Jason Ruedy, known as The Home Loan Arranger, is a Colorado mortgage expert with over three decades of experience helping Americans achieve homeownership and financial stability. His client-focused ...

Mortgage Research Center. The average rate on a 15-year mortgage refinance is 5.15%. On a 20-year mortgage refinance, the ...

Rising home values have led to significant equity gains over the past few years. As of 2025, homeowners hold an aggregate of over $30 trillion. A cash-out refinance allows you to tap into your home ...

Compare today’s best mortgage refinance rates, compiled from hundreds of loan offers and analyzed by Investopedia’s mortgage rate experts.

After years of elevated borrowing costs, homeowners finally began to see some relief in late 2025. The Federal Reserve's December rate cut, the third of the year, capped off a series of moves that ...

Mortgage Research Center. The 15-year, fixed-rate refinance mortgage average rate is 5.15%. For 20-year mortgage refinances, the average rate is 6%. Related: Compare Current Refinance Rates 30-Year Fi ...

Accessing the equity in your home can help you move forward on your financial goals, whether you're planning major renovations, consolidating high-interest debt, or building long-term stability.

For many homeowners, refinancing sounds like an easy way to save money, lower payments, or free up cash. After all, as interest rates fall, why not replace your existing loan with something cheaper? A ...

A mortgage refinance swaps out your old mortgage with a new one, including a fresh set of terms and interest rate. It may or may not come with financial benefits, depending on your goals and how a new ...