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Refinance your mortgage.

Refinance your mortgage to lock in the best rate and terms

Refinancing could save you thousands of dollars in interest over the life of the loan. NerdWallet has researched the major mortgage lenders to help you quickly find the best one for you. We recommend comparing refinance offers from at least three lenders to be sure you’re getting the rate and terms best suited to your needs.

Get started with NerdWallet's top picks

Rocket Mortgage
  • The biggest online mortgage lender in the U.S.
  • Offers a fully automated process that imports employment and income data, credit scores, property info and more
  • Provides a loan decision in minutes
  • Available in all 50 states and Washington, D.C.
  • Read our Rocket Mortgage review
Get Started on Quicken's website
Available in all 50 states and Washington, D.C.
Available statesRead less
loandepotlogo-270x55
  • Top refinance lender with an expanding digital mortgage platform
  • Offers a full menu of mortgage loans, including HARP refinances and home equity loans
  • Has 150 local offices for those who prefer face-to-face service
  • Available in all 50 states and Washington, D.C.
  • Read our LoanDepot Mortgage review
Get Started on LoanDepot's website
Available in all 50 states and Washington, D.C.
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sofi_270x55
  • SoFi offers an all-digital lending platform with online application and loan tracking
  • Offers a variety of mortgage products, including jumbo and interest-only loans
  • No application, origination or other lender fees
  • Available in 27 states and Washington, D.C. (see full list below)
  • Read our SoFi Mortgage review
Get Started on SoFi's website
Available in AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, MD, MN, MT, NC, ND, NJ, NY, OR, PA, RI, TN, TX, VT, WA, WI, and WY
Available statesRead less

Not sure which lender is right for you?

Consider working with a mortgage broker, who can shop your refinance with multiple lenders quickly, saving you time and effort. Connect with one of our expert brokers to find the best mortgage refinance for you.

Why should I compare multiple lenders?

Most homeowners looking for a refinance are inclined to work with their existing lender. We recommend that you compare offers from at least three lenders when you’re planning your mortgage refinance. You’ll be able to check the offers against one another and choose the one that’s right for you.

What should I look for in a refinance offer?

When you refinance your mortgage, there’s a lot to consider. The interest rate, the term of the new loan, closing costs, fees, whether your home’s value has changed; the list goes on. It can be hard to know what you’re getting into, and that’s where comparison shopping with multiple lenders can help.

Each lender will assess your finances and credit history, order an appraisal of your home and preapprove you for refinance terms they’re willing to offer. Once you’ve compared multiple offers, you can confidently choose the best one, or decide that a refinance doesn’t make sense.

Learn more about what to expect when you refinance your mortgage.