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Empowering over 1,000,000 Users Since 2017
Our Mortgage Loan Experts Give AmeriSave 5 Stars
My Rating: Excellent
Over 1,392 ratings in the past 90 days!
1
best choice
15-Year Fixed APR*:
100+ users chose AmeriSave today
  • Get a customized rate quote in 3 mins
  • No SSN needed for pre-qualification
  • Pre-qualify without a ‘hard’ credit pull
  • LOW Refinance Rates
100+ users chose AmeriSave today
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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
* ⓘ Based on internal survey data from 3/20/16 – 3/20/18.
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Our Mortgage Loan Experts Give Credible 5 Stars
My Rating: Excellent
Over 349 ratings in the past 90 days!
2
Credible
VIEW RATES visit Credible
VIEW RATES visit Credible
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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*
*This page contains an advertisement from a third-party advertiser, Credible Operations, Inc., which is licensed as a mortgage broker in some, but not all, states (see https://www.credible.com/a/mortgage/licenses). Information contained herein is provided for illustrative purposes only, without any representations or warranty as to its accuracy or applicability to you. All credit requests are subject to review and approval, and your actual loan terms will depend on your financial situation. Credible Operations, Inc. is solely responsible for the content of its advertisement and the services it provides.
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Our Mortgage Loan Experts Give New American Funding 4.5 Stars
My Rating: Excellent
Over 19 ratings in the past 90 days!
3
New American Funding
VIEW RATES visit New American Funding
  • 100% online application available
  • Historically low interest rates, fast service
  • No login, no registration required
VIEW RATES visit New American Funding
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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
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Our Mortgage Loan Experts Give Home Equity Quiz 4 Stars
My Rating: Excellent
Over 3,930 ratings in the past 90 days!
4
HomeEquityQuiz
VIEW RATES visit HomeEquityQuiz
  • Easy way to Get Rates
  • Credit Needed: 600+ Fico
  • Loan Term: 10 - 40 Years
VIEW RATES visit HomeEquityQuiz
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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
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Our Mortgage Loan Experts Give RefiRateGuide 2.5 Stars
My Rating: Excellent
Over 103 ratings in the past 90 days!
5
RefiRateGuide
VIEW RATES visit RefiRateGuide
VIEW RATES visit RefiRateGuide
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RefiRateGuide 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
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Best Overall Choice:

Our Mortgage Loan Experts Give AmeriSave 5 Stars
My Rating: Excellent
Over 1,392 ratings in the past 90 days!
1
best choice
15-Year Fixed APR*:
100+ users chose AmeriSave today
  • Get a customized rate quote in 3 mins
  • No SSN needed for pre-qualification
  • Pre-qualify without a ‘hard’ credit pull
  • LOW Refinance Rates
100+ users chose AmeriSave today
Expand details
Expand details

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
* ⓘ Based on internal survey data from 3/20/16 – 3/20/18.
More info

The Best Overall Mortgage Lender for 2021

Overall, AmeriSave takes the #1 spot for mortgage loans and mortgage refinance for 2021. You can get your customized rate quote in 3 minutes, for free.

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%

Data according to Freddie Mac

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 reccomend 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, if you don’t think finalizing your mortgage loan now, you’ll likely miss out, because rates cant stay at 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:

Our Mortgage Loan Experts Give AmeriSave 5 Stars
My Rating: Excellent
Over 1,392 ratings in the past 90 days!
1
best choice
15-Year Fixed APR*:
100+ users chose AmeriSave today
  • Get a customized rate quote in 3 mins
  • No SSN needed for pre-qualification
  • Pre-qualify without a ‘hard’ credit pull
  • LOW Refinance Rates
100+ users chose AmeriSave today
Expand details
Expand details

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
* ⓘ Based on internal survey data from 3/20/16 – 3/20/18.
More info
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