Refinance to get the cash you need when you need it
Find out how much you can get in less than 1 minute with no commitment.
No SSN required. Zero impact to credit. Your information is never sold.
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We shop these and 50+ other top wholesale lenders to get you the best rate and terms on your home loan.
We simplify refinancing to help you maximize your home equity
Assess Equity
Evaluate home value and equity for refinancing.
Choose Your Refi Path
Compare loans and rates for the best solution.
Finalize Your Refinance
Navigate application, appraisal, and approval.
Enjoy Your Money
From reducing monthly payments to funding home improvements.
Refinance smarter & faster with Rate Rebel's expert guidance and seamless process
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Fixed-Rate Mortgages
Secure your future with consistent monthly payments. A fixed-rate mortgage offers peace of mind, locking in your interest rate for the entirety of your loan term, making budgeting for your new home straightforward and predictable.
Government-Backed Loans
Explore loans with more flexible qualification criteria. FHA, VA, and USDA loans provide opportunities for first-time homebuyers, veterans, and those looking to buy in rural areas, often requiring lower down payments and offering favorable terms.
Adjustable-Rate Mortgages
Capitalize on lower initial rates with an adjustable-rate mortgage. Ideal for those planning shorter stays in their homes, these loans adjust their interest rates periodically, based on current market trends, potentially lowering your payments at the outset.
Unlock your home's potential with our tailored refinancing solutions
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Streamlined Process
Refinance effortlessly. Our streamlined process ensures a hassle-free path to savings.
Simplified Application
No need for complex paperwork. We make applying for a mortgage straightforward and clear.
Support Anytime
Our team is always here to help, providing support whenever you need it, day or night.
Embark on your refinancing journey now!
Uncover the ease of unlocking your home's equity with our personalized refinancing solutions.
Take a look at what our clients are saying
“The best place to get your loan.”
Finding the best place to get your loan seemed daunting at first, but Rate Rebel made it simple. Their support and clear guidance throughout the process were unmatched. Truly grateful for making my home buying experience so positive.
Sophie Mooresfield
Encinitas, CA Homebuyer
"Effortless mortgage process with five-star service."
I never imagined securing a mortgage could be so effortless. This is absolutely the best place to get your loan. The staff were friendly, knowledgeable, and always available to answer my questions. A five-star experience from start to finish!
Johnathon Carter
Orange County, CA Homebuyer
“Personalized service that makes a huge difference.”
Choosing this company as the best place to get your loan was the best decision I made in my home-buying journey. Their attention to detail and personalized service made all the difference. I felt supported every step of the way.
Kathie Corl
Del Mar, CA Homebuyer
What does it mean to refinance a mortgage?
Refinancing a mortgage means replacing your existing home loan with a new one, often with different terms, interest rates, or loan amounts. Homeowners typically refinance to lower their monthly payments, reduce their interest rate, change their loan term, or access their home equity.
When should I consider refinancing my mortgage?
You should consider refinancing when interest rates are lower than your current rate, when your credit score has improved significantly, or when you need to change your loan term or access your home equity. It's also a good idea to refinance if you have an adjustable-rate mortgage (ARM) and want to switch to a fixed-rate loan for more stability.
How much does it cost to refinance a mortgage?
Refinancing costs typically range from 2-6% of the loan amount, depending on factors such as the lender, loan type, and location. These costs may include application fees, appraisal fees, origination fees, and closing costs. Some lenders offer "no-closing-cost" refinances, but these often come with higher interest rates.
What credit score do I need to refinance my mortgage?
The credit score requirements for refinancing are similar to those for purchasing a home. In general, you'll need a credit score of at least 620 for a conventional loan refinance. However, a higher credit score (e.g., 740 or above) will typically result in better loan terms and lower interest rates.
How long does the refinancing process take?
The refinancing process typically takes 30-45 days from application to closing, although this can vary depending on the lender, loan type, and your individual circumstances. The process includes steps such as loan application, documentation, appraisal, underwriting, and closing.
How do I know if refinancing is right for me?
To determine if refinancing is right for you, consider your financial goals and current situation. If you can secure a lower interest rate, reduce your monthly payments, or pay off your loan faster, refinancing may be a good choice. However, be sure to factor in the costs of refinancing and how long you plan to stay in your home. It's best to consult with a financial advisor or mortgage professional to help you make an informed decision.
