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Best Refinance Mortgage Lenders of April 2021
Lower your monthly mortgage payments
Refinance your mortgage loan and enjoy up-to-date interest rates
Best Refinance Mortgage Lenders of April 2021
Refinance your mortgage loan and enjoy up-to-date interest rates
Best Refinance Mortgage Lenders of April 2021
Last Updated April 2021
Selected mortgage lenders for you
9.8
1
Nation’s largest mortgage lender
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9.4
2
No fees & commissions
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9.1
3
Digital lender with great rates
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Loan Purpose
Refinance
Credit Score
Good (690-719)
+ Filters
Filters
Loan Purpose
Purchase Refinance Home Equity
Credit Score
Excellent (720-850) Good (690-719) Fair (630-689) Poor (350-629)
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
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User Engagement Score
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The User Engagement score is calculated separately based on the user’s device (mobile engagement is scored independently of desktop engagement, for example), and also by the specific type of mortgage loan they are comparing.
The brand’s chart position is influenced by the compensation we receive from such brand. In some cases, this may also impact a brand’s User Engagement score.
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Our Score
9.4
Excellent
Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 17,676 Reviews
4.4
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
8.4
Very Good
Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 296 Reviews
4.4
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8.0
Very Good
Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 6,937 Reviews
4.2
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7.2
Fair
Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 3,249 Reviews
3.6
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8.1
Very Good
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Based on 34 Reviews
4.5
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
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America's largest mortgage lender
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#2 largest non-bank mortgage lender
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Closing in as few as 8 days
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Key figures
Repayment terms
8-30 years
15-30 years
10-30 years
10-30 years
8-30 years
ARM terms
5/1
5/1, 7/1, 10/1
5/1, 7/1, 10/1
3/1, 5/1, 7/1, 10/1
5/1, 7/1, 10/1
Credit Score
620+
620+
620+
620+
620+
Loan Types
Conforming
Jumbo
Loan that exceeds FHA’s conforming limits, usually more than $424,100.
Max $3m
Max $3m
Max $1.5m
Max $2m
FHA
Government-backed loan for borrowers with low credit, with 3.5-10% down payment
VA
Government-backed loan for military personnel and veterans
USDA
Loans backed by Department of Agriculture for rural and suburban homes
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America's largest mortgage lender
Fintech mortgage lender
Digital lender with strong reputation
#2 largest non-bank mortgage lender
Fast-growing independent mortgage lender
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 17,676 Reviews
4.4
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
1
Low Rates
  • America’s largest mortgage lender
  • Real-time updates on loan progress
  • Custom loans to suit your goals
9.4
Excellent
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 296 Reviews
4.4
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
2
  • No fees & commissions
  • Free rate-lock feature
  • Best-rate guarantee
8.4
Very Good
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30 Year Fixed APR: 2.612%
Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 6,937 Reviews
4.2
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
3
  • Get pre-qualified in 3 minutes
  • View rates without hard credit Pull
  • Digital lender with strong reputation
8.0
Very Good
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 3,249 Reviews
3.6
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
4
  • Closure in as little as 8 days
  • Skips paperwork and appraisal
7.2
Fair
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 34 Reviews
4.5
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
5
  • Independent mortgage lender
  • Customizable loan options
  • Flexible repayment terms
8.1
Very Good
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 9,152 Reviews
4.5
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
6
  • America's largest mortgage marketplace
  • Best site for finding low mortgage rates
  • One application, multiple offers
8.0
Very Good
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
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TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
7
  • User-friendly platform
  • Transparent loan options
  • Clear and friendly customer service
7.0
Fair
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 17 Reviews
4.1
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
8
  • Purchase-ready approval in 15 minutes
  • Market-beating rates
  • Mobile-friendly platform
7.6
Good
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 1,153 Reviews
4.6
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
9
  • Apply in minutes and close in weeks
  • No fees other than origination
8.1
Very Good
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Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 4,527 Reviews
4.7
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
10
  • Compare multiple lenders - and close quickly
  • Instantly upload your financial documents
  • Prequalify in just 3 minutes
8.2
Very Good
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Our Top Choice
Our brand scores, which are rated on a scale up to 10, are a sum of the TrustPilot and User Engagement scores
Based on 17,676 Reviews
4.4
TrustPilot is an open, global platform where users write product reviews and assign products a star rating. In the event that a product does not have a TrustPilot score, their score will be based solely on the User Engagement score (see below).
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Best Overall
  • America’s largest mortgage lender
  • Real-time updates on loan progress
  • Custom loans to suit your goals
9.4
Excellent
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Introduction to Mortgage Refinancing
With interest rates near historic lows in 2021, now is the perfect time to consider refinancing your mortgage. A mortgage refinance involves paying off the old loan and replacing it with a new one from a lender of your choice. People refinance for a variety of reasons, including reducing their interest rate, shortening their repayment term, and tapping into home equity to access cash.
The most important thing to know about refinancing is that it involves closing costs, so it only makes sense to refinance if the new interest rate is substantially lower than the old one. In principle, the more time that has elapsed since your initial mortgage began, the wider the gap in interest rates needs to be for a refinance to be profitable. As a rule of thumb, in the early years of a mortgage a 0.75% lower interest rate should be enough to deliver savings, while in the mid-to-late years of the repayment term, a 1-2% lower interest rate is needed. Of course, always do your own calculations before refinancing.
Types of Mortgage Refinancing Products
Standard refinance
A standard refinance follows the same rules as a standard mortgage, with a choice of conventional loan or a government-backed loan such as an FHA loan or VA loan. Basically, you pick the mortgage product that suits you and use it to take out a new loan, replacing your old loan. The maximum loan-to-value (LTV) on a standard refinance ranges from 80-97%, depending on the lender and loan type.
Cash-Out Refinance
A cash-out refinance is when the new mortgage is greater in value than what you owe on the old loan, allowing you to cash out the difference. A cash-out refi can be used for any purpose such as paying off debt, paying tuition fees, making home improvements, or putting money away for a rainy day.
No-Cost Refinance
As mentioned in the intro, refinancing involves 2-6% closing costs, just like a regular mortgage. However, there is the option of not paying closing costs through what’s known as a no-cost refinance. The way it works is that the lender agrees to waive upfront closing costs in return for your commitment to spread the costs over the life of the loan. This is a great way to obtain the benefits of a refinance without having to pay anything now.
Streamline Refinance
A streamline refinance refers to the refinance of an existing FHA streamline loan (a type of FHA mortgage loan requiring limited borrower credit documentation). A streamline refinance reduces the time and costs to get a refinance. To qualify, your original mortgage must have been an FHA loan, the mortgage must be current (not delinquent), and the refinance must result in a benefit to you (by law, the lender cannot put you in a worse position in regards to the interest rate or repayment term).
Our Top Mortgage Lenders
#1
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Pros
  • 100% online application (in most cases)
  • Quick pre-approval and closing times
  • Flexible repayment terms (8-29 years)
Cons
  • No branches
  • Lack of support for self-employed borrowers
  • Your data may be shared across Quicken partners
If you’re looking for an easy and comfortable loan, QuickLoans can help. Not only do QuickenLoans help ensure you get a mortgage that’s right for you to save time, but the platform ensures you are aware of your loans status 24/7 so you can keep track of what is required of you and what has already been done to avoid repeating steps that have already been completed, saving you time and confusion.
#2
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Pros
  • Pre-approval letter in as little as 3 minutes
    • Rate lock in as little as 30 minutes
    • 3-6 weeks to close – faster than industry average
Cons
  • No FHA or VA loans
  • Not available in HI, MA, MN, NV, NH, VT (as of March 2021)
Better.com is a direct lender with a simple online application that can be completed any time, any day of the week. Better.com aims to revolutionize the way Americans get a mortgage – after completing an application, you can access personalized rates, talk to a dedicated non-commissioned Mortgage Expert, generate custom loan estimates, and search for mortgage discounts in your area Better has automated much of the mortgage process. This drastically reduces the cost to originate and allows Better to pass as much of those savings as possible onto the customer and invest in customer satisfaction. Better.com was recently named Best Mortgage Lender for Customer Service by Nerdwallet. Last but not least, rates at Better.com are backed by the Better Price Guarantee, which promises that Better won’t just match a competing price, but beat it by $1,000.
#3
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Pros
  • Offers Fannie Mae 3% down conventional loans
  • Loan experts are on hand to assist at any time
  • Full suite of non-conventional loans
Cons
  • Rates not advertised publicly
  • No weekend phone hours
  • Not licensed in NY
AmeriSave Mortgage Corporation is a direct mortgage lender operating in 49 states and DC. Since 2002, it has financed more than $220,000 homes to the tune of $52 billion in funding. It is known for its competitive rates and streamlined application, with approvals in as quickly as 25 days. It offers a wide range of loans, making it a good choice for anyone looking to purchase a home or refinance their mortgage.
Types of Rates
Fixed-Rate Mortgages
Fixed-rate mortgages are the most common type in mortgage refinancing, and guarantee you a fixed rate for the duration of the loan. When you refinance with a fixed-rate loan, you pay more in year one than you would with an adjustable-rate mortgage. However, you protect yourself from the risk of having to pay a higher rate and higher monthly installments later in life. Given that interest rates are close to all-time lows in 2021, the only direction that rates can realistically go from here is upward – which is why locking in a fixed-rate mortgage is currently a better option than betting on an adjustable rate.
Adjustable-Rate Mortgages
Adjustable-rate mortgages, also known as ARMs or variable-rate mortgages, carry higher risk and higher reward than fixed rates. An ARM is always cheaper than a fixed-rate mortgage in year one, but it carries the risk of higher interest rates in the long-term. ARMs have two components: the number of years the initial rate gets locked in for; and the intervals at which rates get updated. Most lenders offer ARMs of 3/1, 5/1, 7/1, or 10/1. A 3/1 ARM refers to an ARM with a fixed rate for the first three years and a rate update every year after that. The shorter your fixed period, the better your introductory rate (and the riskier the loan). Because of their unpredictable nature, ARMs are best for borrowers with high risk appetite or borrowers who plan on selling the home or paying off the mortgage early.
Average Mortgage Rates for Purchase Loans
Each lender sets its own mortgage refinance rates, with some updating rates on a daily basis. Of course, the market in which the lenders operate is the same for everyone, and all lenders are influenced by the Federal Reserve’s benchmark interest rate, so all lenders tend to fall within a certain range at any given time.
As of April 1 2021, the average mortgage refinance rates were:
  • 3.18% for a 30-year fixed-rate mortgage
  • 2.45% for a 15-year fixed rate mortgage
  • 2.84% for a 5/1 adjustable-rate mortgage
How to Apply for a Mortgage Refinance
Whenever a lender refinances a mortgage, they take on a certain amount of risk because there is never an iron-clad guarantee that the borrower will pay back the entire loan. The best protection for the lender is the property itself, which the lender can seize or foreclose if the borrower defaults on payments. The other way lenders protect themselves is by running a background check on the borrower – much the same as they do when approving a purchase loan.
When assessing your refinance application, the main things a lender will take into account are your credit score, loan-to-value (LTV, amount you owe as a percentage of the current appraised value of the home), and debt-to-income ratio (the monthly payment on your refinanced mortgage and other loans divided by your monthly household income). In order to assess your application, your lender will ask for various documents including social security number, pay stubs and tax returns, and recent bank statements.
What to Look for When Comparing Mortgage Refinance Options
LTV requirements
Loan-to-value (LTV) is as important a factor in refinancing as a down payment is when purchasing. The LTV ratio is a term used by lenders for the ratio of a loan to the value of an asset. If, for example, your home is worth $300,000 according to the current appraisal and you have $270,000 remaining on your old loan, then your LTV will be 90%. In this instance, a lender may offer up to 97% LTV on a cash-out refinance, allowing you to cash out the remaining $21,000. Maximum LTVs can range from 80-97%, so it’s worth comparing LTVs from different lenders.
APR
The monthly payments on a mortgage refi have two components: principal, as in the amount remaining on your loan, and interest, as in the money the lender collects for providing the loan. Your APR, or annual percentage rate, consists of the interest rate plus certain other lender fees. The lower the interest rate / APR, the lower your monthly payments to the lender.
Terms
When you refinance a mortgage, you can start your repayment term over again with a 30-year term or you can go for a shorter term if you prefer. If your financial position is better than when you took out your original loan, then one of the main benefits of refinancing is that it allows you to shorten your repayment term – putting you on track to owning 100% of your home sooner.
Closing costs
Like a purchase loan, closing costs for refinancing are the fees and charges owed to the lender when the loan begins and usually range from 2-6% of the loan value. Therefore, if you refinance for a loan amount of $300,000 and your closing costs are 3%, you’ll owe the lender $9,000 in upfront fees. Closing costs may include origination fees, property appraisal, title fees, taxes, and various other costs – some of which go directly to the lender and some which the lender collects on behalf of third parties. Closing costs vary from lender to lender, so knowing each lender’s approximate closing costs can assist you in doing a proper comparison.
Ease of application
Gone are the days when you had to walk into a physical branch to apply for a mortgage refinance. These days, the best mortgage lenders let you apply for a refinance online online, sometimes through a fully automated online mortgage platform and other times with phone assistance from a loan agent. If convenience is important to you, then keep an eye out for digital-friendly lenders.
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Fed’s Near-Zero Rate Decision Means Cheaper Mortgages Probably on the Way
Surprisingly, mortgage rates went up immediately after the Federal Reserve slashed the benchmark interest rate to near-zero on March 15. This was probably just a temporary bounce, and in all likelihood mortgage rates will quickly begin moving downward again. In otherwise difficult times, low mortgage rates will bring cheer to people hoping to buy or refinance
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Find the Best HARP Loans Lender
If you find yourself unable to refinance your mortgage because your home is falling in value, then there is a federal government program designed to assist you: the Home Affordable Refinance Program (HARP).
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Answering the What, How and Why of Home Equity Loans
Is it a mortgage? Or is it a personal loan? If you’ve been searching the market for a loan, you’ve probably come across the home equity loan.
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An estimated 20 million Americans live in mobile homes, and not all of them fit the overplayed stereotype of being poor. According to the most recent U.S. Census, there were 8.5 million mobile homes scattered throughout the country. Around 57% of these homes were occupied by at least one person in full employment, and an additional 23% were occupied by retirees.
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10 Factors You Should Consider When Choosing Your Mortgage Loaner
If there is one thing that I have learned over my time, it’s that unless you’re a banker or a mortgage loaner, you probably don’t understand everything there is to know about mortgages. In fact, I’m willing to bet that you’re here because you’re looking for a mortgage loaner and aren’t sure where to start. This is where this guide comes in. When it comes to finding a mortgage loaner, it’s important to think everything through properly, which is difficult when you aren’t sure where to begin – so here are our top 10 things you should consider when choosing a mortgage loaner.
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What is The Right Time To Refinance Your Mortgage?
If you’ve been weighing up whether or not to pay off your existing loan and replace it with another one, also known as refinancing your mortgage, then our handy guide is here to help. Sometimes refinancing sounds like a good idea on paper, but in reality it’s not always possible or practical. Lenders are tightening up their rules and regulations, making it more difficult to acquire a loan, so we’ve put together a complete guide to help you decide whether it’s the right time to refinance.
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Whether it’s your very first home, or you’re moving for the third time in your life, moving house is always an exciting process. Amongst all of the giddiness though, there is usually a lot of stress involved. We all know that mortgages aren’t cheap, and that if we want to be able to cope with the monthly payments, we have to choose the right one for our needs and lifestyle. In 2017, homebuyers are left with a very difficult decision, as there are numerous types of mortgage loans on the market, all offering something unique but useful. If you’re amongst the thousands who are struggling to make a final decision, hopefully this in depth guide will help you to identify the right mortgage loan for you.
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Why Credit Score Matters in Mortgage Applications
In most cases, maintaining a strong credit score is the most important thing you can do to ease your mortgage application process. You credit score and report help your lender determine your ability to pay back your home loan. Therefore, your lender will take into account your score and report when assessing whether to offer you a mortgage loan and when calculating your rate and terms.
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