government Loans; FHA; Purchase
- Oct 29, 20267.22%▼ from 7.61%
- Oct 19, 20267.61%first recorded
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
No additional details available.
Home Mortgage Loans - FHA Fixed; 'As low as' APR rates vary based on collateral, credit worthiness, and term.
As Low As; Fixed Mortgage Rates effective October 29, 2026; based on $175,000 loan amount, 740 credit score, 80% LTV
- Oct 30, 20267.25%▼ from 7.64%
- Oct 26, 20267.64%▲ from 7.49%
- Oct 19, 20267.49%▼ from 7.52%
- Oct 2, 20267.52%▲ from 7.49%
APR as low as; Mortgage rate table under FHA/VA Loans heading
Purchase rates; loan amounts $50,000 - $1,249,125; APR includes mortgage insurance; other point options: 1.000 points at 6.250% rate / 7.17% APR, -1.000 points at 6.750% rate / 7.51% APR
- Oct 23, 20267.26%▲ from 7.19%
- Oct 13, 20267.19%first recorded
Minimum down: 3.500%; Government Home Loans; Rates based on 740 credit score and 3.5% down payment
No additional details available.
No additional details available.
As Low As; Purchase loan, $225,000 loan amount, $375,000 property value, NY (Erie county), primary residence, escrow required, 60-day rate lock, 740 credit score assumed
APR as low as; Mortgage rate table under FHA/VA Loans heading
No additional details available.
- Oct 20, 20267.34%▼ from 7.65%
- Oct 1, 20267.65%▲ from 7.27%
- Sep 27, 20267.27%▲ from 6.38%
- Sep 15, 20266.38%first recorded
New home purchase
- Oct 26, 20267.34%▼ from 7.60%
- Sep 25, 20267.60%▲ from 7.21%
- Sep 14, 20267.21%first recorded
Mortgage Loans; Payment example: $1,955
Purchase transactions; FICO 780; loan amount $240,000; LTV 96.5%; payment $1543; rate lock 30 days
- Oct 26, 20267.36%▼ from 7.84%
- Oct 20, 20267.84%▼ from 7.97%
- Oct 7, 20267.97%▲ from 7.59%
- Sep 15, 20267.59%first recorded
FHA APR based on $400,000 loan with 3.5% down; Rates include 1% loan fee
Rates effective 10/22/2026; Rates include a 1% loan fee, based on $400,000 loan with 20% down payment; FHA APR based on $400,000 loan with 3.5% down; Rates are based on purchase of a primary residence
- Oct 23, 20267.38%▼ from 7.49%
- Oct 12, 20267.49%first recorded
No additional details available.
Fixed rate FHA loan
- Oct 26, 20267.38%▲ from 6.62%
- Oct 20, 20266.62%▼ from 7.51%
- Oct 20, 20267.51%▲ from 6.62%
- Oct 14, 20266.62%▼ from 7.89%
VA Loan Refinance Rates
No additional details available.
- Oct 29, 20266.72%▼ from 7.24%
- Oct 9, 20267.24%▲ from 7.11%
- Sep 29, 20267.11%▲ from 6.74%
- Sep 18, 20266.74%▲ from 6.49%
Fixed 180 Months
- Oct 26, 20266.79%▼ from 7.42%
- Oct 19, 20267.42%first recorded
Rate as low as 6.625%, APR as low as 6.837%; Loan Amount Example: $300,000.00
- Oct 10, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As; Home Loan Rates
- Oct 2, 20266.84%▲ from 6.20%
- Sep 14, 20266.20%first recorded
As Low As; Purchases and First Mortgage Refinances; Rate as low as
- Oct 8, 20266.88%▲ from 6.63%
- Sep 25, 20266.63%▲ from 6.50%
- Sep 17, 20266.50%▲ from 6.38%
- Sep 12, 20266.38%first recorded
No additional details available.
- Oct 30, 20266.98%▼ from 7.10%
- Oct 26, 20267.10%▼ from 7.23%
- Oct 14, 20267.23%▼ from 7.36%
- Oct 2, 20267.36%▲ from 7.23%
Variable rate tied to TD Mortgage Prime Rate
As Low As; Type: 3 year/1 year variable rate
As Low As; APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20265.50%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As; APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20265.75%▲ from 5.40%
- Sep 14, 20265.40%first recorded
As Low As; APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20266.00%▲ from 5.65%
- Sep 14, 20265.65%first recorded
Origination Fee: 0%
- Oct 26, 20266.13%▼ from 6.25%
- Oct 2, 20266.25%▼ from 6.38%
- Oct 1, 20266.38%▲ from 6.25%
- Sep 27, 20266.25%▲ from 6.17%
As Low As; APR as low as; 1% Origination Fee charged on all 1st Mortgages. Other fees may apply that could affect the final APR.
- Oct 2, 20266.25%▲ from 5.90%
- Sep 14, 20265.90%first recorded
Rates are for owner occupied 1-4-unit purchase or refinance transactions; APR includes a 1% lender fee; Example loan $300,000,; effective 10/29/2026
No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $8.58
- Oct 26, 20266.34%▼ from 6.46%
- Oct 13, 20266.46%▼ from 6.59%
- Oct 2, 20266.59%▲ from 6.46%
- Oct 1, 20266.46%▲ from 6.21%
Fixed-rate purchase mortgage
As Low As; Rates effective 10/23/2026; Maximum loan amount $832,750.00; assumes purchase price $175,000 and minimum credit score 740
Fixed-rate purchase mortgage
VA Loans; Rate information is accurate as of October 9, 2026
Rate "As Low As"; APR "As Low As"; Example Loan Amount: $300,000; Example; Effective Date: October 28, 2026
- Oct 30, 20266.52%▼ from 6.65%
- Oct 19, 20266.65%first recorded
VA loan; Minimum loan amount $75,000; APRs updated daily
As Low As; Points 0.0
No additional details available.
As Low As; Points 0.0
No additional details available.
Interest Rate; Mortgage rate as shown on Today's Home Loan Rates
- Oct 26, 20266.63%▼ from 7.00%
- Oct 1, 20267.00%▲ from 6.50%
- Sep 24, 20266.50%▲ from 6.00%
- Sep 15, 20266.00%first recorded
Mortgage Rates table; All rates assume credit scores of 740 and above; loan amounts between $126,000 and $647,200; rates subject to change
15 Year Fixed VA Mortgage; rate example based on $400,000 loan amount, 25% down payment
Payment example based on $300,000 loan amount: $1,920.93; Rates rely on 780 credit score, 75% loan to value, 30-day rate lock
VA loan; Minimum loan amount $75,000; APRs updated daily
As Low As; Rates effective 10/23/2026; Maximum loan amount $832,750.00; assumes purchase price $175,000 and minimum credit score 740
Effective October 1, 2026; Rate and APR shown as low as
Max LTV: 100%; APR based on $100,000 loan for the specified term and includes fees ($650 processing, $25 Flood Determination, $3,300 VA Funding)
Max LTV: 100%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; APR based on $100,000 loan incl. VA funding fee
30 Year Fixed VA Mortgage; rate example based on $400,000 loan amount, 25% down payment
Home Loans Over $832,750; Rate Effective Date: October 29, 2026
- Oct 23, 20266.78%▼ from 6.83%
- Oct 15, 20266.83%▲ from 6.75%
- Oct 13, 20266.75%▼ from 6.80%
- Oct 9, 20266.80%▲ from 6.75%
As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required.
VA loan; Minimum loan amount $75,000; APRs updated daily
Home Loans Over $832,750; Rate Effective Date: October 29, 2026
- Oct 23, 20266.80%▼ from 6.86%
- Oct 15, 20266.86%▲ from 6.80%
- Oct 13, 20266.80%▼ from 6.87%
- Oct 9, 20266.87%▲ from 6.80%
No down payment required; $1,600 closing costs; Minimum credit score 620; Certificate of Eligibility required; Payment per $1,000: $6.49
- Oct 13, 20266.80%▼ from 6.93%
- Oct 2, 20266.93%▲ from 6.80%
- Oct 1, 20266.80%▲ from 6.55%
- Sep 18, 20266.55%▲ from 6.43%
New home purchase
- Oct 29, 20266.81%▼ from 7.19%
- Oct 5, 20267.19%▲ from 7.06%
- Oct 2, 20267.06%▼ from 7.19%
- Sep 25, 20267.19%▲ from 6.81%
up to $832,750; Rate Effective Date: October 29, 2026; Link: Get Started
Type: Fixed; Rates as of 10/28/2026
up to $832,750; Rate Effective Date: October 29, 2026; Link: Get Started
As Low As; APR*; 30-year rate shown
- Oct 29, 20266.85%▼ from 7.10%
- Oct 5, 20267.10%▲ from 6.85%
- Sep 25, 20266.85%▲ from 6.48%
- Sep 17, 20266.48%first recorded
Government; 1.000 points; P&I per $100,000: $640.31
- Oct 26, 20266.86%▼ from 6.99%
- Oct 19, 20266.99%▼ from 7.23%
- Oct 9, 20267.23%▼ from 7.24%
- Sep 29, 20267.24%first recorded
Down Payment: 0.00%; Payment: $1,621.50; Loan Amount: $250,000.00; LTV: 100.00%
- Oct 26, 20266.87%▼ from 6.99%
- Oct 19, 20266.99%▼ from 7.12%
- Sep 29, 20267.12%▲ from 6.87%
- Sep 21, 20266.87%▲ from 6.74%
Mortgage Loans (Purchase); Effective October 29, 2026
- Oct 30, 20266.87%▼ from 7.01%
- Oct 26, 20267.01%▼ from 7.13%
- Oct 10, 20267.13%▼ from 7.14%
- Oct 2, 20267.14%▲ from 7.12%
Origination Fee: 0%
- Oct 26, 20266.89%▼ from 7.02%
- Oct 2, 20267.02%▼ from 7.15%
- Oct 1, 20267.15%▲ from 7.02%
- Sep 27, 20267.02%▲ from 6.51%
Hale Kamaaina Mortgage Program; State of Hawaii only; Interest rates updated as of 10/26/2026
Rates effective as of October 26, 2026; FHA, Rural Development, VA loan rates based on $400,000 loan amount, 96.5% loan to value, 780+ credit score, and a 30 day lock
No additional details available.
Lender Fee: 0.00%; Mortgage rates effective 10/29/2026
- Oct 30, 20266.91%▼ from 7.10%
- Oct 19, 20267.10%▼ from 7.12%
- Oct 14, 20267.12%▼ from 7.14%
- Oct 10, 20267.14%▼ from 7.20%
As of October 29, 2026
- Oct 30, 20266.92%▼ from 7.18%
- Oct 14, 20267.18%▲ from 6.80%
- Sep 14, 20266.80%first recorded
As Low As; Fixed Mortgage Rates; Based on $175,000 loan amount, 740 credit score, 80% LTV
- Oct 30, 20266.95%▼ from 7.33%
- Oct 26, 20267.33%▲ from 7.12%
- Oct 19, 20267.12%▼ from 7.15%
- Oct 14, 20267.15%first recorded
Rates include 1% origination fee.
- Oct 29, 20266.95%▼ from 7.21%
- Oct 5, 20267.21%first recorded
Monthly principal and interest payment: $981.12; Number of monthly payments: 360
- Oct 26, 20266.96%▼ from 7.35%
- Oct 1, 20267.35%▲ from 6.84%
- Sep 24, 20266.84%▲ from 6.32%
- Sep 19, 20266.32%first recorded
No additional details available.
No additional details available.
- Oct 30, 20266.98%▼ from 7.10%
- Oct 26, 20267.10%▼ from 7.23%
- Oct 14, 20267.23%▼ from 7.36%
- Oct 2, 20267.36%▲ from 7.23%
As Low As; Purchase
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Refinance Rate Trends
Daily averages of posted first-mortgage rates across our lender network, updated every evening. Most lenders apply the same rate to purchase and refinance loans, so this is the benchmark a refinance quote should be measured against, plus roughly 0.189 points at lenders that price refinances separately.
The national 30-year fixed average mortgage rate currently averages 7.255%, according to MonitorBankRates trend data.
The national 15-year fixed average mortgage rate fell 0.003 points this week to 6.799%, according to MonitorBankRates trend data.
Mortgage Refinance Rate Forecast, Next 12 Months
Where are U.S. refinance rates headed through October 2027?
Based on Fed funds rate futures, 10-year Treasury yield path, and historical mortgage spread model. If the forecast shows rates falling, waiting may beat refinancing today; the break-even calculator below shows what each scenario is worth. Not financial advice.
What Forecast Rates Mean for Homeowners Refinancing
Monthly principal & interest on U.S. median home of $303,400 with 20% down, 30-year fixed (U.S. Census Bureau)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (current avg) | 7.255% | $1,657 | , | 24.6% |
| 6-Month Forecast | 7.255% (6.91–7.56%) | $1,657 | +$0/mo | 24.6% |
| 12-Month Forecast | 7.505% (7.16–7.81%) | $1,698 | +$41/mo | 25.2% |
Income column = annual mortgage payment as % of U.S. median household income ($80,734). Above 30% is generally considered cost-burdened.
What Homeowners Actually Pay to Refinance
Posted refinance rates from our lender network alongside the rates borrowers closed at, from federal HMDA filings
Two different measures. The refinance premium is computed nightly from lenders that publish separate purchase and refinance pricing. HMDA figures are median note rates on loans that actually closed, by state.
Refinance Break-Even Calculator
Enter your current loan and the refinance rate you have been quoted. The calculator shows the new payment, monthly savings, and how many months it takes for those savings to pay back the closing costs. Click a current U.S. rate on the right to test it instantly.
Principal and interest only. Excludes escrow, mortgage insurance, and any prepayment penalty on the current loan. Lifetime interest compares the remaining interest on the current loan to total interest on the new loan. Estimates are for informational purposes only.
Run the Numbers on Your Refinance
The rate is only part of the decision. Use these calculators to turn current home refinance rates into monthly savings, break-even months, and total interest before you request quotes from refinance lenders.
Enter your current rate, remaining balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, monthly savings, and the break-even point, the number of months it takes for your savings to cover closing costs.
CalculateEnter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios: a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateIf your goal is cash rather than a lower rate, compare current home equity loan and HELOC rates against a cash-out refinance. Keeping a low existing first mortgage and adding a second lien is often the cheaper path, especially for loans originated between 2020 and 2022.
CompareTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current rates, so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateTypes of Refinance Loans
Homeowners can choose from several refinance programs. The right one depends on what you are trying to do: lower the rate, shorten the term, pull cash out, or drop mortgage insurance. Pricing, appraisal requirements, and eligibility differ across each, and the cheapest program is not always the lowest posted rate once fees are counted.
Rate-and-Term Refinance
The standard refinance. You replace your existing mortgage with a new loan for about the same balance, changing only the rate, the term, or both. It is the lowest-priced refinance product at nearly every lender because the loan-to-value ratio does not rise.
Best for homeowners whose rate is at least half a point above today’s average and who plan to stay past the break-even point. Choosing a term that matches your remaining years, rather than resetting to 30, keeps the payoff date where it is.
Cash-Out Refinance
A cash-out refinance replaces your mortgage with a larger one and hands you the difference at closing. Conventional lenders cap the new loan at 80% of appraised value; VA cash-out loans go to 90%. Rates run above rate-and-term pricing.
If you hold a low rate from 2020 to 2022, a home equity loan or HELOC usually costs less than refinancing the whole balance at today’s rate to pull out cash.
FHA Streamline Refinance
For homeowners already in an FHA loan. No appraisal, no income verification, and limited credit review, as long as the new loan produces a net tangible benefit (generally a rate at least 0.5% lower, or a move from an ARM to a fixed rate). You need 210 days since the first payment and six on-time payments.
The upfront mortgage insurance premium is reduced to 0.01% and annual MIP continues, so FHA borrowers with 20% equity and good credit should also price a conventional rate-and-term refinance, which drops mortgage insurance entirely.
VA IRRRL (Streamline Refinance)
The Interest Rate Reduction Refinance Loan lets veterans refinance an existing VA loan with no appraisal, no income documentation, and a funding fee of just 0.5% (waived for borrowers with a service-connected disability). Closing costs can be rolled into the loan.
The new rate must be lower than the current one unless you are moving from an ARM to a fixed rate, and you must recoup closing costs within 36 months. VA lenders quote IRRRL pricing separately, so ask for it by name.
USDA Streamlined-Assist Refinance
For homeowners with an existing USDA Rural Development loan. No appraisal or credit review in most cases, and the new payment must be at least $50 a month lower than the current one. The property no longer has to meet the rural eligibility map.
Twelve months of on-time payments are required, and the 1% upfront guarantee fee plus the annual fee apply to the new loan.
Jumbo Refinance
The 2026 FHFA conforming baseline is $832,750 for most counties, higher in designated high-cost areas. A refinance above the county limit is a jumbo loan, priced and underwritten lender by lender.
Jumbo refinances usually require a 700 or higher credit score, reserves of six to twelve months of payments, and a loan-to-value of 80% or less. Because balances are large, even a quarter-point rate difference is worth thousands a year, so compare the 30-Year Jumbo and 15-Year Jumbo tabs above closely. If paying the balance down to the conforming limit at closing is possible, conforming refinance pricing is often noticeably better.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our refinance rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Refinance Rate Data: We aggregate mortgage and refinance rates directly from the official websites of lenders, banks, and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Where a lender publishes a product specifically for refinancing, it appears in the Refinance Products tab; where a lender publishes one rate sheet for purchase and refinance loans, that rate is shown as the refinance rate, which is how the lender itself quotes it.
Refinance Premium and HMDA Figures: The refinance premium is the average difference between a lender’s refinance-labeled product and the same lender’s standard product of the same term, computed nightly across lenders that publish both. It is shown for context and is never added to any rate in the tables. HMDA figures are median note rates on first-lien, owner-occupied, one-to-four-unit loans originated in the most recent reporting year, from the Consumer Financial Protection Bureau’s public Loan/Application Register.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products across the country. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national online lenders.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage and refinance rates daily. Because mortgage rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own specific “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you are comparing rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Refinance Rates
What are refinance rates today?
What are home loan refinance rates today?
Are refinance rates higher than purchase mortgage rates?
When does refinancing make sense?
How soon can I refinance a mortgage?
What is a rate-and-term refinance?
What is a cash-out refinance?
Does refinancing reset my 30-year term?
What are typical refinance closing costs?
What is the difference between interest rate and APR on a refinance?
Should I lock my refinance rate?
How do I compare refinance lenders?
How do I get refinance quotes?
What are the best mortgage refinance rates today?
- Sharon And Crescent United Credit Union: 5.50% (On The House Refinance - 5/5 ARM)
- Whatcom Educational Credit Union: 5.75% (Home Refinance - 7-Year Jumbo ARM)
- TruStone Financial Credit Union: 5.875% (5/6 ARM Refinance)
- First Community Credit Union Houston, TX: 6.00% (Refinance - 15 Year Fixed)
- Patelco Credit Union: 6.00% (Refinance Adjustable Rate Loan - 7/1 30-Year Adjustable Jumbo)
Mortgage Refinance Rates & Home Refinance Rates by State
