Trusted & Secure
- 100% online application available
- Historically low interest rates, fast service
- No login, no registration required
New American Funding Highlights
- Click "VIEW RATES" to get your mortgage refinance rate on New American Funding's secure site
- Over $45 billion in home loans
- Minimum credit score of 620 to qualify
- Purchase, Refinance, Home Equity, Reverse, Jumbo, Fixed, Adjustable, FHA, VA, USDA
- Fully online process, fast and easy
- No SSN or login registration required to get pre-qualified
- Personalized rate quote in minutes
- 20+ years in business, A+ BBB Rating
- Online application or live agents available
WesLend Financial Highlights
- Click "VIEW RATES" to get your mortgage refinance rate on WesLend Financial's secure site
- NO CLOSING COSTS, NO FEES
- Conventional, Jumbo, Fixed, ARM, FHA, VA, Non-QM
- Get Your Personalized Rate Quote in Minutes
- Cash Out, Pay Off Credit Cards, Pay College Tuition
- 100% Online Mortgage Loan Application Available
- Fast way to check refi rates
- Free, no-obligation mortgage calculators
- Top-rated business for 11+ years
LoanDepot Highlights
- Click "VIEW RATES" to get your mortgage refinance rate on LoanDepot's secure site
- LoanDepot is one of the largest mortgage lenders, with over 6,000 employees nationwide
- While you won't need your social security number to get started, you will generally need a 620+ credit score to qualify for a refinance offer
- Refinance, Jumbo, Fixed, Adjustable, FHA, VA loans available
- Fully refinance in as little as 8 days
- No SSN or login registration required to get pre-qualified
(800)-411-2607
- Get a customized rate quote in 3 mins
- No SSN needed for pre-qualification
- Pre-qualify without a ‘hard’ credit pull
- LOW Refinance Rates
(800)-411-2607
AmeriSave Highlights
- Click "VIEW RATES" and Compare Refinance Rates in 3 Minutes on AmeriSave Without Affecting Your Credit Score
- Direct Mortgage Lender Operating in 49 States and DC
- 228763+ Homes Financed
- 94% Of Our Customersⓘ Say They Would Recommend AmeriSave To Their Friends and Family.
- Get a Customized Rate Quote, Not Estimates
- No SSN Required to Get Prequalified
- Personalized lender rates
- No credit score impact to check rates
- No spam or sales calls
Credible Highlights
- Click "VIEW RATES" and Compare Prequalified Rates in 3 Minutes on Credible Without Affecting Your Credit Score
- Compare Multiple Lenders and Loans
- Complete the Entire Process from Rate Comparison up to Closing, all on Credible.
- Smart Technology: We Streamline the Questions you Need to Answer and Automate the Document Upload Process.
- Multiple Lenders, Fixed Rates, Adjustable Rates, Secured with 256-bit Encryption
- NMLS #1681276, Not Available in All States*
- 15 and 30-year terms available
- Custom rate and payment plans
- Dedicated member support
Credible Highlights
- Click "VIEW RATES" to get started on Figure's secure website without affecting your credit score
- Jumbo loans available
- Over $1.5 billion in equity unlocked for homeowners
- Easily see your rate in a few clicks with our 100% online application
- Lock in a low rate with new ways to save
- NEW! 15-year mortgage refinance option available
- Easy way to Get Rates
- Credit Needed: 600+ Fico
- Loan Term: 10 - 40 Years
HomeEquityQuiz Highlights
- Click "GET MY RATE" to find your unique mortgage refinance rate on HomeEquityQuiz's secure site
- Completely Free to Use Secure Online Refinance Form
- No Social Security Number Required
- One of the Most Popular Refinance Sites for Mortgages
- 1,000,000+ Satisfied Users Every Year
- Easy & Efficient Process Saves Time
Best Overall Choice:
- 100% online application available
- Historically low interest rates, fast service
- No login, no registration required
New American Funding Highlights
- Click "VIEW RATES" to get your mortgage refinance rate on New American Funding's secure site
- Over $45 billion in home loans
- Minimum credit score of 620 to qualify
- Purchase, Refinance, Home Equity, Reverse, Jumbo, Fixed, Adjustable, FHA, VA, USDA
- Fully online process, fast and easy
- No SSN or login registration required to get pre-qualified
The Best Overall Mortgage Lender for 2021
Additional Standout Mortgage Refinance Companies
1. New American Funding
- Best for: Fast, honest, and fair mortgage refinancing
- Impact to Credit Score to check rates: None
- Time it takes to get rates: 2 minutes
New American Funding offers a simple, fast, and easy way to refinance your mortgage 100% online.
View New American Funding Offers
2. Credible
- Best for: No spam calls, sales calls, or unwanted emails
- Impact to Credit Score: None
- Time it takes to get rates: 2 minutes
Credible is another great way to begin your mortgage refinance process in 2021. There are no fees, and what sets Credible apart from other loan companies is that they never sell your information or bombard you with unwanted marketing calls or emails. If you have any questions at all, Credible is standing by to help with your mortgage refinance request.
Learn more about Credible’s unique take on mortgage refinancing or Visit Credible to get your refi rate.
Average Annual Mortgage Rate Chart
| Year | Average 15-Year Mortgage Rate |
|---|---|
| 2021 | 2.20% |
| 2020 | 2.61% |
| 2019 | 3.39% |
| 2018 | 4.00% |
| 2017 | 3.38% |
| 2016 | 2.93% |
This table shows the annual average 15-year rate fixed mortgage for each of the following years dating back to 2016. Due to historically low mortgage rates, experts recommend locking in your rate soon, because rates can’t stay this low forever.
About 15-Year Mortgage Loan Rates
Recently, the US Federal Reserve cut Federal interest rates to almost 0.00%. This is amazing news for anyone looking to take out a mortgage or refinance.
How Do Mortgage Rates Work?
In the simplest terms, mortgages are basically large loans from banks or financial institutions. It’s just another way to borrow money.
For example, if you borrow $200,000 at 3.00% APR, you will pay approximately $6,000 per year for the ability to have $200,000 to purchase a house to live in. This is why mortgage rates are so important, because the higher your mortgage rate, the more money you will pay in the long-run.
What 0.00% Federal Interest Rates Mean for Homeowners
If you have a mortgage, now is a great time to refinance your mortgage. Rates are at a historic low. Realistically, rates really can’t go any lower; they can only go up from here.
Simply put, at this point in time, because Federal interest rates are so low, if you don’t think about locking in your mortgage loan now, you’ll likely miss out, because it is unlikely for rates to stay near 0% for ever.
Any Fees to Check Rates?
No! Checking your mortgage rates is totally free! We only feature companies on this page that are 100% free to check your rate with.
There’s no harm to see if you qualify for a mortgage loan rate today.
Checking your rate will also NOT affect your credit score.
Which Mortgages are Eligible for Refinancing?
Virtually any mortgage is eligible to be refinanced. There is also no limit on the amount of times you can refinance your mortgage. Common types of mortgages include:
- Fixed rate mortgages
- Adjustable rate mortgages
- VA mortgages
- Jumbo mortgages
About Mortgage Refinancing
When getting a mortgage loan for the first time, depending on your mortgage broker, you may have paid a small fee. However, for refinancing your mortgage, there is never any fee.
Will Getting My Rates Affect My Credit Score
No! There is no impact to check your mortgage loan rate with any company on this page. A lot of the companies on this page also offer cash-out refinancing, where you can take out a cash loan of $1,000 to $100,000 against your home at extremely low interest rates.
Best Overall Choice:
- 100% online application available
- Historically low interest rates, fast service
- No login, no registration required
New American Funding Highlights
- Click "VIEW RATES" to get your mortgage refinance rate on New American Funding's secure site
- Over $45 billion in home loans
- Minimum credit score of 620 to qualify
- Purchase, Refinance, Home Equity, Reverse, Jumbo, Fixed, Adjustable, FHA, VA, USDA
- Fully online process, fast and easy
- No SSN or login registration required to get pre-qualified
