Best Mortgage Refinance Rates in 2025 (USA Update)

If you're a homeowner looking to save money, now may be the perfect time to refinance. With interest rates fluctuating, knowing the latest mortgage refinance rates can help you lock in a better deal.

Top Mortgage Refinance Lenders

• Rocket Mortgage – Fast online process, great customer reviews
• Better Mortgage – No commission, fully online
• loanDepot – Refinance options for VA and FHA loans

Refinance Tools You Should Use

• Home refinance calculator – See your new monthly payment
• No closing cost refinance – Avoid big upfront fees
• Refinance FHA loan – Government-backed options for lower credit scores

When Should You Refinance?

• Your current rate is 1% higher than market rate
• You want to switch from an ARM to a fixed-rate loan
• You want to cash out home equity

Conclusion

Always compare multiple lenders and use tools to find the best mortgage refinance rates. Even a 0.5% lower rate could save you thousands in the long term.