Today’s Mortgage Refinance Rates

Rates aren’t one size fits all. The best way to get your current refinance rate is to let us estimate it based on your unique details.

See Rates For

Buying A Home Refinancing

30-Year Fixed

Rate6.375%

/

APR6.699%

Points

2.125 ($5,312.50)

Apply To Refinance
Learn About 30-Year Fixed Loans

20-Year Fixed

Rate6.125%

/

APR6.53%

Points

2 ($5,000.00)

Apply To Refinance
Learn About 20-Year Fixed

30-Year FHA

Rate6.49%

/

APR7.392%

Points

2 ($5,087.50)

Apply To Refinance
Learn About FHA Loans

30-Year Jumbo Fixed

Rate5.99%

/

APR6.202%

Points

1.75 ($16,625.00)

Apply To Refinance
Learn About Jumbo Loans

30-Year VA

Rate6.625%

/

APR7.168%

Points

2 ($5,107.50)

Apply To Refinance
Learn About VA Loans
A tan home with cedar trim and a new curving sidewalk and landscaped front yard, funded by a refinance with Rocket Mortgage.

Mortgage Rate Lock: A Guide

Learn about steps you can take to lock in your mortgage rate.
Read About Locking Your Rate

Rates are current as of 2:56 PM UTC on December 6, 2024

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What’s your personalized mortgage rate?

Home loan interest rates are calculated using details unique to everyone. They include your loan amount, how much debt you have compared to your income and your credit profile.

Our experts use this info to find the best rate for you – and the best way to reach your home buying goals.

Don’t wait on rates.

You could be missing out if you’re basing your next step on rates alone.
Know the difference.
A quarter of a percent rate change (.25%) roughly equals a $30 difference in your monthly payment.
Your rate is unique.
Your loan amount, your credit profile, your financial picture = your rate.
Your rate is temporary.
You’re never stuck with a rate forever. Take your goals off hold, discover what’s possible.

Join our clients who give us 5 stars for rates and service.

"was easy to upload documentation, i got a great rate, and am extremely happy with the service."

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-BEN

"We got great, attentive service, and importantly, a very competitive rate that we were happy with."

-Elise

"This was my first real mortgage … the interest rate was way better than anyone else could offer and the process … was so fluid."

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Mortgage Refinance Rates Frequently Asked Questions

Don't see your question here? We love helping people understand how rates work and what yours could be. Just talk to us.

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