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4.04% APR
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Accurate as ofJan 19th 2022

Best Mortgage Refinance Rates 2022

Last call for low refinance rates!

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?

Credit Score
  • Excellent (720-850)
  • Good (690-719)
  • Fair (630-689)
  • Poor (350-629)
Loan Amount
  • Up to $100K
  • $100K-$250K
  • $250K-$400K
  • $400K and up
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BestMoney measures user engagement based on the number of clicks each listed brand received in the past 7 days. The number of clicks to each brand will be measured against other brands listed on the same page and device (desktop, mobile, or tablet). Therefore, the higher the share of clicks a brand receives, the higher the Click Trend Score. BestMoney accepts advertising compensation from companies, which impacts their (and/or their products’) position, and in some cases, may also affect their Click Trend Score.

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BestMoney’s editorial team researches and reviews financial products based on factors such as: range of products and services offered, ease-of-use, online accessibility, customer service, special awards, and more. Each brand is then given a score based on the offerings in each parameter. The specific parameters which we use to evaluate the score of each product can be found on its review page, which is updated every 3 months. If the editorial team cannot locate information relevant to a brand's Products & Services Score, it will not be included in its calculation.

Editorial Reviews

AmeriSave Mortgage

AmeriSave Mortgage

Read review
Credible

Credible

Read review
Quicken Loans

Quicken Loans

Read review
LoanDepot

LoanDepot

Read review
PennyMac

PennyMac

Read review
Read all reviews
Our Top Choice
Most Popular on This Website
AmeriSave Mortgage
AmeriSave Mortgage
Get a customized rate quote in 3 minutes
30-Year fixed APR: 3.252% NMLS #1168. Rates Effective 01/18/2022. See site for details.
  • No SSN needed for pre-qualification
  • Pre-qualify without a hard credit pull
  • Low refinance rates
  • Find a quote easily

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

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.