CINXE.COM

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Check rates today to learn more about the latest 30-year refinance rates."><meta name="Category" content="mortgages"><meta name="pageuuid" content="7d7cc0a5-76cf-4339-b789-26221039e920"><meta name="ContentSrc" content="sb:188519680"><meta name="PageType" content="rates-results"><link rel="canonical" href="https://www.bankrate.com/mortgages/30-year-refinance-rates/"><meta name="robots" content="index, follow"><meta property="og:title" content="30-Year Refinance Rates | Compare rates today | Bankrate.com"><meta property="og:description" content="Compare 30-year refinance rates and choose your preferred lender. 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It has a set rate, which keeps your principal and interest payments stable. Refinancing with a 30-year loan lets you pay off and replace your existing loan with a new, longer-term loan and a different rate. There are several reasons to refinance into this type of loan, including reducing your monthly payment, lowering your mortgage rate or changing the type of loan you currently have."}},{"@type":"Question","name":"How are 30-year mortgage refinance rates set?","acceptedAnswer":{"@type":"Answer","text":" To determine your mortgage rate, lenders will review your credit score, payment history, savings, income, and other aspects of your financial life. Lenders want to ensure that you are not a risky borrower, and that you are unlikely to default on your loan. These qualifying factors are within your control, but you won’t be able to control external factors that influence your mortgage rate, such as inflation. Rates have now topped 6 percent, their highest level since 2008, partly as a result of inflation. In addition, the Federal Reserve has implemented a historic series of hikes to their key benchmark borrowing rate, which have indirectly shifted mortgage rates upwards. "}},{"@type":"Question","name":"What is the difference between 15-year and 30-year refinance rates?","acceptedAnswer":{"@type":"Answer","text":"15-year refinance rates are typically lower than 30-year refinance rates. As a result, you’ll pay significantly less in interest over the life of the loan if you choose a 15-year loan. 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'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts" > Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts" > Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts" > Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts" > Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link" > Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link" > All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link" > Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link" > Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates" > Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates" > Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates" > Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates" > Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link" > CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link" > CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link" > CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link" > CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link" > Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link" > Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link" > How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link" > MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Banks subcategory CTA" data-position="1" data-text="Best bank bonuses" data-outcome="send to link" data-category="Banking"> Best bank bonuses</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/awards/2024/best-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="1" data-text="Best banks of 2024" data-outcome="send to link" > Best banks of 2024</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/best-online-banks/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="2" data-text="Best online banks" data-outcome="send to link" > Best online banks</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="3" data-text="Bank reviews" data-outcome="send to link" > Bank reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/federal-reserve/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Banks subcategory featured link" data-position="4" data-text="Federal Reserve news " data-outcome="send to link" > Federal Reserve news </a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/capital-one/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="1" data-text="Capital One review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d50369eb56/capital-one-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Capital One review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Capital One Bank</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/reviews/marcus/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Banks subcategory link" data-position="2" data-text="Marcus review" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d121fa8bad/marcus-review.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Marcus review</span> <span class="SiteNavFeaturedLink-supportText">Our take on Marcus by Goldman Sachs</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - desktop nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link" > Explore all banking resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-2" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/mortgages/" data-js-selector="siteNavCategorylink2" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 2, 7);" @keydown.right.prevent="keydownCategory('right', 2, 7);" @keydown.left.prevent="keydownCategory('left', 2, 7);" @keydown.down.prevent="keydownCategory('down', 2, 7);" @keydown.up.prevent="keydownCategory('up', 2, 7);" @keydown.home.prevent="keydownCategory('home', 2, 7);" @keydown.end.prevent="keydownCategory('end', 2, 7);" @keydown.space.prevent="keydownCategory('space', 2, 7);" @keydown.enter.prevent="keydownCategory('enter', 2, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="2" data-text="Mortgages" data-outcome="send to mortgages hub" > <span class="SiteNavCategory-label"> Mortgages</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-mortgages" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="2" data-text="Mortgages" data-outcome="open default mortgages container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="mortgages-tablist" class="SiteNavSubcategory-categoryTitle"> Mortgages</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="mortgages-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Purchase" data-position="1"> Purchase<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Refinance" data-position="2"> Refinance<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Real estate" data-position="3"> Real estate<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/mortgages/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Mortgages hub link - mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link" > Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates" > Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates" > 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates" > 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates" > VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link" > Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link" > Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link" > Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link" > Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link" > Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target="" > Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target="" > Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" > 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="1" data-text="Mortgage refinance calculator" data-outcome="send to link" > Mortgage refinance calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/refinance-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="2" data-text="Best refinance lenders" data-outcome="send to link" > Best refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/cash-out-refinance-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="3" data-text="Best cash-out refinance lenders" data-outcome="send to link" > Best cash-out refinance lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinancing/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory featured link" data-position="4" data-text="Mortgage refinance resources" data-outcome="send to link" > Mortgage refinance resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-does-refinancing-a-mortgage-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="1" data-text="How to refinance your mortgage" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1442x1440/d475e14a0e/home-equity-lender-reviews-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to refinance your mortgage</span> <span class="SiteNavFeaturedLink-supportText">12 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/cash-out-refinancing/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Refinance subcategory link" data-position="2" data-text="Cash-out refinancing guide" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Cash-out refinancing guide</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Buying & selling</p> <p class="SiteNavTopicOverview-copy">Find an expert who knows the market. Compare trusted real estate agents all in one place.</p> <a href="/real-estate/agents/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory CTA" data-position="1" data-text="Find an agent" data-outcome="send to link" data-category="Mortgages"> Find an agent</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/real-estate/new-house-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Real estate subcategory featured link" data-position="1" data-text="Home affordability calculator" data-outcome="send to link" > Home affordability calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/real-estate/cost-of-living-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024" > Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards" > Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards" > Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards" > Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards" > Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards" > Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards" > Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards" > Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link" > Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link" > Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link" > Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link" > Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link" > Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link" > Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link" > Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link" > All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101" > Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice" > Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards" > Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice" > Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice" > Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice" > Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice" > Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link" > Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link" > Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link" > Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub" > <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container" > <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title><path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"/></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link" > Explore all loans resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans" > Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit" > Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans" > Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans" > Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link" > Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link" > Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link" > Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link" > Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target="" > Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" > Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" > Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link" > Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link" > Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link" > Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="4" data-text="Auto loan refinancing guide" data-outcome="send to link" > Auto loan refinancing guide</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/how-to-get-the-best-auto-loan-rate/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="1" data-text="How to get the best auto loan rate" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/d1a328a134/auto-loan-refinancing-guide-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get the best auto loan rate</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/auto-loans/what-is-an-auto-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory link" data-position="2" data-text="Auto loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/720x720/c481afa0d2/auto-loan-refinancing-guide-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto loan basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Student loan rates" data-outcome="send to Student loan rates" > Student loan rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/refinance-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Student loan refinancing rates" data-outcome="send to Student loan refinancing rates" > Student loan refinancing rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/private-student-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best private student loans" data-outcome="send to Best private student loans" > Best private student loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/student-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best bad credit student loans" data-outcome="send to Best bad credit student loans" > Best bad credit student loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="1" data-text="Student loan resources" data-outcome="send to link" > Student loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="2" data-text="Student loan lender reviews" data-outcome="send to link" > Student loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="3" data-text="Student loan calculator" data-outcome="send to link" > Student loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/student-loans/student-loan-refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Student loans subcategory featured link" data-position="4" data-text="Student loan refinance calculator" data-outcome="send to link" > Student loan refinance calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/private-student-loans-guide/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="1" data-text="Private student loan basics" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/3d6f458d84/how-to-start-investing-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Private student loan basics</span> <span class="SiteNavFeaturedLink-supportText">10 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/student-loans/how-to-get-student-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Student loans subcategory link" data-position="2" data-text="How to get a student loan" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a student loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-small-business-loans/" class="SiteNavPrimaryLink" target="" > Best small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/bad-credit-business-loans/" class="SiteNavPrimaryLink" target="" > Bad credit small business loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/business-line-of-credit/" class="SiteNavPrimaryLink" target="" > Business lines of credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/small-business/best-banks-for-small-business-loans/" class="SiteNavPrimaryLink" target="" > Small business loan banks</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="1" data-text="Small business loans resources" data-outcome="send to link" > Small business loans resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="2" data-text="Small business loan reviews" data-outcome="send to link" > Small business loan reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/small-business/business-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Small business loans subcategory featured link" data-position="3" data-text="Small business loan calculator" data-outcome="send to link" > Small business loan calculator</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/small-business/how-do-small-business-loans-work/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link" > Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link" > Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link" > HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link" > What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link" > Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link" > Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary"data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link" > What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link" > Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link" > Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link" > HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link" > How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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mobile nav" data-position="bottom" data-text="Explore all Insurance resources" data-outcome="send to link" > Explore all insurance resources <svg class="Icon Icon--sm text-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Insurance category"> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title><path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"/></svg> Insurance</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/best-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/cheap-car-insurance-companies/" class="SiteNavPrimaryLink" target="" > Cheapest car insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/rates/" class="SiteNavPrimaryLink" target="" > Compare car insurance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/car/average-cost-of-car-insurance/" class="SiteNavPrimaryLink" target="" > How much is car insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/allstate/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="1" data-text="Allstate insurance review" data-outcome="send to link" > Allstate insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/erie/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="2" data-text="Erie insurance review" data-outcome="send to link" > Erie insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/progressive/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="3" data-text="Progressive insurance review" data-outcome="send to link" > Progressive insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/state-farm/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="4" data-text="State Farm insurance review" data-outcome="send to link" > State Farm insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory featured link" data-position="5" data-text="All insurance company reviews" data-outcome="send to link" > All insurance company reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/states/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="1" data-text="Auto insurance by state" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5bfb00cc0b/auto-insurance-by-state.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Auto insurance by state</span> <span class="SiteNavFeaturedLink-supportText">Compare rates in your state</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/insurance/car/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Insurance nav - Auto insurance subcategory link" data-position="2" data-text="Car insurance resources" data-outcome="send to link" > <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/20e5cbc3e7/how-much-is-car-insurance-nav.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Car insurance resources</span> <span class="SiteNavFeaturedLink-supportText">Learn more about auto insurance</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/best-home-insurance-companies/" class="SiteNavPrimaryLink" target="" > Best home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/cheap-homeowners-insurance/" class="SiteNavPrimaryLink" target="" > Cheapest home insurance companies</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/home-insurance-quotes/" class="SiteNavPrimaryLink" target="" > Home insurance quotes</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/insurance/homeowners-insurance/homeowners-insurance-cost/" class="SiteNavPrimaryLink" target="" > How much is homeowners insurance?</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/kin/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="1" data-text="Kin insurance review" data-outcome="send to link" > Kin insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/hippo-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="2" data-text="Hippo insurance review" data-outcome="send to link" > Hippo insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/lemonade/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - Home insurance subcategory featured link" data-position="3" data-text="Lemonade insurance review" data-outcome="send to link" > Lemonade insurance review</a> </li> <li> <a class="SiteNavSecondaryLink" href="/insurance/reviews/citizens-insurance/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Insurance nav - 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src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('6xEdvs')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-6xEdvs" aria-controls="tooltip-content-6xEdvs" x-bind="trigger"> Jeff Ostrowski</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-6xEdvs" aria-hidden="true" aria-labelledby="tooltip-trigger-6xEdvs" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone text-black"> Jeff Ostrowski</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Principal writer, Home lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 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<span class="text-blue-mid text-base"> • </span> Mortgage refinancing</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/bio561" target="_blank" rel="nofollow" aria-label="Connect with Jeff Ostrowski on Twitter" data-beam-element-clicked id="author_bio_jeff_ostrowski_twitter_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone text-black"> Laurie Richards</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex 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1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> First-time homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" 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4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 5 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Laurie Richards is a mortgage editor on Bankrate’s Home Lending team.</div> <div 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data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/laurie-richards/" class="text-link text-black plain font-circular-bold ">Laurie Richards</a> </div> </span> </div> <div class="Byline-user md:ml-3"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('oDG00a')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-oDG00a" aria-controls="tooltip-content-oDG00a" x-bind="trigger"> Greg McBride, CFA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-oDG00a" aria-hidden="true" aria-labelledby="tooltip-trigger-oDG00a" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone text-black"> Greg McBride, CFA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Chief financial analyst, Personal Finance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 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1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Investing</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 25 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/BankrateGreg" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on Twitter" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_twitter_icon" data-type="icon" 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srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Edited by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('zjbwRA')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-zjbwRA" aria-controls="tooltip-content-zjbwRA" x-bind="trigger"> Laurie Richards</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-zjbwRA" aria-hidden="true" aria-labelledby="tooltip-trigger-zjbwRA" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone text-black"> Laurie Richards</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex 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1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> First-time homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" 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4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 5 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Laurie Richards is a mortgage editor on Bankrate’s Home Lending team.</div> <div 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data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/laurie-richards/" class="text-link text-black plain font-circular-bold ">Laurie Richards</a> </div> </span> </div> <div class="Byline-user Byline-accordion-on-mobile"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('m4iqn8')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-m4iqn8" aria-controls="tooltip-content-m4iqn8" x-bind="trigger"> Greg McBride, CFA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-m4iqn8" aria-hidden="true" aria-labelledby="tooltip-trigger-m4iqn8" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone text-black"> Greg McBride, CFA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Chief financial analyst, Personal Finance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 2.28 0 0 0-.665 1.614c0 .612.245 1.193.68 1.63l.536.535c.199.199.306.466.306.75v.764c0 1.003.652 1.861 1.553 2.171v4.377a1.37 1.37 0 0 0 1.377 1.377h.008c.214 0 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1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Investing</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 25 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/BankrateGreg" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on Twitter" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_twitter_icon" data-type="icon" 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x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-position="bottom" data-text="Next" > Next </button> </div> </div> </form> <button data-tracking-id="pre-close-zip" class="Modal-close w-9 md:mt-5 md:mr-4 -mt-4" type="button" aria-label="close" @click="mortgagePrePinnedHide()"> </div> <button @click="mortgagePreSubmitSkip()" class="Link Link--standalone type-body-two align-self-center bg-transparent lg:mt-2" id="skip-and-show-rates" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="link" data-location="PRE" data-name="Skip" data-position="top" data-text="Skip and show me rates" >Skip and show me rates</button> </div> </div> <section id="" class="section-wrapper bg-transparent py-0 gutter"> <div class="wrapper"> <div data-beam-element-viewed data-type="rate trends graph" data-name="rate trends" data-position="middle" data-text="rate trends pre view" class="mortgage-rate-trends-comparison-chart-v2-background" x-data="mortgageRateTrendsComparisonChartV2( 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M\u0022,\u0022date\u0022:\u00222024-06-01\u0022},\u00221y\u0022:{\u0022label\u0022:\u00221 Y\u0022,\u0022date\u0022:\u00222023-11-01\u0022},\u00225y\u0022:{\u0022label\u0022:\u00225 Y\u0022,\u0022date\u0022:\u00222019-11-01\u0022},\u002210y\u0022:{\u0022label\u0022:\u002210 Y\u0022,\u0022date\u0022:\u00222014-11-01\u0022},\u0022all\u0022:{\u0022label\u0022:\u0022All\u0022,\u0022date\u0022:\u00221990-01-01\u0022}},\u0022requestToDate\u0022:\u00222024-11-17\u0022,\u0022myChart\u0022:null}'), )"> <div class="mortgage-rate-trends-comparison-chart-v2 box-shadow-1 bg-white rounded-md md:p-8 p-8 md:pb-10 md:w-4/5 center-content"> <span class="SimpleCard-eyebrow type-heading-six text-blue uppercase display-block mb-3">COMPARE</span> <h2 class="mb-8"> Top offers on Bankrate vs. national average interest rates<div class="Tooltip" data-tooltip="brPreRateTrendsVisualV2-container" data-tooltip-type="clickable"> <div class="Tooltip-trigger ml-1 clear-left" data-tooltip="trigger" aria-controls="brPreRateTrendsVisualV2-tooltip-icon" data-beam-element-clicked data-type="tooltip" data-location="pre" data-name="rate trends" data-position="middle" data-text="apr tooltip" data-outcome="open" > <span class="Icon Icon--xs text-blue -mt-2"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> <span class="visually-hidden">Hover for more</span> <div id="brPreRateTrendsVisualV2-tooltip-icon" class="Tooltip-content Tooltip-content--aboveTrigger Tooltip-content--anchorCenter w-44 sm:w-48 md:w-64" role="tooltip" data-tooltip="content" aria-hidden="true" style="display: none;"> <div class="Tooltip-body type-body-two"> <div class="Tooltip-arrow"></div> <div> APRs not included. For our most recent APR information, please visit our <button class="Link Button--bare bg-transparent leading-4" @click="ctaSubmit($event)" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" > rate table </button> </div> </div> </div> </div> </div> </h2> <div id="brPreRateTrendsVisualV2Container" class="mb-12"> <div class="border-b border-gray pb-10"> <div id="brPreRateTrendsVisualV2-grid" class="MortgageRateTrends-grid md:display-grid mb-6 md:mb-4"> <div class="MortgageRateTrends-sidebarContainer"> <div class="MortgageRateTrends-sidebar md:pos-absolute display-flex column gap-y-4"> <fieldset> <legend class="FormLabel">Historical timeline</legend> <div class="FormButtonGroup FormButtonGroup--small w-full"> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-6m" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="6 M" name="chart-range-option" type="radio" checked> <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-6m"> 6 M</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-1y" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="1 Y" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-1y"> 1 Y</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-5y" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="5 Y" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-5y"> 5 Y</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-10y" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="10 Y" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-10y"> 10 Y</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-chartRangeOption-all" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="All" name="chart-range-option" type="radio" > <label class="FormButtonGroup-label flex-1 px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-chartRangeOption-all"> All</label> </span> </div> </fieldset> <fieldset> <legend class="FormLabel">Loan purpose</legend> <div class="FormButtonGroup FormButtonGroup--small FormButtonGroup--fill"> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-loantype-purchase" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="Purchase" name="loan-type" type="radio" > <label class="FormButtonGroup-label px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-loantype-purchase"> Purchase</label> </span> <span class="FormButtonGroup-button"> <input class="FormButtonGroup-input" id="brPreRateTrendsVisualV2-loantype-refinance" data-beam-element-clicked data-type="button" data-location="pre" data-name="rate trends" data-position="middle" data-text="Refinance" name="loan-type" type="radio" checked> <label class="FormButtonGroup-label px-2 sm:px-4 py-3 py-4 leading-snug sm:leading-normal" for="brPreRateTrendsVisualV2-loantype-refinance"> Refinance</label> </span> </div> </fieldset> <div class="FormControl"> <label class="FormLabel" for="brPreRateTrendsVisualV2-LoanTermAndProductFamilyInputSelect">Loan type</label> <select class="FormSelect pl-3 sm:pl-6 text-sm sm:text-base" id="brPreRateTrendsVisualV2-LoanTermAndProductFamilyInputSelect" data-beam-element-clicked data-type="dropdown" data-location="pre" data-name="rate trends" data-position="middle" data-text="loan type" > <option value="30|conventional" selected> 30-year fixed </option> <option value="30|va" > 30-year fixed VA</option> <option value="30|fha" > 30-year fixed FHA</option> <option value="30|jumbo" > 30-year fixed Jumbo</option> <option value="20|conventional" > 20-year fixed </option> <option value="15|conventional" > 15-year fixed </option> <option value="10|conventional" > 10-year fixed </option> <option value="51|conventional" > 5/1 ARM </option> </select> <span class="FormSelect-arrow Icon Icon--xs right-4"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </div> <button class="Button Button--bare type-body-two align-self-flex-start text-blue hover:text-blue-mid" type="button" data-target="ratesMethodologyModal" data-beam-element-clicked data-type="hyperlink" data-location="pre" data-name="rate trends" data-position="middle" data-text="methodology hyperlink" > How our rates are calculated</button> <div x-data x-init="$nextTick(() => { window.initModal('ratesMethodologyModal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="ratesMethodologyModal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="ratesMethodologyModal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1"> <div class="w-full bg-white rounded-lg p-6" style="max-width: 800px;"> <div class="text-slate mb-8"> <div class="wysiwyg display-block w-full"> <h3>How our rates are calculated</h3> <ul> <li>The <strong>national average</strong> is calculated by averaging interest rate information provided by 100-plus lenders nationwide. Compare the national average versus top offers on Bankrate to see how much you can save when shopping on Bankrate.</li> <li>Bankrate <strong>top offers</strong> represent the weekly average interest rate among top offers within our rate table for the loan type and term selected. Use our rate table to view personalized rates from our nationwide marketplace of lenders on Bankrate.</li> </ul></div> </div> </div><button data-cy="modalClose" class="Modal-close" type="button" data-target="ratesMethodologyModal" aria-label="close" @click=""></button> </div> </div> </template> </div> <div class="cta-group mb-5 text-center"> <button id="brPreRateTrendsVisualV2-cta" type="button" class="Button Button--primary w-full" style="white-space: nowrap;" @click="ctaSubmit($event)" x-showdynpre="main-dynamic-presentation" x-showtocitem="rate-trends" data-beam-element-clicked data-type="button" data-location="PRE" data-name="Rate Trends" data-position="middle" data-text="See all refinance rates" > <span id="brPreRateTrendsVisualV2-cta-text"> See today's refinance rates </span> <span class="Icon Icon--xs ml-1"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"/></svg></span> </button> </div> </div> </div> <div class="MortgageRateTrends-chartArea"> <div class="display-flex align-items-center justify-content-end gap-x-3"> <div class="display-flex flex-wrap gap-x-4"> <div style="white-space: nowrap"> <span class="display-inline-block w-3 h-3 rounded-full mr-1" style="background: #0041A7;"></span> <span class="text-black text-left text-sm"> Top offers on Bankrate: </span> <strong id="brPreRateTrendsVisualV2-rate-trends-bankrate-average" class="text-black font-circular-bold text-xl"> 6.39% </strong> <div id="t1bf4dd5c-cc0f-4c69-90d2-cb676d0ad1a8" class="display-none"> <div class="w-64" style="max-width: calc(100vw - 4rem)"> Data for top offers on Bankrate not collected prior to May 2021</div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t1bf4dd5c-cc0f-4c69-90d2-cb676d0ad1a8" role="tooltip" tabIndex="0" data-tippy-placement="bottom-end"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> <div style="white-space: nowrap"> <span class="display-inline-block w-3 h-3 rounded-full mr-1" style="background: #4997FF;"></span> <span class="text-black text-left text-sm"> National average:  </span> <strong id="brPreRateTrendsVisualV2-rate-trends-national-average" class="text-black font-circular-bold text-xl"> 6.91% </strong> </div> </div> <button id="brPreRateTrendsVisualV2-expandChartButton" type="button" class="Button Button--utility display-none align-items-center justify-content-center md:display-flex p-0 w-9 h-9 flex-shrink-0" data-beam-element-clicked data-type="button" data-location="above rate trends chart" data-name="rate trends chart expand toggle" data-text="expand icon" > <span class="Icon w-6 h-6"> <svg class="Icon-glyph MortgageRateTrends-expandIcon" xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="currentColor" focusable="false"> <path class="icon-base" fill-rule="evenodd" clip-rule="evenodd" d="M18.0023 6L9.31 6L9.31 4L20.0023 4L20.0023 14.6923L18.0023 14.6923L18.0023 6Z" fill="currentColor"/> <path 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16.386a3.004 3.004 0 0 0 3.002 3.002c.381 0 .693-.311.693-.692a.694.694 0 0 0-.693-.692 1.621 1.621 0 0 1-1.618-1.618V6.002c0-.89.727-1.618 1.618-1.618h14.995c.892 0 1.619.727 1.619 1.618v5.192c0 .38.311.692.692.692.38 0 .692-.311.692-.692V6.002A3.01 3.01 0 0 0 19.497 3H4.502A3.004 3.004 0 0 0 1.5 6.002v10.384Zm10.505-1.618a.694.694 0 0 1-.693-.692v-.156h-.614a.694.694 0 0 1-.692-.692c0-.38.311-.692.692-.692h1.197a.68.68 0 0 1 .219 0h.47a.32.32 0 1 0 0-.64h-1.16c-.942 0-1.704-.77-1.704-1.705 0-.897.71-1.642 1.592-1.701v-.177c0-.38.312-.692.693-.692.38 0 .692.311.692.692v.173h.614c.38 0 .692.312.692.692 0 .381-.311.693-.692.693h-1.886a.32.32 0 1 0 0 .64h1.16c.942 0 1.704.761 1.704 1.705 0 .905-.702 1.643-1.592 1.7v.16c0 .38-.312.692-.692.692Zm-3.972 6.628a.687.687 0 0 1-.485-1.185l4.024-3.885c.26-.251.666-.26.934-.026l3.366 2.967 4.021-3.954h-1.546a.694.694 0 0 1-.693-.692c0-.38.312-.692.693-.692h3.227c.38 0 .692.311.692.692v3.227c0 .381-.311.693-.692.693a.694.694 0 0 1-.692-.693v-1.566l-4.49 4.422a.694.694 0 0 1-.944.026l-3.366-2.968-3.565 3.444a.702.702 0 0 1-.484.19Z" class="icon-base"/></svg></div> <div class="Alert-text"> <p class="mb-0 text-center md:text-left text-black type-body-one font-thin"> <span id="brPreRateTrendsVisualV2-comparison-line-one"> For the week of <span id="brPreRateTrendsVisualV2-comparison-month-day">November 17th</span>, top offers on Bankrate are <span class="font-black font-circular-bold"><span id="brPreRateTrendsVisualV2-comparison-rate-diff">X</span>% lower</span> than the national average. </span> <span id="brPreRateTrendsVisualV2-comparison-line-two"> On a $340,000 <span id="brPreRateTrendsVisualV2-comparison-loan-term">30</span>-year loan, this translates to <strong class="font-black font-circular-bold">$<span id="brPreRateTrendsVisualV2-comparison-monthly-savings">XXX</span> in annual savings</strong>. </span> </p> </div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3>Today's national 30-year refinance rate trends</h3> For today, Sunday, November 24, 2024, the current average interest rate for a 30-year fixed refinance is 6.96%, <span class="text-red">up 6 basis points</span> over the last seven days. Meanwhile, the current average 30-year fixed mortgage interest rate is 6.96%, <span class="text-red">rising 5 basis points</span> over the last seven days. </div> </div> </div> <style> /** .MortgageRateTrends **/ .MortgageRateTrends-grid { grid-template-columns: 324px 2fr; transition: 200ms; position: relative; } .MortgageRateTrends-sidebarContainer { grid-column: 1 / 2; position: relative; } .MortgageRateTrends-sidebar { white-space: nowrap; transition: opacity 200ms ease; opacity: 1; } .MortgageRateTrends-chartArea { grid-column: 2 / 3; z-index: 5; /** 1 above the .FormButtonGroup active state **/ background: white; } .MortgageRateTrends-chartContainer { height: 306px; transition: height 200ms ease; position: relative; } .MortgageRateTrends-chart { position: absolute; right: 0; } .MortgageRateTrends-expandIcon path { transition: 200ms transform ease; } .MortgageRateTrends-grid .MortgageRateTrends-expandIcon path:first-of-type { transform-origin: 16.5px 7.5px; } 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won't override .flex-grow) */ @media screen and (min-width: 599px) { .sm\:flex-grow-0 { flex-grow: 0 !important; } } </style></div> </section> <section id="" class="section-wrapper frame bg-transparent py-0 gutter"> <div class="wrapper"> <div class="border-b border-gray border-t border-gray pt-16 mb-24"> <div class="mb-16"> <h2 class="pb-4 text-center type-heading-seven">Here's how it works:</h2> <div class="ArticleRecommended"> <div class="display-none md:display-grid grid-cols-3 gap-6"> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Online Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M22.55 17.375V9.48a3.742 3.742 0 0 0-3.741-3.742H9.144A3.742 3.742 0 0 0 5.403 9.48v7.895h-.21c-.655 0-1.193.53-1.193 1.192v.523a3.175 3.175 0 0 0 3.172 3.172h13.656A3.175 3.175 0 0 0 24 19.09v-.523c0-.654-.53-1.192-1.192-1.192h-.258Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M20.323 16.853a.648.648 0 0 1-.26-.054l-16.372.051a.66.66 0 0 1-.123 0l-.759.003v.491c0 1.113.909 2.021 2.022 2.021h14.346a2.026 2.026 0 0 0 2.022-2.021v-.548l-.613.002a.648.648 0 0 1-.263.055Zm.654-9.6v8.29h.27c.697 0 1.253.565 1.253 1.253v.548c0 1.833-1.49 3.33-3.33 3.33H4.83a3.334 3.334 0 0 1-3.33-3.33v-.548c0-.696.565-1.252 1.252-1.252h.22v-8.29a3.93 3.93 0 0 1 3.93-3.929h10.147a3.93 3.93 0 0 1 3.928 3.928Zm-1.309 8.29H4.282v-8.29a2.627 2.627 0 0 1 2.62-2.618h10.147a2.626 2.626 0 0 1 2.619 2.618v8.29Zm-9.33-8.453h3.274c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.654H10.34a.657.657 0 0 0-.655.654c0 .36.295.655.655.655Z" class="icon-base"/></svg></div> <h4 class="SimpleCard-title type-heading-four mt-0 mb-4"> Enter your details </h4> <div class="SimpleCard-copy type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">Answer some questions about your homebuying or refinancing needs to help us find the right lenders for you.</p></div> </div> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Mortgage Percent Icon</title><path d="M5.985 20.517V10.17c0-.447.207-.869.561-1.142l6.848-5.283c.521-.403 1.25-.4 1.768.004L22.1 9.16a1 1 0 0 1 .385.788v10.57c0 .796-.646 1.442-1.443 1.442H7.428a1.443 1.443 0 0 1-1.443-1.443Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M21.436 10.289c.115.09.263.139.402.139v-.008a.652.652 0 0 0 .517-.246.646.646 0 0 0-.107-.92l-3.42-2.695V4.3a.658.658 0 0 0-.657-.656.658.658 0 0 0-.656.656v1.224l-3.511-2.766c-1.181-.96-2.888-.96-4.052 0L1.748 9.263a.652.652 0 0 0-.107.919.652.652 0 0 0 .92.107l.573-.456v9.832a2.273 2.273 0 0 0 2.297 2.297h13.126a2.273 2.273 0 0 0 2.297-2.297V9.83l.582.459Zm-1.895-1.493-6.366-5.013a1.882 1.882 0 0 0-2.403-.008L4.447 8.792v10.873c0 .575.41.985.984.985h13.126c.574 0 .984-.41.984-.985V8.795ZM9.528 17.368h.004-.008.004Zm.464-.188a.643.643 0 0 1-.464.188.694.694 0 0 1-.463-.188.659.659 0 0 1 0-.927l4.922-4.922a.659.659 0 0 1 .927 0 .659.659 0 0 1 0 .927L9.992 17.18Zm-.46-4.455h-.057a.954.954 0 0 1-.927-.927c0-.492.435-.927.927-.927h.058c.492 0 .927.435.927.927a.92.92 0 0 1-.927.927Zm4.923 4.972h.058a.92.92 0 0 0 .927-.927c0-.493-.492-.927-.985-.927a.915.915 0 0 0-.927.927c0 .492.378.927.927.927Z" class="icon-base"/></svg></div> <h4 class="SimpleCard-title type-heading-four mt-0 mb-4"> Compare top rates </h4> <div class="SimpleCard-copy type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">See competitive mortgage rates from lenders that match your criteria and compare your offers side-by-side.</p></div> </div> <div class="SimpleCard bg-white p-8 h-full display-flex flex-direction-column align-items-center" > <div class="Icon flex-shrink-0 Icon--md mb-6 icon-base-black icon-highlight-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Online Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M22.55 17.375V9.48a3.742 3.742 0 0 0-3.741-3.742H9.144A3.742 3.742 0 0 0 5.403 9.48v7.895h-.21c-.655 0-1.193.53-1.193 1.192v.523a3.175 3.175 0 0 0 3.172 3.172h13.656A3.175 3.175 0 0 0 24 19.09v-.523c0-.654-.53-1.192-1.192-1.192h-.258Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M20.323 16.853a.648.648 0 0 1-.26-.054l-16.372.051a.66.66 0 0 1-.123 0l-.759.003v.491c0 1.113.909 2.021 2.022 2.021h14.346a2.026 2.026 0 0 0 2.022-2.021v-.548l-.613.002a.648.648 0 0 1-.263.055Zm.654-9.6v8.29h.27c.697 0 1.253.565 1.253 1.253v.548c0 1.833-1.49 3.33-3.33 3.33H4.83a3.334 3.334 0 0 1-3.33-3.33v-.548c0-.696.565-1.252 1.252-1.252h.22v-8.29a3.93 3.93 0 0 1 3.93-3.929h10.147a3.93 3.93 0 0 1 3.928 3.928Zm-1.309 8.29H4.282v-8.29a2.627 2.627 0 0 1 2.62-2.618h10.147a2.626 2.626 0 0 1 2.619 2.618v8.29Zm-9.33-8.453h3.274c.36 0 .655-.295.655-.655a.657.657 0 0 0-.655-.654H10.34a.657.657 0 0 0-.655.654c0 .36.295.655.655.655Z" class="icon-base"/></svg></div> <h4 class="SimpleCard-title type-heading-four mt-0 mb-4"> Choose a lender </h4> <div class="SimpleCard-copy type-body-one text-slate"><p class="text-center type-body-one text-base mb-1 text-slate text-gray-700" style="line-height: 1.75 !important;">After selecting your top options, connect with lenders online or on the phone. 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srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 pos-relative z-layer-one flex-shrink-0" alt=""> <span> <span class="text-slate font-circular-book" data-preamp="mortgage-dark-mode">Written by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('1SLwZe')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-1SLwZe" aria-controls="tooltip-content-1SLwZe" x-bind="trigger"> Jeff Ostrowski</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-1SLwZe" aria-hidden="true" aria-labelledby="tooltip-trigger-1SLwZe" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2024/01/17094047/jeff4_720.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone text-black"> Jeff Ostrowski</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Principal writer, Home lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg class="Icon Icon--sm text-black mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path 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0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgages</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Mortgage refinancing</li> </ul> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Jeff Ostrowski covers mortgages and the housing market. Before joining Bankrate in 2020, he spent more than 20 years writing about real estate, business, the economy and politics.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/jeff-ostrowski/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/bio561" target="_blank" rel="nofollow" aria-label="Connect with Jeff Ostrowski on Twitter" data-beam-element-clicked id="author_bio_jeff_ostrowski_twitter_icon" data-type="icon" data-location="author_bio_jeff_ostrowski" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" 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sm:display-inline-block" x-data="interactiveTooltip('OV4q47')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-OV4q47" aria-controls="tooltip-content-OV4q47" x-bind="trigger"> Laurie Richards</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-OV4q47" aria-hidden="true" aria-labelledby="tooltip-trigger-OV4q47" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/05/11121104/laurie-headshot-2-scaled.jpeg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/laurie-richards/" class="Link Link--standalone text-black"> Laurie Richards</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex 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0l.597.606a2.493 2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Homebuying</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> First-time homebuying</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" 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4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 5 years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Laurie Richards is a mortgage editor on Bankrate’s Home Lending team.</div> <div 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data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/laurie-richards/" class="text-link text-black plain font-circular-bold ">Laurie Richards</a> </div> </span> </div> <div class="Byline-user "> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=24&height=24&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--xs Byline-userAvatar mr-2 flex-shrink-0" alt=""> <span> <span data-preamp="mortgage-dark-mode" class="text-slate font-circular-book">Reviewed by</span> <div class="Tooltip display-none sm:display-inline-block" x-data="interactiveTooltip('KixJ5c')" x-bind="container"> <button class="Tooltip-trigger text-link text-black plain font-circular-bold" data-preamp="mortgage-dark-mode"type="button" id="tooltip-trigger-KixJ5c" aria-controls="tooltip-content-KixJ5c" x-bind="trigger"> Greg McBride, CFA</button><div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview"style="display: none;" id="tooltip-content-KixJ5c" aria-hidden="true" aria-labelledby="tooltip-trigger-KixJ5c" role="dialog" x-bind="content"> <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--reviewer AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-light pb-4"> <img srcset="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.brimg.net/images/author-photos/greg-mcbride.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg AuthorPreview-avatar flex-shrink-0" alt=""> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone text-black"> Greg McBride, CFA</a> </div> <span class="AuthorPreview-title type-body-two text-slate text-crop-none">Chief financial analyst, Personal Finance</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="display-flex align-items-center"> <svg 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2.493 0 0 0 1.775.731h.85c.647 0 1.177.539 1.177 1.186v.841c0 .673.26 1.304.732 1.775l.589.589c.227.219.353.513.353.833 0 .32-.126.614-.353.84l-.59.598a2.494 2.494 0 0 0-.73 1.775v.84c0 .57-.41 1.041-.954 1.147a.68.68 0 0 0-.247.023Zm.855 1.202a2.52 2.52 0 0 0 1.666-2.363v-.841c0-.311.126-.606.345-.824l.588-.597c.488-.48.749-1.11.749-1.784a2.52 2.52 0 0 0-.74-1.791l-.59-.589a1.157 1.157 0 0 1-.336-.824v-.841a2.533 2.533 0 0 0-2.523-2.532h-.85c-.319 0-.613-.126-.824-.336l-.597-.606a2.523 2.523 0 0 0-3.566 0l-.589.589a1.143 1.143 0 0 1-.824.336h-.85a2.525 2.525 0 0 0-2.514 2.414c-.017.042-.017.093-.017.135v.832c0 .312-.126.606-.345.825l-.522.53a.54.54 0 0 1-.037.033 2.508 2.508 0 0 0-.77 1.808c0 .674.27 1.313.749 1.792l.588.589c.219.219.337.513.337.824v.841c0 1.103.717 2.046 1.707 2.388v4.812A1.506 1.506 0 0 0 8.648 22.5h.009a1.5 1.5 0 0 0 .681-.16l2.725-1.362a.16.16 0 0 1 .151 0l2.465 1.303a1.495 1.495 0 0 0 1.489-.042c.454-.277.731-.757.731-1.295v-4.777Zm-4.887-2.397a4.002 4.002 0 0 1-2.85-1.185 4.036 4.036 0 0 1 0-5.703 4.002 4.002 0 0 1 2.85-1.186c1.077 0 2.086.42 2.852 1.186a4.002 4.002 0 0 1 1.186 2.851c0 1.077-.42 2.086-1.186 2.852a4.002 4.002 0 0 1-2.852 1.185Zm0-6.728c-.715 0-1.387.277-1.9.79a2.685 2.685 0 0 0 0 3.802c1.017 1.018 2.784 1.018 3.801 0 .513-.513.79-1.186.79-1.9 0-.716-.277-1.389-.79-1.902a2.666 2.666 0 0 0-1.9-.79Z" class="icon-base"/></svg><span class="type-body-two text-black font-circular-bold"> Expertise </span> </div> <ul class="List ml-2 mt-3 mb-3"> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Personal finance</li> <li class="display-flex align-items-center gap-2 mt-2 text-black"> <span class="text-blue-mid text-base"> • </span> Investing</li> </ul> </div> <div class="display-flex align-items-center text-black"> <svg class="Icon Icon--sm mr-2 align-self-flex-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg><div class="type-body-two font-circular-bold leading-normal lowercase display-flex"> 25 Years of experience</div> </div> </div> <div class="AuthorPreview-bottom text-slate"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Greg McBride, CFA, is the Chief Financial Analyst for Bankrate.com, leading a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience.</div> <div class="display-flex align-items-center justify-content-space-between w-full"> <a href="https://www.bankrate.com/authors/greg-mcbride/" class="Link Link--standalone font-bold"> Read more </a> <ul class="AuthorSocialConnect List display-flex align-items-center mb-0 "> <li class="AuthorSocialConnect-item display-block"> <a class="AuthorSocialConnect-link display-flex align-items-center text-slate p-3 hover:text-blue-600" href="https://twitter.com/BankrateGreg" target="_blank" rel="nofollow" aria-label="Connect with Greg McBride, CFA on Twitter" data-beam-element-clicked id="author_bio_greg_mcbride_cfa_twitter_icon" data-type="icon" data-location="author_bio_greg_mcbride_cfa" data-position="top" data-text="twitter" data-outcome="open_twitter" > <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Twitter 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1-.099.926l-2.986 2.431 3.06 3.359a.655.655 0 1 1-.968.886l-3.11-3.415-.367.298c-.54.427-1.18.64-1.82.64v-.017Z" class="icon-base"/></svg></a> </li> </ul> </div> <a class="text-blue text-crop-none" href="/financial-review-board/">About our review board</a> </div> </div><button type="button" class="visually-hidden focusable text-link text-black plain font-circular-bold" @click="close()">Close</button> </div> </div> </div> <div class="display-inline-block sm:display-none"> <a data-preamp="mortgage-dark-mode-mobile" href="https://www.bankrate.com/authors/greg-mcbride/" class="text-link text-black plain font-circular-bold ">Greg McBride, CFA</a> </div> </span> </div> </div> <div class="display-flex justify-content-start mt-0"> <div class="ExtendedByline-pipe ml-7"> <div class="advertiser-disclosure" data-cy="advertiser-disclosure"> <button type="button" class="display-none md:display-block Button Button--bare type-body-two text-crop-none border-0 text-blue hover:text-blue-mid" data-target="#default-disclosure-modal" data-preamp="mortgage-dark-mode-disclosure" data-beam-element-clicked id="default-disclosure-button" data-type="BUTTON" data-location="hero section" data-name="advertiser disclosure button" data-position="top" data-text="advertiser disclosure" data-outcome="advertiser disclosure modal" > Advertiser Disclosure </button> <div x-data x-init="$nextTick(() => { window.initModal('default-disclosure-modal', 1); })" class="display-none"> <template x-teleport="#modalStack"> <div id="default-disclosure-modal" class="Modal is-closed " role="dialog" aria-hidden="true"> <button class="Modal-overlay" data-target="default-disclosure-modal" aria-label="close" @click=""></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" aria-labelledby="default-disclosure-modal-title"> <div class="p-6 bg-white box-shadow-four rounded-lg max-w-3xl"> <h3 class="type-heading-four mb-8" id="default-disclosure-modal-title"> Advertiser Disclosure </h3> <p>The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear, except where prohibited by law for our mortgage, home equity and other home lending products. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.</p></div><button data-cy="modalClose" class="Modal-close" type="button" data-target="default-disclosure-modal" aria-label="close" @click=""></button> </div> </div> </template> </div> </div> </div> </div> </div> <div class="above-the-fold-legacy"> <div class="wysiwyg display-block w-full"> <p class="my-4 text-left type-body-one text-base leading-6">On Sunday, November 24, 2024, the national average 30-year fixed refinance APR is 7.03%. The average 30-year fixed mortgage APR is 7.03%, according to Bankrate's latest survey of the nation's largest refinance lenders.</p></div> </div> <div class="above-the-fold-redesign md:display-none" data-read-more="container"> <div class="RateTableHeader-readMore" id="intro-content" aria-hidden="false" data-read-more="content" style="max-width: 990px"> <div class="wysiwyg display-block w-full"> <p class="my-4 text-left type-body-one text-base leading-6">On Sunday, November 24, 2024, the national average 30-year fixed refinance APR is 7.03%. The average 30-year fixed mortgage APR is 7.03%, according to Bankrate's latest survey of the nation's largest refinance lenders.</p></div> </div> <button class="RateTableHeader-readMoreTrigger md:display-none Button Button--bare Link type-body-one text-crop-none text-blue font-circular-bold mb-4" aria-controls="intro-content" aria-expanded="false" data-read-more="trigger"> <span data-read-more-text="Read less"> Read more </span> <span class="RateTableHeader-readMoreIcon Button-icon Icon Icon--xs fill-blue display-inline-flex align-items-center ml-1" data-read-more="arrow-indicator"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> </div> <p class="type-body-three above-the-fold-legacy">At Bankrate we strive to help you make smarter financial decisions. 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)"> <div class="mortgage-national-averages-trends-chart"> <h2 class="mb-6"> Weekly national mortgage interest rate trends </h2> <div id="brChartRefi30YearContainer" class="mb-10" data-beam-element-viewed data-type="Rate Trends" data-location="PRE" data-name="Rate Trends Graph" data-position="middle" data-text="Bankrate Rate Trends" > <div data-tabs="tabs-container"> <ul class="Tabs" data-tabs="tab-list" role="tablist" aria-label="loan-type-tabs"> <li class="Tabs-item" role="presentation"> <button class="Tabs-link" data-tabs="tab" id="brChartRefi30Year-loantype-purchase" type="button" role="tab" aria-controls="" aria-selected="false" tabindex="-1"> Mortgages</button> </li> <li class="Tabs-item" role="presentation"> <button class="Tabs-link is-active" data-tabs="tab" id="brChartRefi30Year-loantype-refinance" type="button" role="tab" aria-controls="" aria-selected="true" tabindex="0"> Refinance</button> </li> </ul> </div> <div class="display-grid grid-cols-1 md:grid-cols-3 md:gap-5"> <div class="md:col-span-2 mr-6 mb-6 md:mb-0"> <canvas id="brChartRefi30YearCanvas" style="height: 300px;"></canvas> </div> <div class="md:col-span-1"> <div class="display-flex align-items-center mb-4"> <p class="type-heading-four mb-0 text-black"> <span id="brChartRefi30Year-legend-title"> Current refinance rates </span>  </p> </div> <div id="brChartRefi30YearChartLegend" class="mb-10"> <table class="Table Table--borderedRows"> <tbody> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #4898FF;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartRefi30Year-label-30"> 30 year fixed refinance</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartRefi30Year-rate-30"> 6.91% </td> </tr> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #88DD9B;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartRefi30Year-label-15"> 15 year fixed refinance</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartRefi30Year-rate-15"> 6.21% </td> </tr> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #7C64C3;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartRefi30Year-label-10"> 10 year fixed refinance</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartRefi30Year-rate-10"> 6.21% </td> </tr> <tr class="row-national"> <td class="px-2"><span class="bullet" style="background: #A5D4F4;"></span></td> <td class="series-name type-body-one py-3 p-0 text-slate text-left" id="brChartRefi30Year-label-51"> 5/1 ARM refinance</td> <td class="series-percent type-body-one py-3 text-right p-0 pr-2 font-black text-black" id="brChartRefi30Year-rate-51"> 6.26% </td> </tr> </tbody> </table> </div> </div> </div> </div> <div class="wysiwyg display-block w-full"> <h3>Today's national 30-year refinance rate trends</h3> For today, Sunday, November 24, 2024, the current average interest rate for a 30-year fixed refinance is 6.96%, <span class="text-red">up 6 basis points</span> over the last seven days. Meanwhile, the current average 30-year fixed mortgage interest rate is 6.96%, <span class="text-red">rising 5 basis points</span> over the last seven days. </div> </div> </div> <style> #brChartRefi30YearChartLegend .bullet { display: block; position: relative; width: 12px; height: 12px; border-radius: 6px; margin: 0 4px; } .mortgage-national-averages-trends-chart-background { padding-top: 2rem; } @media (min-width: 37.4375em){ .mortgage-national-averages-trends-chart-background { background: url('https://www.bankrate.com/v5.1514.2/next/img/mortgage/blurred-rate-table-bg-2.gif?auto=webp') 50% 0 no-repeat #fff; padding-top: 5.5rem; background-size: contain; } } </style> </div> <div id="compare-30-year-refinance-rates" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <div> <h2>How to compare 30-year fixed refinance rates</h2> <p>Lenders nationwide provide weekday <a class="Link" href="https://www.bankrate.com/mortgages/mortgage-rates/">mortgage interest rates</a> to our comprehensive national survey to bring you the most current rates available. Here you can see the latest marketplace average interest rates for a wide variety of purchase loans. The interest rate table below is updated daily to give you the most current purchase rates when choosing a home loan. APRs and rates are based on no existing relationship or automatic payments. For these averages, the customer profile includes a 740 FICO score and a single-family residence. To learn more, see <a class="Link" href="https://www.bankrate.com/understanding-bankrates-rate-averages/">understanding Bankrate rate averages</a>.</p> <p>Mortgage rates and closing costs can vary widely from lender to lender, so shopping around might save you money. Borrowers could save an average of $1,500 over the life of the loan by getting one additional rate quote, and an average of $3,000 by seeking out five quotes, according to <a class="Link" href="https://www.freddiemac.com/research/insight/20180417-consumers-leaving-money" target="_blank" rel="noopener">Freddie Mac research</a>. (Freddie Mac also found that the <a class="Link" href="https://www.bankrate.com/mortgages/save-on-mortgage-by-comparison-shopping/">reward for shopping around</a> had increased during the rate volatility of 2022.)</p> <p>Bankrate can help you compare deals and find the best 30-year refinance rate.</p> </div></div> <div data-tabs="tabs-container"> <ul class="Tabs " role="tablist" aria-label="tabs" data-tabs="tab-list"> <li class="Tabs-item" role="presentation"> <button class="Tabs-link " data-tabs="tab" id="purchase-0" type="button" role="tab" aria-controls="purchase-0" aria-selected="false" tabindex="-1"> Purchase</button> </li> <li class="Tabs-item" role="presentation"> <button class="Tabs-link is-active" data-tabs="tab" id="refinance-1" type="button" role="tab" aria-controls="refinance-1" aria-selected="true" tabindex="0"> Refinance</button> </li> </ul> <div class="Tabs-panel" data-tabs="tab-panel" role="tabpanel" aria-labelledby="purchase-0" aria-hidden="true"> <div class="wysiwyg display-block w-full"> <table class="Table Table--borderedRows Table--numerical mb-2"> <thead> <tr> <th id="PurchaseProduct" width="33%">Product</th> <th id="PurchaseRate" width="33%">Interest Rate</th> <th id="APR" width="33%">APR</th> </tr> </thead> <tbody> <tr> <th headers="PurchaseProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/30-year-mortgage-rates/">30-Year Fixed Rate</a></th> <td class="text-right" headers="PurchaseRate" width="33%">6.98%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">7.03</span>%</td> </tr> <tr> <th headers="PurchaseProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/va-loan-rates/">30-Year Fixed-Rate VA</a></th> <td class="text-right" headers="PurchaseRate" width="33%">6.70%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">6.74</span>%</td> </tr> <tr> <th headers="PurchaseProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/fha-loan-rates/">30-Year Fixed-Rate FHA</a></th> <td class="text-right" headers="PurchaseRate" width="33%">6.73%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">6.78</span>%</td> </tr> <tr> <th headers="PurchaseProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/jumbo-loan-rates/">30-Year Fixed-Rate Jumbo</a></th> <td class="text-right" headers="PurchaseRate" width="33%">6.98%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">7.03</span>%</td> </tr> </tbody> </table> <p class="text-slate text-gray-700 type-body-three text-xs">Rates as of Sunday, November 24, 2024 at 6:30 AM</p></div> </div> <div class="Tabs-panel" data-tabs="tab-panel" role="tabpanel" aria-labelledby="refinance-1" aria-hidden="false"> <div class="wysiwyg display-block w-full"> <table class="Table Table--borderedRows Table--numerical mb-2"> <thead> <tr> <th id="RefinanceProduct" width="33%">Product</th> <th id="RefinanceRate" width="33%">Interest Rate</th> <th id="APR" width="33%">APR</th> </tr> </thead> <tbody> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/30-year-refinance-rates/">30-Year Fixed Rate</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.98%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">7.03</span>%</td> </tr> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/va-refinance-rates/">30-Year Fixed-Rate VA</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.88%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">6.93</span>%</td> </tr> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/fha-refinance-rates/">30-Year Fixed-Rate FHA</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.81%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">7.03</span>%</td> </tr> <tr> <th headers="RefinanceProduct" width="33%"><a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/jumbo-refinance-rates/">30-Year Fixed-Rate Jumbo</a></th> <td class="text-right" headers="RefinanceRate" width="33%">6.92%</td> <td headers="APR" width="33%"><span style="font-size: 16px;">6.97</span>%</td> </tr> </tbody> </table> <p class="text-slate text-gray-700 type-body-three text-xs">Rates as of Sunday, November 24, 2024 at 6:30 AM</p></div> </div> </div> <ul class="Accordion w-full" data-cy="accordion-c4f72bcc-1696-4fae-a31b-b2b2310100df"> <li x-id="['panel-why-trust-bankrate', 'heading-why-trust-bankrate']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-why-trust-bankrate')" :aria-controls="$id('panel-why-trust-bankrate')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="" data-name=" why trust bankrate’s mortgage rates? " data-position="1" data-text=" Why trust Bankrate’s mortgage rates? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> Why trust Bankrate’s mortgage rates?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-why-trust-bankrate')" :labelledBy="$id('heading-why-trust-bankrate')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <div> <p>Bankrate displays two sets of rate averages that are produced from two surveys we conduct: one daily (“overnight averages”) and the other weekly (“Bankrate Monitor averages”).</p> <p>For Bankrate’s overnight averages, APRs and rates are based on no existing relationship or automatic payments. To determine the Bankrate Monitor mortgage rate averages, Bankrate collects APRs and rates from the 10 largest banks and thrifts in 10 large U.S. markets based on no existing relationship or automatic payments.</p> <p>Our advertisers are leaders in the marketplace, and they compensate us in exchange for placement of their products or services when you click on certain links posted on our site. This allows us to bring you, at no charge, quality content, competitive rates and useful tools.</p> <p>Learn more about Bankrate’s <a class="Link" href="https://www.bankrate.com/understanding-bankrates-rate-averages/">rate averages</a>, <a class="Link" href="https://www.bankrate.com/editorial-guidelines/">editorial guidelines</a> and <a class="Link" href="https://www.bankrate.com/advertising-disclosure/">how we make money</a>.</p> </div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-why-trust-bankrate')" :labelledBy="$id('heading-why-trust-bankrate')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <div> <p>Bankrate displays two sets of rate averages that are produced from two surveys we conduct: one daily (“overnight averages”) and the other weekly (“Bankrate Monitor averages”).</p> <p>For Bankrate’s overnight averages, APRs and rates are based on no existing relationship or automatic payments. To determine the Bankrate Monitor mortgage rate averages, Bankrate collects APRs and rates from the 10 largest banks and thrifts in 10 large U.S. markets based on no existing relationship or automatic payments.</p> <p>Our advertisers are leaders in the marketplace, and they compensate us in exchange for placement of their products or services when you click on certain links posted on our site. This allows us to bring you, at no charge, quality content, competitive rates and useful tools.</p> <p>Learn more about Bankrate’s <a class="Link" href="https://www.bankrate.com/understanding-bankrates-rate-averages/">rate averages</a>, <a class="Link" href="https://www.bankrate.com/editorial-guidelines/">editorial guidelines</a> and <a class="Link" href="https://www.bankrate.com/advertising-disclosure/">how we make money</a>.</p> </div></div> </div> </div> </noscript> </li> </ul> </div> <div id="how-to-refi" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>How to refinance into a 30-year loan</h2> <p>Here are the basic steps — Bankrate’s <a class="Link" href="https://www.bankrate.com/mortgages/how-does-refinancing-a-mortgage-work/">refinancing guide</a> offers more details.</p> <ol class="List List--ordered"> <li class="List-item"><strong>Make a plan.</strong> Do you want to lower your rate? Pull out equity for home improvements? There should be a good <a class="Link" href="https://www.bankrate.com/mortgages/when-to-refinance/">reason why you’re refinancing</a> — whether it’s to reduce your monthly payment, shorten the term of your loan or pull out equity for home repairs or debt repayment.</li> <li class="List-item"><strong>Check your credit score.</strong> You’ll need to qualify for a refinance just as you needed to get approval for your original home loan. The higher your credit score, the better refinance rates lenders will offer you. The best 30-year refinance deals go to borrowers with credit scores of 740 or higher. Spending a few months <a class="Link" href="https://www.bankrate.com/real-estate/fix-credit-score-to-buy-house/">boosting your credit score</a> can go a long way to help you secure a better rate.</li> <li class="List-item"><strong>Shop around.</strong> Use Bankrate to compare offers on 30-year refinances and find the best deal for you. You can save thousands if you get <a class="Link" href="https://www.bankrate.com/mortgages/how-to-get-the-best-mortgage-rate/">quotes from at least three lenders</a>. </li> <li class="List-item"><strong>Compare deals.</strong> The interest rate isn’t the only thing to consider in a 30-year refinance. You’ll also want to weigh expenses such as closing costs and points.</li> </ol></div> </div> <div id="compare-mortgage-lenders-side-by-side" class="SectionWithTocItem " > <div> <div class="text-center"> <p class="type-heading-six font-circular-bold uppercase text-blue-mid mb-4">Lender compare</p> <h2 class="mb-4">Compare mortgage lenders side by side</h2> <p class="text-slate">Mortgage rates and fees can vary widely across lenders. To help you find the right one for your needs, use this tool to compare lenders based on a variety of factors. Bankrate has reviewed and partners with these lenders, and the two lenders shown first have the highest combined Bankrate Score and customer ratings. You can use the drop downs to explore beyond these lenders and find the best option for you.</p> </div> <div style="overflow-x: auto"> <div class="display-grid grid-cols-2 gap-6 mb-8 px-2" style="min-width: 590px"> <div class="box-shadow-1 rounded-lg border-blue border-t-4 p-4" x-data="mortgageLenderCompare( JSON.parse('[{\u0022advertiserId\u0022:10608,\u0022name\u0022:\u0022Veterans United Home Loans\u0022},{\u0022advertiserId\u0022:9361,\u0022name\u0022:\u0022Bethpage Federal Credit Union\u0022},{\u0022advertiserId\u0022:1737,\u0022name\u0022:\u0022Texas Trust Home Loans\u0022},{\u0022advertiserId\u0022:4213,\u0022name\u0022:\u0022E-Click Lending\u0022},{\u0022advertiserId\u0022:10534,\u0022name\u0022:\u0022Blue Spot Home Loans\u0022},{\u0022advertiserId\u0022:11861,\u0022name\u0022:\u0022First Mortgage Direct\u0022},{\u0022advertiserId\u0022:10653,\u0022name\u0022:\u0022Wells Fargo Bank\u0022},{\u0022advertiserId\u0022:11904,\u0022name\u0022:\u0022New American Funding - CPC\u0022},{\u0022advertiserId\u0022:8185,\u0022name\u0022:\u0022Cardinal Financial Company\u0022},{\u0022advertiserId\u0022:10427,\u0022name\u0022:\u0022U.S. Bank\u0022},{\u0022advertiserId\u0022:8860,\u0022name\u0022:\u0022One True Loan, Inc.\u0022},{\u0022advertiserId\u0022:11966,\u0022name\u0022:\u0022PenFed\u0022},{\u0022advertiserId\u0022:11968,\u0022name\u0022:\u0022Sage Home Loans\u0022},{\u0022advertiserId\u0022:11878,\u0022name\u0022:\u0022Mutual of Omaha Mortgage, Inc.\u0022},{\u0022advertiserId\u0022:10612,\u0022name\u0022:\u0022Old National Bank\u0022},{\u0022advertiserId\u0022:9934,\u0022name\u0022:\u0022Rocket Mortgage\u0022},{\u0022advertiserId\u0022:11902,\u0022name\u0022:\u0022Real Genius\u0022},{\u0022advertiserId\u0022:9722,\u0022name\u0022:\u0022Better.com\u0022},{\u0022advertiserId\u0022:7627,\u0022name\u0022:\u0022Flagstar Bank\u0022},{\u0022advertiserId\u0022:11835,\u0022name\u0022:\u0022SoFi Bank\u0022},{\u0022advertiserId\u0022:11731,\u0022name\u0022:\u0022Mr. Cooper\u0022},{\u0022advertiserId\u0022:12003,\u0022name\u0022:\u0022Alliant Credit Union\u0022},{\u0022advertiserId\u0022:10438,\u0022name\u0022:\u0022Homefinity\u0022},{\u0022advertiserId\u0022:10295,\u0022name\u0022:\u0022Allied Mortgage Group\u0022},{\u0022advertiserId\u0022:8015,\u0022name\u0022:\u0022Watermark Home Loans\u0022},{\u0022advertiserId\u0022:10026,\u0022name\u0022:\u0022First Citizens Bank, formerly CIT Bank (Mortgage)\u0022},{\u0022advertiserId\u0022:11845,\u0022name\u0022:\u0022Tomo\u0022},{\u0022advertiserId\u0022:10041,\u0022name\u0022:\u0022PNC Bank\u0022},{\u0022advertiserId\u0022:10124,\u0022name\u0022:\u0022Citizens One Home Mortgage\\\/ Citizens Bank NA\u0022},{\u0022advertiserId\u0022:11728,\u0022name\u0022:\u0022Morty\u0022},{\u0022advertiserId\u0022:11883,\u0022name\u0022:\u0022Chase\u0022},{\u0022advertiserId\u0022:8189,\u0022name\u0022:\u0022CitiBank, N.A.\u0022},{\u0022advertiserId\u0022:10500,\u0022name\u0022:\u0022HSBC Bank USA, N.A\u0022},{\u0022advertiserId\u0022:11785,\u0022name\u0022:\u0022Reliant Home Funding, Inc.\u0022},{\u0022advertiserId\u0022:2336,\u0022name\u0022:\u0022Third Federal Savings and Loan Association of Cleveland\u0022},{\u0022advertiserId\u0022:10682,\u0022name\u0022:\u0022loanDepot\u0022},{\u0022advertiserId\u0022:7604,\u0022name\u0022:\u0022Optimum First Mortgage\u0022},{\u0022advertiserId\u0022:8103,\u0022name\u0022:\u0022Direct Home Lending\u0022},{\u0022advertiserId\u0022:8111,\u0022name\u0022:\u0022NationsChoice Mortgage\u0022},{\u0022advertiserId\u0022:10434,\u0022name\u0022:\u0022NBKC Bank\u0022},{\u0022advertiserId\u0022:10330,\u0022name\u0022:\u0022Freedom Mortgage - 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While that limits who can work with this lender, if you\\u2019re in one of its operating states, Garden State can be a smart choice if you\\u2019re looking for dedicated service \\u2014 including a loan officer available nights and weekends \\u2014 and swift closings.\u0022,\u0022overview_text\u0022:\u0022\\u003Cp dir=\\u0022ltr\\u0022\\u003EHeadquartered in Cherry Hill, New Jersey, Garden State Home Loans has funded $5.6 billion in loans since its founding in 2011.\\u003C\\\/p\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EThe lender offers preapprovals online, typically in 24 hours or less, and its purchase loans close in an average of 30 days, faster than the industry average and potentially sooner compared to other lenders. If you live in one of the 13 states where this lender does business, it might be a good option.\\u003C\\\/p\\u003E\u0022,\u0022rich_content\u0022:\u0022\\u003Ch2\\u003EHow Bankrate scored Garden State Home Loans\\u003C\\\/h2\\u003E\\r\\n\\u003Ch3\\u003EAffordability: 6.6\\\/10\\u003C\\\/h3\\u003E\\r\\n\\u003Cp\\u003EGarden State Home Loans boasts attractively low rate offers on different kinds of mortgages. The lender charges \\u003Ca href=\\u0022\\\/mortgages\\\/origination-fee\\\/\\u0022\\u003Efees\\u003C\\\/a\\u003E, but you won\\u0026rsquo;t receive all-in cost details specific to your situation unless you share your contact information. Because of Garden State\\u0026rsquo;s lack of transparency on rates and fees, it scored 6.6\\\/10.\\u003C\\\/p\\u003E\\r\\n\\u003Ch3\\u003EAvailability: 6.6\\\/10\\u003C\\\/h3\\u003E\\r\\n\\u003Cp\\u003EGarden State Home Loans is based in New Jersey and works with borrowers in several East Coast states and Michigan. The lender offers both conventional loans and government-backed loans (FHA, VA and USDA), as well as jumbo loans for higher-priced properties. In addition, it offers some specialty products for investors like debt service coverage ratio (DSCR) loans and other non-qualified (non-QM) loans. Generally, you\\u0026rsquo;ll need a credit score of at least 640 to be eligible for a conventional loan, but there are also \\u003Ca href=\\u0022\\\/mortgages\\\/types-of-mortgages\\\/\\u0022\\u003Eloan options\\u003C\\\/a\\u003E for those with scores as low as 580. Because of Garden State\\u0026rsquo;s somewhat limited geographic footprint, it scored 6.6\\\/10.\\u003C\\\/p\\u003E\\r\\n\\u003Ch3\\u003EBorrower experience: 8.6\\\/10\\u003C\\\/h3\\u003E\\r\\n\\u003Cp\\u003ESince being established in 2011, Garden State Home Loans has funded $5.6 billion in mortgages for tens of thousands of borrowers. The lender is accredited by the Better Business Bureau and has an A+ rating from the organization. You can apply for a preapproval (and your loan) online through the Garden State Home Loans website. You can also track your loan\\u0027s progress through the lender\\u0026rsquo;s online portal, and ask questions via chat. The lender is available seven days a week from 9 a.m. to 9 p.m. ET. You can also make an appointment with a loan officer outside those hours, if needed. Based on solid customer service, Garden State received an 8.6\\\/10.\\u003C\\\/p\\u003E\\r\\n\\u003Ch2 dir=\\u0022ltr\\u0022\\u003ERefinancing with Garden State Home Loans\\u003C\\\/h2\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EGarden State Home Loans offers both rate-and-term and \\u003Ca href=\\u0022\\\/mortgages\\\/cash-out-refinancing\\\/\\u0022\\u003Ecash-out refinancing\\u003C\\\/a\\u003E options for a variety of loan types.\\u0026nbsp;\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003E\\u003Cstrong id=\\u0022docs-internal-guid-6fa7fdde-7fff-4778-d426-85f458f83305\\u0022\\u003ELearn more: \\u003Ca href=\\u0022\\\/mortgages\\\/choose-the-right-kind-of-refinance\\\/\\u0022\\u003EChoose the right kind of refinance\\u003C\\\/a\\u003E\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\r\\n\\u003Ch2 dir=\\u0022ltr\\u0022\\u003EHow to apply for a mortgage with Garden State Home Loans\\u003C\\\/h2\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EYou can apply for a mortgage with Garden State Home Loans online or by phone at 877-830-0943. Here are some tips:\\u003C\\\/p\\u003E\\r\\n\\u003Col\\u003E\\r\\n\\u003Cli dir=\\u0022ltr\\u0022 aria-level=\\u00221\\u0022\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022 role=\\u0022presentation\\u0022\\u003E\\u003Cstrong\\u003ECheck your credit report.\\u003C\\\/strong\\u003E It\\u0026rsquo;s important to \\u003Ca href=\\u0022\\\/mortgages\\\/improve-credit-before-mortgage\\\/\\u0022\\u003Echeck your credit\\u003C\\\/a\\u003E report before your lender does, in case there are errors that could impact not only whether you get preapproved but also your ability to get the best \\u003Ca href=\\u0022\\\/mortgages\\\/mortgage-rates\\\/\\u0022\\u003Emortgage rate\\u003C\\\/a\\u003E. Knowing your credit score also helps you decide what type of loan to apply for. If your score is in the very low 600s, for instance, an FHA mortgage might be best for you, as its standards are more lenient than those for conventional loans.\\u003C\\\/p\\u003E\\r\\n\\u003C\\\/li\\u003E\\r\\n\\u003Cli dir=\\u0022ltr\\u0022 aria-level=\\u00221\\u0022\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022 role=\\u0022presentation\\u0022\\u003E\\u003Cstrong\\u003EGather personal and financial documents.\\u003C\\\/strong\\u003E With any lender, you must \\u003Ca href=\\u0022\\\/mortgages\\\/documents-for-preapproval\\\/\\u0022\\u003Esupply documentation\\u003C\\\/a\\u003E about your income, assets and debts. This includes pay stubs and W-2s and account and loan statements.\\u003C\\\/p\\u003E\\r\\n\\u003C\\\/li\\u003E\\r\\n\\u003Cli dir=\\u0022ltr\\u0022 aria-level=\\u00221\\u0022\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022 role=\\u0022presentation\\u0022\\u003E\\u003Cstrong\\u003EProvide details about the property.\\u003C\\\/strong\\u003E You\\u0026rsquo;ll need to provide the address of the home and submit to an \\u003Ca href=\\u0022\\\/real-estate\\\/home-appraisals\\\/\\u0022\\u003Eappraisal\\u003C\\\/a\\u003E. (If you\\u0026rsquo;re refinancing, you might or might not need an appraisal.)\\u003C\\\/p\\u003E\\r\\n\\u003C\\\/li\\u003E\\r\\n\\u003C\\\/ol\\u003E\\r\\n\\u003Cp\\u003E\\u003Cstrong id=\\u0022docs-internal-guid-2eb665e8-7fff-6af9-3a78-d010525b0d91\\u0022\\u003ELearn more: \\u003Ca href=\\u0022\\\/mortgages\\\/how-to-get-a-mortgage\\\/\\u0022\\u003EHow to get a mortgage\\u003C\\\/a\\u003E\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003E[sc code=\\u0027accordion\\u0027 title=\\u0027Methodology\\u0027 body=\\u0027\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003ETo determine a mortgage lender\\u0026rsquo;s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars \\u0026mdash; with five (5) the highest rating \\u0026mdash; based on a variety of factors relating to the lender\\u0026rsquo;s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:\\u003C\\\/p\\u003E\\r\\n\\u003Cul\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003EAffordability:\\u003C\\\/strong\\u003E Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%\\u003C\\\/li\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003EAvailability:\\u003C\\\/strong\\u003E Loan products - 50%; licensing - 40%; credit score - 10%\\u003C\\\/li\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003EBorrower experience:\\u003C\\\/strong\\u003E Rate transparency - 45%; customer service - 25%; convenience - 10%; days to close - 10%; rate locks - 10%; reputation (bonus)\\u003C\\\/li\\u003E\\r\\n\\u003C\\\/ul\\u003E\\r\\n\\u003Cp\\u003ELearn more about our \\u003Ca href=\\u0022\\\/mortgages\\\/lender-review-methodology\\\/\\u0022\\u003Emethodology\\u003C\\\/a\\u003E.\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003E\\u003Cstrong\\u003EHow we suggest lenders to compare\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003ETo help you make the most informed decisions, our editorial team suggests two (2) alternative mortgage lenders for each lender reviewed in our comparison table. In most cases, these alternatives 1.) share the same strength (affordability, availability or borrower experience) as the lender reviewed; and 2.) rate highly for Bankrate Score. In the event more than two lenders meet these standards, we suggest the ones with the lowest APRs.\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003E\\u0027]\\u003C\\\/p\\u003E\u0022,\u0022comparable_lenders_id\u0022:[],\u0022created_at\u0022:\u00222022-10-24T23:36:08.000000Z\u0022,\u0022updated_at\u0022:\u00222024-07-16T17:50:44.000000Z\u0022,\u0022author_id\u0022:959,\u0022editor_id\u0022:1432,\u0022meta_description_override\u0022:\u0022Learn more about Garden State Home Loans\\u0027 mortgages and compare this lender to others.\u0022,\u0022myfi_creative_set_id_override\u0022:null,\u0022at_a_glance_myfi_widget_id_override\u0022:null,\u0022at_a_glance_myfi_ad_id_override\u0022:null,\u0022scheduled_update\u0022:null,\u0022meta_title_tag\u0022:\u0022Garden State Home Loans Mortgage Review 2024 | Bankrate\u0022,\u0022pros_cons_heading\u0022:\u0022Pros and cons of Garden State Home Loans\u0022,\u0022seo_updated_at\u0022:\u00222024-07-16T17:50:44.000000Z\u0022},\u0022consumer\u0022:{\u0022sortBy\u0022:\u0022created_at\u0022,\u0022sortDirection\u0022:\u0022desc\u0022,\u0022total\u0022:4,\u0022limit\u0022:10,\u0022results\u0022:[{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:64930,\u0022advertiserId\u0022:7950,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Could not have bought my house without them\u0022,\u0022content\u0022:\u0022Joe was the best. I was 90% of the way financed with another lender when suddenly they botched my loan 1 week before settlement. I reached out to Joe and he saved the day (and my deal). He and his team got me a mortgage at a rate way lower than my other lender and did it in an insane amount of time - which is to say super quick! Thanks again Joe! (and team). Couldn\\u0027t have happened without you.\u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022John K.\u0022,\u0022location\u0022:\u0022Cape May\u0022},\u0022ip\u0022:\u0022170.85.73.3\u0022,\u0022createdAt\u0022:\u00222024-11-05T19:53:17\u0022,\u0022updatedAt\u0022:\u00222024-11-08T15:26:22\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:61646,\u0022advertiserId\u0022:7950,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Amazing Experience with Susan \\u0026 her team\u0022,\u0022content\u0022:\u0022I found Garden State Home Loans on Google after doing extensive research on different lenders. When I submitted an inquiry online to Garden State Loans, I was assigned to Susan. Susan was so friendly and helpful throughout our entire search, which took a few months! From the beginning, she was always writing updated preapproval letters for our offers and calling or emailing to check in on a weekly basis. We had an amazing experience with Susan and her teammate Paige! Both Susan and Paige made our process so easy and seamless! We had lots of questions and they both responded within minutes to anything we asked, which is unheard of! Our appraisal was able to be waived, which was a huge help for us since we had a $15,000 appraisal gap written into our contract. I appreciate everything that Susan and Paige did to help us throughout our home purchase and would highly recommend them to anyone looking to buy a home in South Jersey! \u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Vivian\u0022,\u0022location\u0022:\u0022Marlton, NJ\u0022},\u0022ip\u0022:\u0022108.24.102.173\u0022,\u0022createdAt\u0022:\u00222024-08-06T15:42:53\u0022,\u0022updatedAt\u0022:\u00222024-08-07T14:04:46\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:61040,\u0022advertiserId\u0022:7950,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u00225 star\u0022,\u0022content\u0022:\u0022It was a pleasure working with my loan officer, Joe. From the initial consultation to the final approval, Joe was incredibly knowledgable, responsive, and supportive.\\nI highly recommend Garden State Home Loans and Joe. 10\\\/10 for everything from the most competitive rate offered to the support provided until the closing.\u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Ali\u0022,\u0022location\u0022:\u0022Twp of Washington, NJ\u0022},\u0022ip\u0022:\u002274.102.109.215\u0022,\u0022createdAt\u0022:\u00222024-07-03T09:30:03\u0022,\u0022updatedAt\u0022:\u00222024-07-03T14:42:54\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:57933,\u0022advertiserId\u0022:7950,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Joe is the man!\u0022,\u0022content\u0022:\u0022Very happy with my experience. Joe gave me a much better rate and was able to close in two weeks.\\n\\nMuch appreciated \u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Bill\u0022,\u0022location\u0022:\u0022Michigan\u0022},\u0022ip\u0022:\u002298.97.12.94\u0022,\u0022createdAt\u0022:\u00222023-11-27T10:10:02\u0022,\u0022updatedAt\u0022:\u00222023-12-02T16:25:55\u0022}],\u0022advertiserSummaries\u0022:[{\u0022advertiserId\u0022:7950,\u0022avgRatings\u0022:{\u0022knowledge\u0022:4.98,\u0022levelOfService\u0022:4.97,\u0022overall\u0022:4.98,\u0022professionalism\u0022:4.97,\u0022responsiveness\u0022:4.96},\u0022overallRatingBreakdown\u0022:{\u0022oneStarCount\u0022:2,\u0022twoStarCount\u0022:0,\u0022threeStarCount\u0022:0,\u0022fourStarCount\u0022:6,\u0022fiveStarCount\u0022:557},\u0022recommendPercent\u0022:99,\u0022reviewsCount\u0022:565}]}}'), 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<p class="type-body-three mb-2 text-slate md:display-block display-none mx-4">|</p> <p class="type-body-three mb-2 text-slate text-center"> </p> </div> </div> <div class="md:col-span-1 col-span-3 text-center"> <p class="type-heading-two mb-2" x-html="review.editorial?.bankrate_score.toFixed(1)"> 3.6</p> <div class="RatingStars" id="star-rating-bankrate-43db2fec-1ce3-45bb-9e4e-c034ed784eea"> <span class="visually-hidden">Rating: <span x-html="review.editorial?.bankrate_score.toFixed(1)">3.6</span> stars out of 5</span> <div class="RatingStars-iconMask" style="width: 72%;"> <ul class="RatingStars-iconContainer"> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M15.706 8.327 12 1.262v.015L8.294 8.341 0 9.47l6.024 5.492-1.42 7.776 7.412-3.665 7.411 3.665-1.42-7.776L24 9.455l-8.294-1.128ZM12 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fill-rule="evenodd" clip-rule="evenodd" d="M15.706 8.327 12 1.262v.015L8.294 8.341 0 9.47l6.024 5.492-1.42 7.776 7.412-3.665 7.411 3.665-1.42-7.776L24 9.455l-8.294-1.128ZM12 4.617l2.665 5.075 5.945.816-4.305 3.948 1.01 5.58h-.001l-1.01-5.58 4.306-3.948-5.945-.816L12 4.616Zm0 12.792-5.314 2.627L12 17.41Z" class="icon-base"/></svg></li> </ul> </div> <ul class="RatingStars-iconContainer"> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> </ul> </div> <div class="type-body-three text-slate">Bankrate Score <div id="tb823e0df-a9c0-40c4-bd22-3d1de7eac415" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class="type-body-two font-circular-book m-0" style="text-transform: none"> Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. </p></div> </div> <div class="display-inline-block ml-1 cursor-pointer TooltipFix"> <div x-data data-tippy-maxWidth="none" data-template="tb823e0df-a9c0-40c4-bd22-3d1de7eac415" role="tooltip" tabIndex="0"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> </div> <ul class="Accordion w-full"> <li x-id="['panel-about-the-lender', 'heading-about-the-lender']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item ContentAccordionFix" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-about-the-lender')" :aria-controls="$id('panel-about-the-lender')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> About the Lender </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-about-the-lender')" :labelledBy="$id('heading-about-the-lender')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Bankrate's take</p> <p class="type-body-one text-slate LineClamp LineClamp-5 md:LineClamp-3" x-html="review.editorial?.editors_take ?? '-'"> Garden State Home Loans doesn’t solely work with borrowers in New Jersey; it also lends in a handful of other states, including Florida, New York, Pennsylvania and Texas. While that limits who can work with this lender, if you’re in one of its operating states, Garden State can be a smart choice if you’re looking for dedicated service — including a loan officer available nights and weekends — and swift closings.</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Loans offered</p> <p class="type-body-one text-slate LineClamp LineClamp-3 md:LineClamp-2" x-html="review.editorial?.loan_types_text"> Conventional, jumbo, FHA, VA, USDA, refinancing and more</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. credit score required</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.credit_info_text"></p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Nationwide availability</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.nationwide_availability_text"> Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Pennsylvania, Tennessee, Texas and Virginia</p> </div> <div class="mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. down payment</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.down_payment_text ?? '-'"> 3% for conventional loans, 3.5% for FHA loans, none for VA loans or USDA loans</p> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-about-the-lender')" :labelledBy="$id('heading-about-the-lender')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Bankrate's take</p> <p class="type-body-one text-slate LineClamp LineClamp-5 md:LineClamp-3" x-html="review.editorial?.editors_take ?? '-'"> Garden State Home Loans doesn’t solely work with borrowers in New Jersey; it also lends in a handful of other states, including Florida, New York, Pennsylvania and Texas. While that limits who can work with this lender, if you’re in one of its operating states, Garden State can be a smart choice if you’re looking for dedicated service — including a loan officer available nights and weekends — and swift closings.</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Loans offered</p> <p class="type-body-one text-slate LineClamp LineClamp-3 md:LineClamp-2" x-html="review.editorial?.loan_types_text"> Conventional, jumbo, FHA, VA, USDA, refinancing and more</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. credit score required</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.credit_info_text"></p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Nationwide availability</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.nationwide_availability_text"> Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Pennsylvania, Tennessee, Texas and Virginia</p> </div> <div class="mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. down payment</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.down_payment_text ?? '-'"> 3% for conventional loans, 3.5% for FHA loans, none for VA loans or USDA loans</p> </div> </div> </div> </noscript> </li> </ul> <div class="text-center"> <div class="display-flex column-v mb-5"> <p class="type-heading-three mb-0 mt-1">Recent Customer Reviews</p> <div id="t656919bd-c193-400b-ac58-8d1068db22b4" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.</div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="t656919bd-c193-400b-ac58-8d1068db22b4" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> <div class="display-flex column-v gap-5 mb-2"> <div class="star-rating star-rating--number-size-sm" id="star-rating-consumer-43db2fec-1ce3-45bb-9e4e-c034ed784eea" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.98 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 83.6%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <p class="type-heading-four mb-0" x-html="review.consumer.advertiserSummaries?.[0]?.avgRatings?.overall?.toFixed(1) ?? '0'"> 5.0</p> </div> <p class="type-body-three text-slate mb-5"> <a id="consumer-reviews-link-43db2fec-1ce3-45bb-9e4e-c034ed784eea" href="https://www.bankrate.com/mortgages/reviews/garden-state-home-loans/#customer-ratings-and-reviews" x-html="`${review.consumer.advertiserSummaries?.[0]?.reviewsCount ?? '0'} reviews`"> 565 reviews </a> </p> </div> <div> <div> <ul class="Accordion w-full"> <template x-for="consumerReview in review.consumer.results.slice(0, 2)"> <li x-data="{ expanded: false }" class="Accordion-item"> <button class="Accordion-titleContainer py-2 sm:px-6 sm:py-5 group" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"> <div class="Accordion-title mr-2 md:flex-1 my-0" style="max-width:85%"> <div class="flex flex-col align-items-flex-start"> <p class="font-circular-bold mb-0" x-text="consumerReview.title" style="text-wrap:nowrap; text-overflow:ellipsis; overflow:hidden;"></p> <div class="flex space-x-0 bg-gray-100"> <div class="star-rating" id="star-rating-39944ee7-bab8-4870-8c64-aca582a605bf" style="font-size: px"> <span class="visually-hidden">Rating: 4.39 stars out of 5</span> <template x-for="i in 5" :key="index"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke="#ffb136" d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <template x-if="i <= consumerReview.ratings.overall"> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill="#ffb136" d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </template> <template x-if="i > consumerReview.ratings.overall && i - consumerReview.ratings.overall < 1"> <div class="star-rating__fill" :style="`width: ${(consumerReview.ratings.overall - i)*100}%`"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill="#ffb136" d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </template> </div> </template> </div> </div> </div> </div> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> <div class="Accordion-contentWrapper" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p style="display: -webkit-box; -webkit-line-clamp: 5; -webkit-box-orient: vertical; overflow: hidden;" x-text="consumerReview.content"></p> </div> </div> </li> </template> </ul> </div> <div class="text-center"> <a id="read-full-review-btn-43db2fec-1ce3-45bb-9e4e-c034ed784eea" href="https://www.bankrate.com/mortgages/reviews/garden-state-home-loans/" class="Button Button--primary">Read full lender review</a> </div> </div> </div> <div class="box-shadow-1 rounded-lg border-blue border-t-4 p-4" x-data="mortgageLenderCompare( JSON.parse('[{\u0022advertiserId\u0022:10608,\u0022name\u0022:\u0022Veterans United Home Loans\u0022},{\u0022advertiserId\u0022:9361,\u0022name\u0022:\u0022Bethpage Federal Credit Union\u0022},{\u0022advertiserId\u0022:1737,\u0022name\u0022:\u0022Texas Trust Home Loans\u0022},{\u0022advertiserId\u0022:4213,\u0022name\u0022:\u0022E-Click Lending\u0022},{\u0022advertiserId\u0022:10534,\u0022name\u0022:\u0022Blue Spot Home Loans\u0022},{\u0022advertiserId\u0022:11861,\u0022name\u0022:\u0022First Mortgage Direct\u0022},{\u0022advertiserId\u0022:10653,\u0022name\u0022:\u0022Wells Fargo Bank\u0022},{\u0022advertiserId\u0022:11904,\u0022name\u0022:\u0022New American Funding - CPC\u0022},{\u0022advertiserId\u0022:8185,\u0022name\u0022:\u0022Cardinal Financial Company\u0022},{\u0022advertiserId\u0022:10427,\u0022name\u0022:\u0022U.S. Bank\u0022},{\u0022advertiserId\u0022:8860,\u0022name\u0022:\u0022One True Loan, Inc.\u0022},{\u0022advertiserId\u0022:11966,\u0022name\u0022:\u0022PenFed\u0022},{\u0022advertiserId\u0022:11968,\u0022name\u0022:\u0022Sage Home Loans\u0022},{\u0022advertiserId\u0022:11878,\u0022name\u0022:\u0022Mutual of Omaha Mortgage, Inc.\u0022},{\u0022advertiserId\u0022:10612,\u0022name\u0022:\u0022Old National Bank\u0022},{\u0022advertiserId\u0022:9934,\u0022name\u0022:\u0022Rocket Mortgage\u0022},{\u0022advertiserId\u0022:11902,\u0022name\u0022:\u0022Real Genius\u0022},{\u0022advertiserId\u0022:9722,\u0022name\u0022:\u0022Better.com\u0022},{\u0022advertiserId\u0022:7627,\u0022name\u0022:\u0022Flagstar Bank\u0022},{\u0022advertiserId\u0022:11835,\u0022name\u0022:\u0022SoFi Bank\u0022},{\u0022advertiserId\u0022:11731,\u0022name\u0022:\u0022Mr. Cooper\u0022},{\u0022advertiserId\u0022:12003,\u0022name\u0022:\u0022Alliant Credit Union\u0022},{\u0022advertiserId\u0022:10438,\u0022name\u0022:\u0022Homefinity\u0022},{\u0022advertiserId\u0022:10295,\u0022name\u0022:\u0022Allied Mortgage Group\u0022},{\u0022advertiserId\u0022:8015,\u0022name\u0022:\u0022Watermark Home Loans\u0022},{\u0022advertiserId\u0022:10026,\u0022name\u0022:\u0022First Citizens Bank, formerly CIT Bank (Mortgage)\u0022},{\u0022advertiserId\u0022:11845,\u0022name\u0022:\u0022Tomo\u0022},{\u0022advertiserId\u0022:10041,\u0022name\u0022:\u0022PNC Bank\u0022},{\u0022advertiserId\u0022:10124,\u0022name\u0022:\u0022Citizens One Home Mortgage\\\/ Citizens Bank NA\u0022},{\u0022advertiserId\u0022:11728,\u0022name\u0022:\u0022Morty\u0022},{\u0022advertiserId\u0022:11883,\u0022name\u0022:\u0022Chase\u0022},{\u0022advertiserId\u0022:8189,\u0022name\u0022:\u0022CitiBank, N.A.\u0022},{\u0022advertiserId\u0022:10500,\u0022name\u0022:\u0022HSBC Bank USA, N.A\u0022},{\u0022advertiserId\u0022:11785,\u0022name\u0022:\u0022Reliant Home Funding, Inc.\u0022},{\u0022advertiserId\u0022:2336,\u0022name\u0022:\u0022Third Federal Savings and Loan Association of Cleveland\u0022},{\u0022advertiserId\u0022:10682,\u0022name\u0022:\u0022loanDepot\u0022},{\u0022advertiserId\u0022:7604,\u0022name\u0022:\u0022Optimum First Mortgage\u0022},{\u0022advertiserId\u0022:8103,\u0022name\u0022:\u0022Direct Home Lending\u0022},{\u0022advertiserId\u0022:8111,\u0022name\u0022:\u0022NationsChoice Mortgage\u0022},{\u0022advertiserId\u0022:10434,\u0022name\u0022:\u0022NBKC Bank\u0022},{\u0022advertiserId\u0022:10330,\u0022name\u0022:\u0022Freedom Mortgage - HELOC\u0022},{\u0022advertiserId\u0022:10459,\u0022name\u0022:\u0022AmeriSave Mortgage Corporation\u0022},{\u0022advertiserId\u0022:10632,\u0022name\u0022:\u0022Wyndham Capital Mortgage\u0022},{\u0022advertiserId\u0022:11719,\u0022name\u0022:\u0022FindAMortgageBroker.com\u0022},{\u0022advertiserId\u0022:10436,\u0022name\u0022:\u0022Renasant Bank\u0022},{\u0022advertiserId\u0022:9463,\u0022name\u0022:\u0022Home Point Financial\u0022},{\u0022advertiserId\u0022:10491,\u0022name\u0022:\u0022SmartMortgage.com\u0022},{\u0022advertiserId\u0022:10665,\u0022name\u0022:\u0022Movement Mortgage\u0022},{\u0022advertiserId\u0022:12025,\u0022name\u0022:\u0022Pennymac\u0022},{\u0022advertiserId\u0022:8612,\u0022name\u0022:\u0022Crosscounty Mortgage, Inc\u0022},{\u0022advertiserId\u0022:11852,\u0022name\u0022:\u0022Wintrust Mortgage\u0022},{\u0022advertiserId\u0022:9280,\u0022name\u0022:\u0022Philadelphia Mortgage Advisors, Inc \u0022},{\u0022advertiserId\u0022:10317,\u0022name\u0022:\u0022American Federal Mortgage Corporation- MTG\u0022},{\u0022advertiserId\u0022:10289,\u0022name\u0022:\u0022Lower\u0022},{\u0022advertiserId\u0022:11758,\u0022name\u0022:\u0022Fairway Independent Mortgage Corporation\u0022},{\u0022advertiserId\u0022:11855,\u0022name\u0022:\u0022TD Bank\u0022},{\u0022advertiserId\u0022:10599,\u0022name\u0022:\u0022NewFED Mortgage\u0022},{\u0022advertiserId\u0022:11965,\u0022name\u0022:\u0022First Federal Bank Mortgage Lenders\u0022},{\u0022advertiserId\u0022:11905,\u0022name\u0022:\u0022Rate\u0022},{\u0022advertiserId\u0022:10693,\u0022name\u0022:\u0022ZeroMortgage\u0022},{\u0022advertiserId\u0022:10530,\u0022name\u0022:\u0022LOWRATES.COM\u0022},{\u0022advertiserId\u0022:10390,\u0022name\u0022:\u0022CF Bank - MTG\u0022},{\u0022advertiserId\u0022:10094,\u0022name\u0022:\u0022goodmortgage.com\\\/First Guaranty Mortgage Corp\u0022},{\u0022advertiserId\u0022:6702,\u0022name\u0022:\u0022PHH Home Loans Mid-Atlantic\u0022},{\u0022advertiserId\u0022:11733,\u0022name\u0022:\u0022United Wholesale\u0022},{\u0022advertiserId\u0022:9938,\u0022name\u0022:\u0022Carrington Mortgage Services, LLC\u0022},{\u0022advertiserId\u0022:10180,\u0022name\u0022:\u0022First Rate Mortgage\u0022},{\u0022advertiserId\u0022:7950,\u0022name\u0022:\u0022Garden State Home Loans\u0022},{\u0022advertiserId\u0022:6538,\u0022name\u0022:\u0022HomeLend Mortgage\u0022},{\u0022advertiserId\u0022:10648,\u0022name\u0022:\u0022Best Rate USA\u0022},{\u0022advertiserId\u0022:7834,\u0022name\u0022:\u0022HomePlus Mortgage\u0022},{\u0022advertiserId\u0022:10261,\u0022name\u0022:\u0022Accelin Loans\u0022},{\u0022advertiserId\u0022:8420,\u0022name\u0022:\u0022Sebonic Financial\u0022},{\u0022advertiserId\u0022:7793,\u0022name\u0022:\u0022Anchor Home Mortgage, Inc.\u0022},{\u0022advertiserId\u0022:10271,\u0022name\u0022:\u0022Ally Bank\u0022},{\u0022advertiserId\u0022:11846,\u0022name\u0022:\u0022Homeside Financial\u0022},{\u0022advertiserId\u0022:10615,\u0022name\u0022:\u0022Orchard Mortgage, LLC\u0022},{\u0022advertiserId\u0022:11763,\u0022name\u0022:\u0022Zillow Home Loans\u0022}]'), JSON.parse('{\u0022advertiserId\u0022:10438,\u0022name\u0022:\u0022Homefinity\u0022,\u0022seoNameSlug\u0022:\u0022homefinity\u0022,\u0022nmls\u0022:\u00222289\u0022,\u0022stateLicense\u0022:\u00224965\u0022,\u0022editorial\u0022:{\u0022id\u0022:1,\u0022wp_post_id\u0022:\u0022424806\u0022,\u0022advertiser_id\u0022:\u002210438\u0022,\u0022seo_name\u0022:\u0022Homefinity\u0022,\u0022page_name\u0022:\u0022Homefinity Mortgage Review 2024\u0022,\u0022type\u0022:\u0022network\u0022,\u0022bankrate_score\u0022:4.5,\u0022show_logo\u0022:true,\u0022is_recommended\u0022:0,\u0022nationwide_availability_text\u0022:\u0022All U.S. states except New York\u0022,\u0022loan_types_text\u0022:\u0022Conventional, FHA, VA, refinancing and more\u0022,\u0022down_payment_text\u0022:\u00223% for conventional loans, 3.5% for FHA loans, none for VA loans or USDA loans\u0022,\u0022get_started_text\u0022:\u0022Borrowers can apply online, by phone or via the Homefinity Xpress app.\u0022,\u0022credit_info_text\u0022:\u0022620 for conventional loans, 600 or higher for FHA loans and VA loans (can be lower in some cases)\u0022,\u0022pros_bullets\u0022:\u0022\\u003Cul\\u003E\\u003Cli\\u003EApply online, by phone or via Xpress app\\u003C\\\/li\\u003E\\u003Cli\\u003ELoan originators available around the clock, and borrowers communicate with the same person from start to finish\\u003C\\\/li\\u003E\\u003Cli\\u003EReal-time prequalification or same or next-day preapproval\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\u0022,\u0022cons_bullets\u0022:\u0022\\u003Cul\\u003E\\u003Cli\\u003ENot available in New York\\u003C\\\/li\\u003E\\u003Cli\\u003ENot all loan originators licensed across all states\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\u0022,\u0022editors_take\u0022:\u0022Homefinity is an imprint of Fairway Independent Mortgage, one of the top five mortgage lenders in the U.S. It offers many of the perks of an online lender, including up-to-the-minute rates and calculators to help you estimate your homebuying budget, refinance savings and more. If you\\u2019re looking for a lender with a fast, convenient process, Homefinity could be a good choice for you. Also, if you\\u2019re a medical professional, Homefinity can help you get financing for your unique financial situation.\u0022,\u0022overview_text\u0022:\u0022\\u003Cp dir=\\u0022ltr\\u0022\\u003EHomefinity is an online mortgage lender affiliated with \\u003Ca href=\\u0022\\\/mortgages\\\/reviews\\\/fairway-independent-mortgage-corporation\\\/\\u0022\\u003EFairway Independent Mortgage Corporation\\u003C\\\/a\\u003E and headquartered in Madison, Wisconsin. Launched in 2018, the lender is licensed in 49 states (not New York) and Washington, D.C.\\u0026nbsp;\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003EOf the benefits of working with Homefinity, the lender sets itself apart with fast underwriting, with closings for a purchase averaging 30 days. As it\\u0026rsquo;s part of one of the country\\u0026rsquo;s top mortgage originators, it\\u0026rsquo;s a popular choice for many borrowers.\\u003C\\\/p\\u003E\u0022,\u0022rich_content\u0022:\u0022\\u003Ch2\\u003EHow Bankrate scored Homefinity\\u003C\\\/h2\\u003E\\r\\n\\u003Ch3\\u003EAffordability: 9.8\\\/10\\u003C\\\/h3\\u003E\\r\\n\\u003Cp\\u003EHomefinity showcases its latest \\u003Ca href=\\u0022http:\\\/\\\/www.bankrate.com\\\/mortgages\\\/mortgage-rates\\\/\\u0022\\u003Emortgage rates\\u003C\\\/a\\u003E on its website, and doesn\\u0026rsquo;t charge lender fees. As of this review, the lender\\u0026rsquo;s adjusted percentage rate (APR) on 30-year loans were below Bankrate\\u0026rsquo;s averages, making it a favorable option for those looking to compare the lowest rates. APR is a reflection of both interest rates and fees, so going with Homefinity could come with some lower \\u003Ca href=\\u0022\\\/mortgages\\\/what-are-closing-costs\\\/\\u0022\\u003Eclosing costs\\u003C\\\/a\\u003E.\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003ELargely because of Homefinity\\u0026rsquo;s below-average APR, they score a 9.8\\\/10.\\u003C\\\/p\\u003E\\r\\n\\u003Ch3\\u003EAvailability: 10\\\/10\\u003C\\\/h3\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EHomefinity provides \\u003Ca href=\\u0022\\\/mortgages\\\/types-of-mortgages\\\/\\u0022\\u003Econventional, FHA and VA mortgages\\u003C\\\/a\\u003E, as well as loans tailored to physicians. The lender is available in most states nationwide.\\u003C\\\/p\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EBecause of Homefinity\\u0026rsquo;s lower credit score requirements, loan variety and nationwide availability, it gets a 10\\\/10.\\u003C\\\/p\\u003E\\r\\n\\u003Ch3\\u003EBorrower experience: 7.3\\\/10\\u003C\\\/h3\\u003E\\r\\n\\u003Cp\\u003EHomefinity parent Fairway Independent Mortgage has been accredited with the Better Business Bureau since 2003 with an A+ rating. Fairway also ranked above average in \\u003Ca href=\\u0022https:\\\/\\\/www.jdpower.com\\\/business\\\/press-releases\\\/2022-us-mortgage-origination-satisfaction-study\\u0022\\u003EJ.D. Power\\u0026rsquo;s\\u003C\\\/a\\u003E 2021 and 2022 customer satisfaction surveys for mortgage origination.\\u003C\\\/p\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EGetting a mortgage through Homefinity starts with visiting Home.com or by calling 800-614-1227. From there, you connect with a loan officer who will walk you through the process.\\u003C\\\/p\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EBecause Homefinity requires you to submit contact information to see rates and it has limited customer service contact options, it scores a 7.3\\\/10.\\u003C\\\/p\\u003E\\r\\n\\u003Ch2 dir=\\u0022ltr\\u0022\\u003ERefinancing with Homefinity\\u0026nbsp;\\u003C\\\/h2\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003EHomefinity offers rate-and-term refinancing for various loan types. Depending on your goals and current mortgage, you can explore lowering your rate or changing the length of your loan term.\\u003C\\\/p\\u003E\\r\\n\\u003Cp dir=\\u0022ltr\\u0022\\u003E\\u003Cstrong id=\\u0022docs-internal-guid-1df0951e-7fff-7d23-e1d3-ea63a2e06cc6\\u0022\\u003E\\u003Cbr\\u003ELearn more: \\u003Ca href=\\u0022\\\/mortgages\\\/choose-the-right-kind-of-refinance\\\/\\u0022\\u003EHow to choose the right refinance for you.\\u003C\\\/a\\u003E\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\r\\n\\u003Ch2\\u003EHow to apply for a mortgage with Homefinity\\u003C\\\/h2\\u003E\\r\\n\\u003Cp\\u003EYou can apply for a mortgage with Homefinity online or by phone at 800-614-1227. Here are some tips to prepare for the process:\\u003C\\\/p\\u003E\\r\\n\\u003Col\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003ECheck your \\u003Ca href=\\u0022\\\/mortgages\\\/improve-credit-before-mortgage\\\/\\u0022\\u003Ecredit report\\u003C\\\/a\\u003E.\\u003C\\\/strong\\u003E It\\u0026rsquo;s important to check your credit report before your lender does, in case there are errors that could impact not only whether you get preapproved but also your ability to get the best mortgage rate. Knowing your credit score also helps you decide what type of loan to apply for. If your score is in the very low 600s, for instance, an FHA mortgage might be best for you, as its standards are more lenient than those for conventional loans.\\u003C\\\/li\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003EGather personal and financial documents.\\u003C\\\/strong\\u003E With any lender, you must \\u003Ca href=\\u0022\\\/mortgages\\\/documents-for-preapproval\\\/\\u0022\\u003Esupply documentation\\u003C\\\/a\\u003E about your income, assets and debts. This includes pay stubs and W-2s and account and loan statements.\\u003C\\\/li\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong id=\\u0022docs-internal-guid-c8947788-7fff-1392-8082-d72f2f3dcb0f\\u0022\\u003EProvide details about the property. \\u003C\\\/strong\\u003EYou\\u0026rsquo;ll need to provide the address of the home and submit to an \\u003Ca href=\\u0022\\\/real-estate\\\/home-appraisals\\\/\\u0022\\u003Eappraisal\\u003C\\\/a\\u003E. (If you\\u0026rsquo;re refinancing, you might or might not need an appraisal.)\\u003C\\\/li\\u003E\\r\\n\\u003C\\\/ol\\u003E\\r\\n\\u003Cp\\u003E\\u003Cstrong id=\\u0022docs-internal-guid-82b822a0-7fff-471e-7caa-c0a400d1bac5\\u0022\\u003ELearn more: \\u003Ca href=\\u0022\\\/mortgages\\\/how-to-get-a-mortgage\\\/\\u0022\\u003EHow to get a mortgage\\u003C\\\/a\\u003E\\u003C\\\/strong\\u003E\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003E[sc code=\\u0027accordion\\u0027 title=\\u0027Methodology\\u0027 body=\\u0027\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003ETo determine a mortgage lender\\u0026rsquo;s Bankrate Score, Bankrate rates lenders on a scale of one (1) to five (5) stars \\u0026mdash; with five (5) the highest rating \\u0026mdash; based on a variety of factors relating to the lender\\u0026rsquo;s products and services. To assign our ratings, we assessed each mortgage lender across three core areas:\\u003C\\\/p\\u003E\\r\\n\\u003Cul\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003EAffordability:\\u003C\\\/strong\\u003E Annual percentage rate (APR) - 80%; assistance for first-time homebuyers - 10%; down payment - 10%\\u003C\\\/li\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003EAvailability:\\u003C\\\/strong\\u003E Loan products - 50%; licensing - 40%; credit score - 10%\\u003C\\\/li\\u003E\\r\\n\\u003Cli\\u003E\\u003Cstrong\\u003EBorrower experience:\\u003C\\\/strong\\u003E Rate transparency - 45%; customer service - 25%; convenience - 10%; days to close - 10%; rate locks - 10%; reputation (bonus)\\u003C\\\/li\\u003E\\r\\n\\u003C\\\/ul\\u003E\\r\\n\\u003Cp\\u003ELearn more about our \\u003Ca href=\\u0022\\\/mortgages\\\/lender-review-methodology\\\/\\u0022\\u003Emethodology\\u003C\\\/a\\u003E.\\u003C\\\/p\\u003E\\r\\n\\u003Cp\\u003E\\u0027]\\u003C\\\/p\\u003E\u0022,\u0022comparable_lenders_id\u0022:[],\u0022created_at\u0022:\u00222022-10-24T23:35:58.000000Z\u0022,\u0022updated_at\u0022:\u00222024-08-05T20:07:57.000000Z\u0022,\u0022author_id\u0022:959,\u0022editor_id\u0022:1432,\u0022meta_description_override\u0022:\u0022Homefinity is a mortgage lender good for in-depth guidance from a dedicated loan officer and a fast, convenient process. Learn more and compare this lender to others.\u0022,\u0022myfi_creative_set_id_override\u0022:null,\u0022at_a_glance_myfi_widget_id_override\u0022:null,\u0022at_a_glance_myfi_ad_id_override\u0022:null,\u0022scheduled_update\u0022:null,\u0022meta_title_tag\u0022:\u0022Homefinity Mortgage Review 2024 | Bankrate\u0022,\u0022pros_cons_heading\u0022:\u0022Pros and cons of Homefinity\u0022,\u0022seo_updated_at\u0022:\u00222024-08-05T20:07:57.000000Z\u0022},\u0022consumer\u0022:{\u0022sortBy\u0022:\u0022created_at\u0022,\u0022sortDirection\u0022:\u0022desc\u0022,\u0022total\u0022:46,\u0022limit\u0022:10,\u0022results\u0022:[{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:59567,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Phenomenal experience with Jack\u0022,\u0022content\u0022:\u0022Where do I start guys??? I am very impressed with the service we received from Jack. Jack is an efficient, reliable and effective professional. He helped us close on our dream home in just nine days, I repeat just \\u201c nine\\u201d days. We couldn\\u2019t be more grateful to have found him. If you\\u2019re in the process of buying a home, do not hesitate to work with Jack, he will get you want you need and on time. Thank you again Jack\u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Michele \\u0026.\u0022,\u0022location\u0022:\u0022Texas \u0022},\u0022ip\u0022:\u002298.200.217.139\u0022,\u0022createdAt\u0022:\u00222024-04-21T15:46:53\u0022,\u0022updatedAt\u0022:\u00222024-04-22T15:31:45\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:59475,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Great experience\u0022,\u0022content\u0022:\u0022It was a pleasure working with Don and team every step of the way. We were able to get a much lower rate than I was finding elsewhere, and with no strings attached. Service was excellent all the way through closing. Would highly recommend Homefinity, and will definitely be using in the future.\u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Peter\u0022,\u0022location\u0022:\u0022Indiana\u0022},\u0022ip\u0022:\u0022204.14.236.210\u0022,\u0022createdAt\u0022:\u00222024-04-16T10:09:03\u0022,\u0022updatedAt\u0022:\u00222024-04-17T12:15:27\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:59188,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Great service with better rates!\u0022,\u0022content\u0022:\u0022I had a pleasant experience working with Homefinity, specifically Jim and his team. They were upfront and provided clear details about the closing costs, mortgage rate, and all the terms. Jim spent quite a bit of time explaining the process and different options for mortgage terms. Once I made the decision to go with them, Jim\\u0027s team completed the whole process in about 2 weeks of time. Plus, I received status updates at each step of their process. Overall, I was quite satisfied the rate they offered and their service. \u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022K\u0022,\u0022location\u0022:\u0022Illinois\u0022},\u0022ip\u0022:\u002273.208.82.167\u0022,\u0022createdAt\u0022:\u00222024-03-19T23:31:24\u0022,\u0022updatedAt\u0022:\u00222024-03-20T09:56:15\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:59046,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Great information for first time homebuyer\u0022,\u0022content\u0022:\u0022Steve and his team were delightful to work with. Steve kept me informed throughout the mortgage process and explained everything to me. Even when I had questions, he was always there to provide a clear-cut answer. I enjoyed working with him and would recommend him to anyone looking to buy or refinance. The information he gave me was vital in closing on time and promptly. \u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022W S.\u0022,\u0022location\u0022:\u0022North New Jersey\u0022},\u0022ip\u0022:\u002296.225.91.130\u0022,\u0022createdAt\u0022:\u00222024-03-05T13:07:15\u0022,\u0022updatedAt\u0022:\u00222024-03-05T16:32:54\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:58973,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Don and his Team were 5 Stars!\u0022,\u0022content\u0022:\u0022Don and his team went above and beyond the call of duty to help with my closing and approval. I just become partner at a CPA firm and most lenders were quick to write me off since I was in a unique situation. Don took the time to understand my situation and guide me throughout the process. 100% will recommend and hope we can work together again! \u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Chandler C.\u0022,\u0022location\u0022:\u0022Hattiesburg , MS\u0022},\u0022ip\u0022:\u002299.36.29.142\u0022,\u0022createdAt\u0022:\u00222024-02-29T21:28:02\u0022,\u0022updatedAt\u0022:\u00222024-03-01T11:28:19\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:58907,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Fast and easy\u0022,\u0022content\u0022:\u0022I worked with Don - he was able to get me a great rate and beat out the other lender I had started with. We got through the process quickly and are headed to a fast close. Highly recommend.\u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Neal B.\u0022,\u0022location\u0022:\u0022VA\u0022},\u0022ip\u0022:\u0022136.226.68.183\u0022,\u0022createdAt\u0022:\u00222024-02-23T15:57:36\u0022,\u0022updatedAt\u0022:\u00222024-02-23T16:06:26\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:58600,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Seamless Refinance Experience with JT and Team\u0022,\u0022content\u0022:\u0022I recently completed a refinance with JT and his team, and I couldn\\u0027t be more satisfied with the entire process. From start to finish, every aspect of the refinance was handled with professionalism and efficiency.\\n\\nFirst and foremost, the rates offered were highly competitive, making the decision to refinance an easy one. Not only were the rates attractive, but JT took the time to explain all the available options, ensuring I was making the best choice for my financial situation.\\n\\nCommunication throughout the entire process was exceptional. JT and his team were always prompt in responding to any questions or concerns I had, providing clear and detailed explanations every step of the way. This level of transparency instilled confidence in me and made the entire process feel smooth and stress-free.\\n\\nWhen it came to costs, I was pleasantly surprised by how transparent and fair they were. There were no hidden fees or unexpected expenses, and JT made sure I fully understood all the associated costs upfront. This transparency was greatly appreciated and made me feel like I was in good hands throughout the refinance process.\\n\\nOverall, working with JT and their team was a fantastic experience. The combination of competitive rates, transparent costs, excellent communication, and a smooth process made this refinance a breeze. I would highly recommend JT and their team to anyone looking to refinance their mortgage. They truly went above and beyond to ensure my satisfaction, and for that, I am extremely grateful. Five stars all around!\u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022DS\u0022,\u0022location\u0022:\u0022Charleston, SC\u0022},\u0022ip\u0022:\u002273.88.83.244\u0022,\u0022createdAt\u0022:\u00222024-02-14T07:55:00\u0022,\u0022updatedAt\u0022:\u00222024-02-14T16:13:36\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:58251,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Effective, Communicative and delivered\u0022,\u0022content\u0022:\u0022Michele and team are a bliss to work with. Professional and effective communication, on-time responses. They were able to navigate any challenges in an effective way. THank you for your support!\u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022KT\u0022,\u0022location\u0022:\u0022Seattle\u0022},\u0022ip\u0022:\u0022109.7.64.19\u0022,\u0022createdAt\u0022:\u00222024-01-28T11:28:49\u0022,\u0022updatedAt\u0022:\u00222024-01-31T11:45:14\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:58192,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Amazing Service, great rates, Hassel free closing\u0022,\u0022content\u0022:\u0022I was working with Jim for my house loan and it was a wonderful experience. Clear communication, very responsive, met all the expectations. I would give them 100 out of 10. \u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022hemandu\u0022,\u0022location\u0022:\u0022Schaumburg,IL\u0022},\u0022ip\u0022:\u0022172.59.200.82\u0022,\u0022createdAt\u0022:\u00222024-01-16T18:06:23\u0022,\u0022updatedAt\u0022:\u00222024-01-17T10:45:49\u0022},{\u0022replies\u0022:null,\u0022sameIpReviews\u0022:null,\u0022id\u0022:58191,\u0022advertiserId\u0022:10438,\u0022vertical\u0022:\u0022mortgage\u0022,\u0022status\u0022:\u0022approved\u0022,\u0022title\u0022:\u0022Great communication. Close on time. \u0022,\u0022content\u0022:\u0022Jim helped me every step of the way. They beat others rates and closed in 3 weeks. \u0022,\u0022ratings\u0022:{\u0022overall\u0022:5,\u0022knowledge\u0022:5,\u0022responsiveness\u0022:5,\u0022professionalism\u0022:5,\u0022levelOfService\u0022:5},\u0022questions\u0022:{\u0022termsHonored\u0022:true,\u0022ratesAndTermsHonored\u0022:null,\u0022closedOnTime\u0022:true,\u0022recommendLender\u0022:true,\u0022closedWithLender\u0022:true,\u0022simpleApplication\u0022:null,\u0022fundsAsPromised\u0022:null},\u0022user\u0022:{\u0022name\u0022:\u0022Kevin\u0022,\u0022location\u0022:\u0022Tennessee\u0022},\u0022ip\u0022:\u002297.148.171.83\u0022,\u0022createdAt\u0022:\u00222024-01-16T09:10:25\u0022,\u0022updatedAt\u0022:\u00222024-01-16T10:12:50\u0022}],\u0022advertiserSummaries\u0022:[{\u0022advertiserId\u0022:10438,\u0022avgRatings\u0022:{\u0022knowledge\u0022:4.95,\u0022levelOfService\u0022:4.95,\u0022overall\u0022:4.94,\u0022professionalism\u0022:4.94,\u0022responsiveness\u0022:4.93},\u0022overallRatingBreakdown\u0022:{\u0022oneStarCount\u0022:11,\u0022twoStarCount\u0022:4,\u0022threeStarCount\u0022:2,\u0022fourStarCount\u0022:3,\u0022fiveStarCount\u0022:1044},\u0022recommendPercent\u0022:98,\u0022reviewsCount\u0022:1064}]}}'), 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mb-2 text-slate md:display-block display-none mx-4">|</p> <p class="type-body-three mb-2 text-slate text-center"> State License: <span x-html="review.stateLicense + ' '" class="md:display-block">4965</span> </p> </div> </div> <div class="md:col-span-1 col-span-3 text-center"> <p class="type-heading-two mb-2" x-html="review.editorial?.bankrate_score.toFixed(1)"> 4.5</p> <div class="RatingStars" id="star-rating-bankrate-de936af9-01d8-4116-a23e-4e5d3cd1ed5e"> <span class="visually-hidden">Rating: <span x-html="review.editorial?.bankrate_score.toFixed(1)">4.5</span> stars out of 5</span> <div class="RatingStars-iconMask" style="width: 90%;"> <ul class="RatingStars-iconContainer"> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M15.706 8.327 12 1.262v.015L8.294 8.341 0 9.47l6.024 5.492-1.42 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class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> <li class="RatingStars-icon Icon Icon--xs"> <svg class="Icon-glyph icon-base-blue" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Star Empty Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="m12 1.262 3.706 7.065L24 9.455l-5.992 5.506 1.42 7.776-7.412-3.665-7.412 3.665 1.42-7.776L0 9.469l8.294-1.128L12 1.277v-.015Zm2.665 8.43L12 4.616 9.335 9.692l-5.945.816 4.305 3.948-1.01 5.58L12 17.41l5.314 2.627-1.01-5.58 4.306-3.948-5.945-.816Z" class="icon-base"/></svg></li> </ul> </div> <div class="type-body-three text-slate">Bankrate Score <div id="te2a7f341-6924-4021-848e-871dd62f59e3" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> <p class="type-body-two font-circular-book m-0" style="text-transform: none"> Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. </p></div> </div> <div class="display-inline-block ml-1 cursor-pointer TooltipFix"> <div x-data data-tippy-maxWidth="none" data-template="te2a7f341-6924-4021-848e-871dd62f59e3" role="tooltip" tabIndex="0"x-tooltip="" > <span class="Icon Icon--xs -mt-2 text-blue"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></span> </div> </div> </div> </div> </div> <ul class="Accordion w-full"> <li x-id="['panel-about-the-lender', 'heading-about-the-lender']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item ContentAccordionFix" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group" :id="$id('heading-about-the-lender')" :aria-controls="$id('panel-about-the-lender')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h4 class="Accordion-title mr-2 md:flex-1 my-0"> About the Lender </h4> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-about-the-lender')" :labelledBy="$id('heading-about-the-lender')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Bankrate's take</p> <p class="type-body-one text-slate LineClamp LineClamp-5 md:LineClamp-3" x-html="review.editorial?.editors_take ?? '-'"> Homefinity is an imprint of Fairway Independent Mortgage, one of the top five mortgage lenders in the U.S. It offers many of the perks of an online lender, including up-to-the-minute rates and calculators to help you estimate your homebuying budget, refinance savings and more. If you’re looking for a lender with a fast, convenient process, Homefinity could be a good choice for you. Also, if you’re a medical professional, Homefinity can help you get financing for your unique financial situation.</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Loans offered</p> <p class="type-body-one text-slate LineClamp LineClamp-3 md:LineClamp-2" x-html="review.editorial?.loan_types_text"> Conventional, FHA, VA, refinancing and more</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. credit score required</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.credit_info_text"></p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Nationwide availability</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.nationwide_availability_text"> All U.S. states except New York</p> </div> <div class="mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. down payment</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.down_payment_text ?? '-'"> 3% for conventional loans, 3.5% for FHA loans, none for VA loans or USDA loans</p> </div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-about-the-lender')" :labelledBy="$id('heading-about-the-lender')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Bankrate's take</p> <p class="type-body-one text-slate LineClamp LineClamp-5 md:LineClamp-3" x-html="review.editorial?.editors_take ?? '-'"> Homefinity is an imprint of Fairway Independent Mortgage, one of the top five mortgage lenders in the U.S. It offers many of the perks of an online lender, including up-to-the-minute rates and calculators to help you estimate your homebuying budget, refinance savings and more. If you’re looking for a lender with a fast, convenient process, Homefinity could be a good choice for you. Also, if you’re a medical professional, Homefinity can help you get financing for your unique financial situation.</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Loans offered</p> <p class="type-body-one text-slate LineClamp LineClamp-3 md:LineClamp-2" x-html="review.editorial?.loan_types_text"> Conventional, FHA, VA, refinancing and more</p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. credit score required</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.credit_info_text"></p> </div> <div class="border-b border-gray mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Nationwide availability</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.nationwide_availability_text"> All U.S. states except New York</p> </div> <div class="mb-6"> <p class="type-body-one text-black font-circular-bold mb-2">Min. down payment</p> <p class="type-body-one text-slate LineClamp LineClamp-2 md:LineClamp-1" x-html="review.editorial?.down_payment_text ?? '-'"> 3% for conventional loans, 3.5% for FHA loans, none for VA loans or USDA loans</p> </div> </div> </div> </noscript> </li> </ul> <div class="text-center"> <div class="display-flex column-v mb-5"> <p class="type-heading-three mb-0 mt-1">Recent Customer Reviews</p> <div id="ta2c7a9bc-3927-4185-97aa-88fe46a78031" class="display-none"> <div class="w-72" style="max-width: calc(100vw - 4rem)"> Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate. To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.</div> </div> <div class="display-inline-block ml-1 cursor-pointer "> <div x-data data-tippy-maxWidth="none" data-template="ta2c7a9bc-3927-4185-97aa-88fe46a78031" role="tooltip" tabIndex="0" data-tippy-placement="bottom-start"x-tooltip="" > <svg class="Icon Icon--xs text-blue display-block ml-1" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Info Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M0 12c0 6.612 5.388 12 12 12s12-5.388 12-12S18.612 0 12 0 0 5.388 0 12Zm1.96 0C1.96 6.465 6.464 1.96 12 1.96c5.535 0 10.04 4.505 10.04 10.04 0 5.535-4.505 10.04-10.04 10.04-5.535 0-10.04-4.505-10.04-10.04Zm11.02-4.543c0-.538-.441-.98-.98-.98-.539 0-.98.441-.98.98v.074c0 .539.441.98.98.98.539 0 .98-.441.98-.98v-.074Zm.012 3.796c0-.539-.441-.98-.98-.98-.539 0-.98.441-.98.98v5.265c0 .54.441.98.98.98.539 0 .98-.44.98-.98v-5.265Z" class="icon-base"/></svg></div> </div> </div> <div class="display-flex column-v gap-5 mb-2"> <div class="star-rating star-rating--number-size-sm" id="star-rating-consumer-de936af9-01d8-4116-a23e-4e5d3cd1ed5e" style="font-size: 16px"> <span class="visually-hidden">Rating: 4.94 stars out of 5</span> <div class="star-rating__main-content"> <div class="star-rating__items-container"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> <div class="star-rating__fill" style="width: 80.8%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill=#ffb136 d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"></path> </svg> </div> </div> </div> </div> </div> <p class="type-heading-four mb-0" x-html="review.consumer.advertiserSummaries?.[0]?.avgRatings?.overall?.toFixed(1) ?? '0'"> 4.9</p> </div> <p class="type-body-three text-slate mb-5"> <a id="consumer-reviews-link-de936af9-01d8-4116-a23e-4e5d3cd1ed5e" href="https://www.bankrate.com/mortgages/reviews/homefinity/#customer-ratings-and-reviews" x-html="`${review.consumer.advertiserSummaries?.[0]?.reviewsCount ?? '0'} reviews`"> 1064 reviews </a> </p> </div> <div> <div> <ul class="Accordion w-full"> <template x-for="consumerReview in review.consumer.results.slice(0, 2)"> <li x-data="{ expanded: false }" class="Accordion-item"> <button class="Accordion-titleContainer py-2 sm:px-6 sm:py-5 group" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'"> <div class="Accordion-title mr-2 md:flex-1 my-0" style="max-width:85%"> <div class="flex flex-col align-items-flex-start"> <p class="font-circular-bold mb-0" x-text="consumerReview.title" style="text-wrap:nowrap; text-overflow:ellipsis; overflow:hidden;"></p> <div class="flex space-x-0 bg-gray-100"> <div class="star-rating" id="star-rating-39944ee7-bab8-4870-8c64-aca582a605bf" style="font-size: px"> <span class="visually-hidden">Rating: 4.39 stars out of 5</span> <template x-for="i in 5" :key="index"> <div class="star-rating__item"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path stroke="#ffb136" d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> <template x-if="i <= consumerReview.ratings.overall"> <div class="star-rating__fill" style="width: 100%"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill="#ffb136" d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </template> <template x-if="i > consumerReview.ratings.overall && i - consumerReview.ratings.overall < 1"> <div class="star-rating__fill" :style="`width: ${(consumerReview.ratings.overall - i)*100}%`"> <svg class="star-rating__icon" width="16" height="15" viewBox="0 0 16 15"> <path fill="#ffb136" d="M8 12l-4.7023 2.4721.898-5.236L.3916 5.5279l5.2574-.764L8 0l2.3511 4.764 5.2574.7639-3.8043 3.7082.898 5.236z"> </path> </svg> </div> </template> </div> </template> </div> </div> </div> </div> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg></span> </button> <div class="Accordion-contentWrapper" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;"> <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <p style="display: -webkit-box; -webkit-line-clamp: 5; -webkit-box-orient: vertical; overflow: hidden;" x-text="consumerReview.content"></p> </div> </div> </li> </template> </ul> </div> <div class="text-center"> <a id="read-full-review-btn-de936af9-01d8-4116-a23e-4e5d3cd1ed5e" href="https://www.bankrate.com/mortgages/reviews/homefinity/" class="Button Button--primary">Read full lender review</a> </div> </div> </div> </div> </div> </div> </div> <div id="should-you-refi" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Should you refinance into a 30-year mortgage? </h2> <p>The most common reason to refinance a 30-year mortgage is to reduce your interest rate. By reducing your rate, you’ll lower your monthly mortgage payment as well as the total interest you pay over the loan term. Another popular reason to refinance is to use a <a class="Link" href="https://www.bankrate.com/mortgages/cash-out-refinance-rates/">cash-out refinance</a> to pay for expenses such as home improvements, to get rid of credit card debt or to pay for emergencies. </p> <p>When considering refinancing, you need to understand your goals. Are you trying to lower your payment or pay your loan off sooner? You also need to know that refinancing generally only makes sense if you plan to spend several more years in your home. It can sometimes take years to <a class="Link" href="https://www.bankrate.com/mortgages/refinance-calculator/">break even on the cost of refinancing</a>. </p> <p>Check out these pros and cons to see where you stand on refinancing to a 30-year mortgage:</p></div> <div class="ProsAndConsList" data-js-selector="ProsAndConsList"> <div class="ProsAndConsItem"> <h3 class="ProsAndConsItem-header"> Pros of a 30-year fixed refinance mortgage </h3> <ul class="ProsAndConsItem-list"> <li> <b>Lower monthly payments</b>: By extending the loan over three decades, you can expect lower monthly payments than with shorter loan terms.</li> <li> <b>Provides more monthly cash flow</b>: If you need money to pay down student loans or invest, the 30-year fixed loan gives you the most flexibility.</li> <li> <b>Plenty of choices</b>: The 30-year fixed is the most popular type of mortgage, so there’s no shortage of lenders and loan programs to choose from.</li> </ul> </div> <div class="ProsAndConsItem"> <h3 class="ProsAndConsItem-header"> Cons of a 30-year fixed refinance mortgage </h3> <ul class="ProsAndConsItem-list"> <li> <b>More total interest paid over the life of the loan</b>: Those lower payments come with a downside — you’re paying a lot of interest over a 30-year loan term compared to a 15-year loan.</li> <li> <b>Longer terms have slightly higher mortgage rates overall</b>: Lenders are taking on more risk by extending a rate for three decades, so 30-year loans carry higher interest rates than 15-year loans.</li> <li> <b>It takes longer to gain equity</b>: A 30-year repayment schedule means you’re paying down the balance at a slower pace so not only will it take longer to build equity but the interest paid each month will also decline at a slow pace.</li> </ul> </div> </div> <div class="vertical-spacer pt-8 " style="width: 100%; content: '';"></div> <div class="AskTheExperts border-grey border-1 rounded-lg bg-gray-light gap-4 p-8" x-data="{ author_id_active: 'f4f647d4-2d95-4820-9e4c-73cc0c8bb1aa' }"> <h3 class="type-heading-three w-full mb-4"> Should you refinance to a 15-year loan or another 30-year loan?</h3> <ul class="AskTheExperts-panel -m-2" role="list"> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-1" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = 'f4f647d4-2d95-4820-9e4c-73cc0c8bb1aa'" role="button" aria-label="Author name Glenn Brunker"> <img srcset="https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Glenn Brunker</p> </button> </li> <li class="AskTheExperts-panelItem p-2" role="listitem"> <button id="AskTheExperts-tab-2" class="AskTheExperts-panelAuthor rounded bg-white p-4" x-on:click="author_id_active = '1398'" role="button" aria-label="Author name Andrew Dehan"> <img srcset="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--md flex-shrink-0" alt=""> <p class="font-bold m-0 ml-4" aria-hidden="true">Andrew Dehan</p> </button> </li> </ul> <hr class="w-full border-grey border-1 mx-0 my-2"> <div class="AskTheExperts-details" role="tabpanel"> <div x-show="author_id_active == 'f4f647d4-2d95-4820-9e4c-73cc0c8bb1aa'" aria-labelledby="AskTheExperts-tab-1" role="tabpanel" style=""> <div class="AskTheExperts-detailsItem"> <span class="AskTheExperts-detailsAuthor no-underline cursor-default"> <img srcset="https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/f/102997/96x96/2b349fa951/glenn-brunker.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four border-0 m-0 mb-1">Glenn Brunker</p> <p class="text-slate m-0">President, Ally Home</p> </div> </span> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "People typically refinance to lower their interest rate or extract cash from the equity in their home. With nearly 90 percent of U.S. homeowners locked in at a mortgage rate below 6 percent, refinancing is likely not applicable. Generally, if you have the opportunity to afford a higher monthly payment, refinancing to a 15-year loan is more advantageous and will reduce the number of payments made and overall interest."</p> </div> </div> </div> <div x-show="author_id_active == '1398'" aria-labelledby="AskTheExperts-tab-2" role="tabpanel" style="display: none;"> <div class="AskTheExperts-detailsItem"> <a class="AskTheExperts-detailsAuthor no-underline" href="https://www.bankrate.com/authors/andrew-dehan/"> <img srcset="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" loading="lazy" class="AuthorAvatar AuthorAvatar--lg flex-shrink-0" alt=""> <div class="ml-6"> <p class="type-heading-four Link border-0 m-0 mb-1">Andrew Dehan</p> <p class="text-slate m-0">Writer, Home lending</p> </div> </a> <div class="w-full mt-4 border-grey border-1 rounded bg-white p-4"> <p class="type-body-two text-gray-dark m-0"> "Generally, if you can refinance to a 15-year loan at a lower rate and not significantly increase your monthly payment, I’d say go for it. However, if the payment’s going up enough that it restricts your cash flow, you may want to consider a 30-year loan. Financial flexibility is incredibly valuable, even if it means you don’t pay off your mortgage as soon as you’d like."</p> </div> </div> </div> </div> </div> </div> <div id="year-refi-faqs" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>30-year refinance FAQ</h2></div> <ul class="Accordion w-full" data-cy="accordion-da35f12a-a57a-473e-9942-e9c2b0342acc"> <li x-id="['panel-what-mortgage', 'heading-what-mortgage']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-what-mortgage')" :aria-controls="$id('panel-what-mortgage')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what is a 30-year fixed refinance mortgage? " data-position="1" data-text=" What is a 30-year fixed refinance mortgage? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is a 30-year fixed refinance mortgage?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-what-mortgage')" :labelledBy="$id('heading-what-mortgage')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A <a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/30-year-mortgage-rates/">30-year fixed-rate mortgage</a> is the most common type of loan. It has a set rate, which keeps your principal and interest payments stable.</p> <p>Refinancing with a 30-year loan lets you pay off and replace your existing loan with a new, longer-term loan and a different rate. There are several reasons to refinance into this type of loan, including reducing your monthly payment, lowering your mortgage rate or changing the type of loan you currently have.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-what-mortgage')" :labelledBy="$id('heading-what-mortgage')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>A <a class="Link Link--standalone" href="https://www.bankrate.com/mortgages/30-year-mortgage-rates/">30-year fixed-rate mortgage</a> is the most common type of loan. It has a set rate, which keeps your principal and interest payments stable.</p> <p>Refinancing with a 30-year loan lets you pay off and replace your existing loan with a new, longer-term loan and a different rate. There are several reasons to refinance into this type of loan, including reducing your monthly payment, lowering your mortgage rate or changing the type of loan you currently have.</p></div> </div> </div> </noscript> </li> <li x-id="['panel-mortgage-set', 'heading-mortgage-set']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-mortgage-set')" :aria-controls="$id('panel-mortgage-set')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" how are 30-year mortgage refinance rates set? " data-position="2" data-text=" How are 30-year mortgage refinance rates set? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> How are 30-year mortgage refinance rates set?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-mortgage-set')" :labelledBy="$id('heading-mortgage-set')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <div> <p>To determine your mortgage rate, lenders will review your credit score, payment history, savings, income, and other aspects of your financial life. Lenders want to ensure that you are not a risky borrower, and that you are unlikely to default on your loan.</p> <p>These qualifying factors are within your control, but you won’t be able to control external factors that influence your mortgage rate, such as inflation. Rates have now topped 6 percent, their highest level since 2008, partly as a result of inflation. In addition, the Federal Reserve has implemented a historic series of hikes to their <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fed-interest-rate-decision-biggest-winners/">key benchmark borrowing rate</a>, which have indirectly shifted mortgage rates upwards.</p> </div></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-mortgage-set')" :labelledBy="$id('heading-mortgage-set')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <div> <p>To determine your mortgage rate, lenders will review your credit score, payment history, savings, income, and other aspects of your financial life. Lenders want to ensure that you are not a risky borrower, and that you are unlikely to default on your loan.</p> <p>These qualifying factors are within your control, but you won’t be able to control external factors that influence your mortgage rate, such as inflation. Rates have now topped 6 percent, their highest level since 2008, partly as a result of inflation. In addition, the Federal Reserve has implemented a historic series of hikes to their <a class="Link" href="https://www.bankrate.com/banking/federal-reserve/fed-interest-rate-decision-biggest-winners/">key benchmark borrowing rate</a>, which have indirectly shifted mortgage rates upwards.</p> </div></div> </div> </div> </noscript> </li> <li x-id="['panel-differences', 'heading-differences']" x-data="{ expanded: 0, disableMobileHover: 0, }" class="Accordion-item" > <button class="Accordion-titleContainer px-3 py-4 sm:px-6 group sm:py-6" :id="$id('heading-differences')" :aria-controls="$id('panel-differences')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" data-beam-element-clicked-no-delay id="" data-type="accordion" data-location="faq section" data-name=" what is the difference between 15-year and 30-year refinance rates? " data-position="3" data-text=" What is the difference between 15-year and 30-year refinance rates? " data-outcome="" data-variant="default" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'" :class="{ 'no-hover': (typeof isMobile !== 'undefined' && isMobile) && disableMobileHover }" > <h6 class="Accordion-title mr-2 md:flex-1 my-0"> <span class="text"> What is the difference between 15-year and 30-year refinance rates?</span> </h6> <span class="Accordion-icon Icon Icon--sm icon-base-blue" aria-hidden="true"> <svg class="Icon-glyph" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title><path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"/></svg> </span> </button> <div class="Accordion-contentWrapper" :id="$id('panel-differences')" :labelledBy="$id('heading-differences')" x-show="expanded" x-collapse role="region" style="height: 0px; overflow: hidden; display: none;" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>15-year refinance rates are typically lower than 30-year refinance rates. As a result, you’ll pay significantly less in interest over the life of the loan if you choose a 15-year loan. Plus you’ll repay the loan in half the time.</p></div> </div> </div> <noscript> <div class="Accordion-contentWrapper" :id="$id('no-js-panel-differences')" :labelledBy="$id('heading-differences')" role="region" > <div class="Accordion-content text-slate px-3 pb-4 sm:px-6 sm:pb-6"> <div class="wysiwyg display-block w-full"> <p>15-year refinance rates are typically lower than 30-year refinance rates. As a result, you’ll pay significantly less in interest over the life of the loan if you choose a 15-year loan. Plus you’ll repay the loan in half the time.</p></div> </div> </div> </noscript> </li> </ul> </div> <div id="additional resources" class="SectionWithTocItem " > <div class="wysiwyg display-block w-full"> <h2>Additional resources</h2> <ul> <li><a class="Link" href="https://www.bankrate.com/mortgages/30-year-mortgage-rates/">30-year mortgage rates</a></li> <li><a class="Link" href="https://www.bankrate.com/mortgages/15-or-30-year-mortgage-calculator/">15-year or 30-year calculator</a></li> <li><a class="Link" href="https://www.bankrate.com/mortgages/how-does-refinancing-a-mortgage-work/">Mortgage refinancing: What is it and how does it work? </a></li> <li><a class="Link" href="https://www.bankrate.com/mortgages/low-cost-refinance/">How to get a low-cost mortgage refinance</a> </li> <li><a class="Link" href="https://www.bankrate.com/mortgages/reviews/">Bankrate lender reviews</a></li> </ul></div> <div class="wysiwyg display-block w-full"> <h2>Meet our Bankrate experts</h2> <p><strong>Written by: Jeff Ostrowski, Principal Reporter, Mortgages</strong></p> <p>I cover mortgages and the housing market. Before joining Bankrate in 2020, I spent more than 20 years writing about real estate and the economy for the Palm Beach Post and the South Florida Business Journal. I’ve had a front-row seat for two housing booms and a housing bust. I’ve twice won gold awards from the National Association of Real Estate Editors, and since 2017 I’ve served on the nonprofit’s board of directors.</p> <p><a class="Link" href="https://www.bankrate.com/authors/jeff-ostrowski/">Read more from Jeff Ostrowski</a></p> <p><strong>Edited by: </strong><strong>Laurie Dupnock, Editor, Home Lending</strong></p> <p>I’ve spent five years in writing and editing roles, and I now focus on mortgage, mortgage relief, homebuying and mortgage refinancing topics. I’m most interested in providing resources for aspiring first-time homeowners to help demystify the homebuying process. In 2021, I earned a Poynter ACES Certificate in Editing. I have an MA in English. </p> <p><a class="Link" href="https://www.bankrate.com/authors/laurie-dupnock/">Read more from Laurie Dupnock</a></p> <p><strong>Reviewed by: Greg McBride, CFA, Chief Financial Analyst, Bankrate</strong></p> <p>Greg McBride is a CFA charterholder with more than a quarter-century of experience in personal finance, including consumer lending prior to coming to Bankrate. Through Bankrate.com's Money Makeover series, he helped consumers plan for retirement, manage debt and develop appropriate investment allocations. He is an accomplished public speaker, has served as a Wall Street Journal Expert Panelist and served on boards in the credit counseling industry for more than a decade and the funding board of the Rose Foundation’s Consumer Financial Education Fund.</p> <p><a class="Link" href="https://www.bankrate.com/authors/greg-mcbride/">Read more from Greg McBride</a></p></div> </div></div> </div></div> </section> <section id="" class="section-wrapper frame bg-transparent py-0 gutter"> <div class="wrapper"> <div class="CompareRatesLinkList"> <h2 class="CompareRatesLinkList-title text-crop-none">Mortgage rates in other states</h2> <div class="CompareRatesLinkList-sections display-flex w-full gap-8 justify-content-flex-start flex-wrap"> <div class="CompareRatesLinkList-section" style="flex-grow: 6"> <ul class="List display-grid pt-4 border-t border-gray-light gap-x-8 gap-y-2 grid-cols-2 md:grid-cols-6"> <li class="text-crop-none"> <a class="Link Link--standalone" 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// Handles assets if they are deployed via multiple rules const multipleRules = Object.values(assets); // If multiple rules are detected if (multipleRules.length) { const formattedAssets = formatDictionary(multipleRules); assetDictionary = { ...assetDictionary, ...formattedAssets }; } // If single rule with one or many assets if (assets.length) { const formattedAssets = formatDictionary(assets); assetDictionary = { ...assetDictionary, ...formattedAssets }; } return assetDictionary; }; if (assets.length === 0) { return; } // Checks if we're on a page that contains the Wealth Rate Table if (typeof window.setMonarchAssets === 'function') { // Invokes method that will trigger a Wealth Rate Table state update window.setMonarchAssets(formatWealthAssets(assets)); } if (!window.jo) { // Initialize jo object on the window window.jo = {}; // Store Monarch assets within jo object window.jo.monarchAssets = []; // Create a method to push Monarch assets to monarchAssets array window.jo.storeMonarchMetadata = function storeMonarchMetadata(asset) { window.jo.monarchAssets.push(asset); 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