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30-Year Fixed Rate
N.NNN Interest Rate
View Rates and Assumptions

Why Refinance

Make your payments work better for you

  • Lower monthly payments.

    Whether you want to switch from an adjustable rate to a fixed rate, or just looking to increase your cash flow, refinancing may get you a lower interest rate so you can save money each month.

  • Pay off your loan faster.

    Changing to a shorter term means you pay off your home sooner and lower the total amount of interest you're paying on it.

  • Take cash out.

    If there's equity in your home, taking cash out adds to your mortgage but provides the option to consolidate debt, make home improvements or pay off other expenses.

Let's talk

Our loan experts can answer all your questions and guide you through next steps.

Take the Next Step

Today's Rates

Get the loan you want, on your terms

Fixed Rate Mortgage

Adjustable Rate Mortgage


Crunch the Numbers

See the difference a new loan can make with our refinance calculator.

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We're unable to show you our rate and payment options right now. Please check back later.

Our Annual Percentage Rates (APRs) are accurate as of NN/NN/NN and can change daily. This information reflects rates for borrowers with excellent credit in the state of California and a $300,000 conventional loan with 20% down for a single-family home in that state. The monthly payment amount we show doesn’t include taxes or insurance and assumes NNN monthly payments for a NN. View Jumbo Loan Options

Monthly Payment Points Interest Rate APR

Crunch the Numbers

See the difference a new loan can make with our refinance calculator.

desktop image of calculator

See How We Compare

Find the loan that's right for you

Finding the right loan involves more than looking for a good interest rate – you want to work with a lender who can help you understand how things like points, closing costs and your credit score all impact your monthly payment. All rates shown here (even ours) include approximately 1 discount point. You can go to a competitor website for more details on points charged on a specific rate. View Jumbo Loan Options

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Capital One ®
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Bank of America ®
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Chase ®
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Wells Fargo ®
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Your Home Team

We're with you every step of the way

  • Dedicated support.

    We provide you with a knowledgeable team of loan experts to help you through the home loan experience, from application to close.

  • Communication options.

    You choose how you'd like to be contacted: by phone or email.

  • Frequent updates.

    We check in with you regularly to answer any questions you may have along the way.

  • Online access.

    Manage all your loan-related documents from any device. It's quick, convenient and secure.

How it Works

Know what to expect ahead of time

  • 1. Meet your Home Team and apply

    Meet your Home Team and apply

    We'll connect you with a team of loan experts who will guide you through the process. This means you'll have a loan advisor, loan coordinator and closing coordinator with you every step of the way. After you reach out, we'll introduce you to a licensed loan advisor who will look at your information and help you decide if if it makes sense to refinance.

    Our responsibilities

    • Help you understand your options
    • Start your application

    Your responsibilities

    • Be responsive to phone calls from us
    • Know your credit history and financial goals

    It takes 5 minutes to get started. Take the Next Step


We have answers

Still have questions? Visit our Help Center.