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Accurate as ofMay 9th 2025

Best Mortgage Refinance Rates 2025

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.

Which refinance lender is right for you?
Which refinance lender is right for you?
rocket-mortgage logo image
NMLS #3030
9.6
BestMoneyscore
TrustPilot Score
Based on 36494 User Reviews
4.7
Brand Reputation
Based on web trends
4.9

Rocket Mortgage

Find mortgage refinancing that works for you
8- to 30-year fixed-rate loans
Speedy app for customer service
Speedy document and asset retrieval
Get today's home loan rates
View Rates
36,494Reviews
amerisave logo image
NMLS #1168
9.3
BestMoneyscore
TrustPilot Score
Based on 14957 User Reviews
4.6
Brand Reputation
Based on web trends
4.7

AmeriSave Mortgage

Get refinance quotes and pre-qualify quickly
Refinance & home equity loans – Cash Out
Low rates: Quick Quote and Approval
Rate lock protection, lock now before rates go up
Over $100 billion funded. 21 years in business
14,957Reviews
new-american-funding logo image
NMLS #6606
9.6
BestMoneyscore
TrustPilot Score
Based on 1230 User Reviews
4.8
Brand Reputation
Based on web trends
4.8

New American Funding

Now is the time for a cash-out refinance
Competitive rates for FICO scores 580-679
Pay off debt & high-interest credit cards
Simplified hassle-free experience
Live agents & online application available
855-276-1408
1,230Reviews
sage-mortgage logo image
NMLS #3304
8.8
BestMoneyscore
TrustPilot Score
No reviews yet
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Brand Reputation
Based on web trends
4.4

Sage Home Loans Corporation

Low rates, fast closing, premium service
Unlock cash from your home today
Get pre-qualified in minutes
Look to lower your rate today
100% online application
quicken-loans logo image
NMLS #167283
9.1
BestMoneyscore
TrustPilot Score
Based on 20209 User Reviews
4.3
Brand Reputation
Based on web trends
4.8

Quicken Loans

Unlock cash from within your home
Get rates from our providers
Powerful home equity solutions
Connect with lenders for $0
100% online experience
20,209Reviews

21,426 users

picked a lender via BestMoney this week

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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.
TrustPilot Score
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

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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.

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.


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.