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Accurate as ofSep 29th 2023

Best Mortgage Refinance Rates 2023

Refinance to get more options

Finding the lowest mortgage refinance rates can save you a lot of money, but you should also know when to refinance and what terms to look for. Compare providers below.
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Which refinance lender is right for you?
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BestMoney Total Score

Our scoring system incorporates a weighted formula, which considers two parameters, Semrush and TrustPilot, providing a numerical score out of 10 and a star ranking out of 5 for each brand.

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As a leading independent review platform, TrustPilot houses an extensive collection of over 120 million consumer reviews for more than 550,000 brands. With its ever-expanding repository, TrustPilot serves as a resource to gauge consumer satisfaction, making it an integral part of our scoring system. The BestMoney Total Score is determined by incorporating the brand's TrustPilot score, on a scale of 1-5. However, in cases where a TrustPilot score is unavailable, the BestMoney Total Score will be based solely on the Brand Reputation score provided by Semrush.

Brand Reputation

To ascertain the reputation and recognition of the listed brands, we rely on Semrush's reliable and comprehensive competitive research tool and traffic analytics platform. By utilizing Semrush, we obtain estimates of both mobile and desktop traffic for any website. Evaluating clickstream data, including user activity, search patterns, and engagement levels, Semrush helps us accurately assess the brand's visibility, credibility, and authenticity. The Semrush score is then adjusted to our 0-5 formula for precise evaluation. However, in cases where a Semrush score is unavailable, the BestMoney Total Score will be based solely on the TrustPilot score

Is Refinancing Your Mortgage the Right Move for You?

Times change, so why shouldn’t your mortgage? Mortgage refinancing (sometimes referred to as taking out a second mortgage) can help you save money, get cash in your pocket, lower your monthly payments, shorten your loan term and more! 

Learn more about mortgage refinancing and get the facts before you decide if it’s the right move for you.

Are you considering refinancing your home? The main motivations for a homeowner to consider refinancing, or taking out a second mortgage on their home, are to: save money, get cash, lower monthly payments, and shorten the overall term of their loan. 

Refinancing can save you money

How do you save money with a refinance? You can save money by getting a lower interest rate. In the time that has passed since the purchase of your home, interest rates might have significantly gone down. It’s worth looking into.

Compare our top lenders

LenderMinimum Credit ScoreVisit Site
   AmeriSave620View Rates
 Quicken Loans  620View Rates

You can change your loan terms with a refinance

Another way that a refinance can save you money is that it gives you the opportunity to change the actual terms of your loan to make it relevant to your current financial situation, as opposed to whatever your financial situation was at the time of the sale. Some of the mortgage characteristics that you can change are the loan term, interest rate, and even monthly payment.

With refinancing, you can increase your equity

The biggest expectation of property owners is that their property increases in value over the course of time. If your property has gone up in value, it is worth getting a fresh appraisal because it can significantly increase your home equity. 

Reach your break-even point faster when you refinance 

If you have been making regular and timely payments on your mortgage, chances are that your credit score has increased. If you are not anticipating moving out of the house soon, refinancing and getting a better rate due to your new credit score can save you money and help you make your break-even point faster.

Our recommended lenders for refinancing


AmeriSave Mortgage Corporation is a full-service mortgage lender operating in 49 states and DC. Established in Atlanta in 2002, it has funded 220,000+ homes for a total value of more than $55 billion. AmeriSave is known for offering streamlined online applications with the option of contacting customer support any time you need assistance.

  • Apply and submit forms directly online
  • No SSN needed to get pre-approved rates
  • Recommended for refinancing

AmeriSave Mortgage AmeriSave Mortgage View Rates

 Quicken Loans

Quicken Loans is one of the most reputable mortgage lenders. It offers a large range of mortgage options including refinance loans, FHA, USDA, VA loans, jumbo loans and more.

  • Fast application process
  • A bevy of educational resources
  • Award-winning customer service

Quicken Loans Quicken Loans View Rates

The bottom line about refinancing: 

If your financial situation has changed since you signed for your mortgage, refinancing might be able to save you money in a number of different ways. Compare your refinance offers today.