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Our Mortgage Loan Experts Give LoanDepot 2 Stars
My Rating: Excellent
Over 100,489 ratings in the past 90 days!
1
our #1 pick
2nd Largest Non-Bank Refi Lender
Over 915 people chose this site today
VIEW RATES visit LoanDepot
Over 915 people chose this site today
VIEW RATES visit LoanDepot
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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
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Our Mortgage Loan Experts Give Rocket Mortgage 5 Stars
My Rating: Excellent
Over 389 ratings in the past 90 days!
2
America’s largest mortgage lender*
VIEW RATES visit Rocket Mortgage
VIEW RATES visit Rocket Mortgage
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Rocket Mortgage Highlights

  • Click "VIEW RATES" to start your new home loan process with Rocket Mortgage by QuickenLoans

  • 24 hour access to your loan online and on the Rocket Mortgage app

  • Top-rated lender in customer satisfaction in the U.S

  • With over 35 yers of experience, Rocket Mortgage & Quicken Loans have helped over 5 million home owners close on their mortgage
  • See how much you qualify for and at what rate, all online or from your phone

  • Conveniently upload necessary documents to complete your mortgage approval into your free Rocket Account

  • Rocket Mortgage is an easy-to-use digital lender that will tell you how much you qualify for in minutes
* *Based on Rocket Mortgage data in comparison to public data records.
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Our Mortgage Loan Experts Give QuickenLoans 4.5 Stars
My Rating: Excellent
Over 1,201 ratings in the past 90 days!
3
Top-rated lender for 35+ years*
VIEW RATES visit QuickenLoans
VIEW RATES visit QuickenLoans
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QuickenLoans Highlights

  • Click "VIEW RATES" and compare refinance rates with QuickenLoans without affecting your credit score

  • Founded in 1985, QuickenLoans is the nation's largest mortgage lender

  • Live chat & phone support available 7 days a week to help with your refinance process
  • Award winning customer service

  • Must have good credit (typically a FICO score of 620 or higher)

  • View today's refinance rates for a variety of home loans
* Based on Rocket Mortgage data in comparison to public data records.
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Our Mortgage Loan Experts Give AmeriSave 3.5 Stars
My Rating: Excellent
Over 15,392 ratings in the past 90 days!
4
Visit AmeriSave for Current Rates
VIEW RATES visit AmeriSave.

(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
VIEW RATES visit AmeriSave.

(800)-411-2607
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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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Best Overall Choice:

Our Mortgage Loan Experts Give New American Funding 5 Stars
My Rating: Excellent
Over 200,041 ratings in the past 90 days!
1
our #1 pick
A+ BBB rating, 218K+ reviews
1,254+ users chose this site today
VIEW RATES visit New American Funding

(855)-440-1361
  • 100% online application available
  • Historically low interest rates, fast service
  • No login, no registration required
1,254+ users chose this site today
VIEW RATES visit New American Funding

(855)-440-1361
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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
More info

The Best Overall Mortgage Lender for 2022

Overall, QuickenLoans takes the #1 spot for mortgage refinancing in 2022. You can start your mortgage refinance process on QuickenLoan’s secure website.

Other Top-rated Mortgage Refi Company New American Funding Our Partner

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

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 recommend locking in your rate soon, because rates can’t stay this low forever.

About Mortgage Loans

Recently, the US Federal Reserve set Federal interest rates to almost 0.25%. This is amazing news for anyone looking to take out a mortgage or refinance.

How Do Mortgages 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, experts say now is a good time to lock in low refinance rates. Relatively speaking, rates are still near a historic low. Realistically, with the Federal Reserve’s FOMC forecast, rates are going to rise for the next 6 months, so not locking in low rates now could cost you in the future.

Simply put, at this point in time, because Federal interest rates are still 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 0.25% forever.

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

Mortgage refinancing can lower your monthly mortgage payments by reducing the amount you’ll owe in interest every month. Although there might be some minor fees for refinancing with some lenders, if you reduce your interest rate, you’ll likely save more money every month.

Because interest rates are so low, mortgage experts recommend refinancing now.

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 New American Funding 5 Stars
My Rating: Excellent
Over 200,041 ratings in the past 90 days!
1
our #1 pick
A+ BBB rating, 218K+ reviews
1,254+ users chose this site today
VIEW RATES visit New American Funding

(855)-440-1361
  • 100% online application available
  • Historically low interest rates, fast service
  • No login, no registration required
1,254+ users chose this site today
VIEW RATES visit New American Funding

(855)-440-1361
Expand details
Expand details

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
More info
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