Live rates - updated every business day
Today's Refinance Rates
Live pricing from the wholesale lenders we broker, shown with APR. Enter your scenario to see a $0 loan cost option and a 1-point option. No credit pull and no contact details needed.
How to read a quote
What you are looking at
The $0 loan costs option
The lowest rate where the lender credit covers our compensation and the lender fees, so you pay no lender or broker charges. Third-party costs such as title, appraisal and recording, plus prepaid interest and escrow, are separate.
The 1-point option
You pay one discount point, 1% of the loan amount, for a lower rate. Whether that pays off depends on how long you keep the loan. Run the break-even math before you choose it.
APR and the rate sheet date
Every quote shows its APR and the date of the lender rate sheet it came from. Pricing changes every business day, and no rate is locked until you apply and lock it.
The fine print
What the estimate assumes
Each quote is built from the property value, loan amount, credit score, state, occupancy and property type you enter. VA, FHA and USDA quotes assume a single-family primary home. Your final rate depends on full underwriting, and an estimate here is not a Loan Estimate or a commitment to lend.
Quotes are available in the states where Home Loans Inc is licensed: South Carolina, North Carolina, Virginia, West Virginia, Georgia, Florida, Alabama, Mississippi, Iowa and Wyoming. Live somewhere else? Find your state to join the waitlist.
Keep reading
Related rates and tools
VA Cash-Out Rates
Live VA cash-out pricing with APR.
Learn more →Non-QM Rates
DSCR and bank statement programs.
Learn more →Break-Even Point
Is paying a point worth it?
Learn more →Refinance Calculator
Estimate your closing costs, no credit pull.
Learn more →Cost to Refinance
What you pay and who you pay it to.
Learn more →Refinance by State
Find program details where you live.
Learn more →Questions
Refinance rate FAQ
How often do these rates change?
Lenders publish new rate sheets every business day, and some reprice during the day. Each quote shows the date of the rate sheet it came from.
Do I need to give my contact details or have my credit pulled?
No. The quote runs on the numbers you enter. Nothing is saved and no credit is pulled. You only share contact details if you choose to apply or book a call.
Is the rate I see locked?
No. It is an estimate for the scenario you entered. A rate is locked only after you apply, we verify your details, and the lender confirms the lock.
Why is the APR higher than the rate?
APR spreads certain loan costs over the loan term, such as discount points, prepaid interest, any VA funding fee and, above 80% loan-to-value on a conventional loan, estimated mortgage insurance. It lets you compare offers on equal terms.
Why is my state not in the list?
Home Loans Inc only quotes where it is licensed: South Carolina, North Carolina, Virginia, West Virginia, Georgia, Florida, Alabama, Mississippi, Iowa and Wyoming. If your state is not listed, you can join the waitlist from the Refinance by State page.
Is refinancing worth it for you?
Get a free, no-obligation refinance review from a licensed broker: whether it makes sense now, what it would cost, and how long it takes to break even.