Today's 30-Year Refinance Rates

<!DOCTYPE html> <html lang="en-US"> <head> <title>Today's 30-Year Refinance Rates</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="30-Year Mortgage Refinance Rates" > <meta name="datePublished" content="2024-10-31T21:34:36Z" > <meta name="dateModified" content="2024-10-31T21:34:36Z" > <meta name="news_keywords" content="Personal Finance, Loans, Mortgages" > <meta name="description" content="See current 30-year refinance rates and how they've been trending. Find the lowest rates to save on your mortgage, lower your payments, or access home equity." > <meta property="author" content="Molly Grace, Elias Shaya" > <meta property="article:publisher" content="businessinsider" > <meta name="tbi-vertical" content="Personal Finance" > <meta property="og:title" content="30-Year Mortgage Refinance Rates" > <meta property="og:description" content="See current 30-year refinance rates and how they've been trending. 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Average 30-year refinance rates were 6.35% in October.</p>"},{"question":"Can a 30-year fixed mortgage be refinanced?","answer":"<p class=\"faq-answer\">You can refinance a 30-year fixed-rate mortgage if you want to lower your rate, change your term, or take cash out of your home with a cash-out refinance.</p>"},{"question":"Is it a good time to refinance into a 30-year mortgage?","answer":"<p class=\"faq-answer\">Mortgage rates should drop in the coming months and years, but they're still relatively high right now, so it might not be the best time to refinance into a 30-year mortgage.</p>"},{"question":"When should I refinance my 30-year mortgage?","answer":"<p class=\"faq-answer\">When you should refinance depends on your goals. 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"%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/mortgages/30-year-refinance-rates"},"editor":{"@type":"Person","name":"Laura Grace Tarpley, CEPF"},"author":[{"@type":"Person","name":"Molly Grace","sameAs":"https://www.businessinsider.com/author/molly-grace"},{"@type":"Person","name":"Elias Shaya","sameAs":"https://www.businessinsider.com/author/elias-shaya"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Today's 30-Year Refinance Rates","alternativeHeadline":"30-Year Mortgage Refinance Rates","image":{"@type":"ImageObject","url":"https://i.insider.com/63fd1e39d5d80a001827693d?width=1200&format=jpeg","width":1200,"height":900,"caption":"Getting preapproved with multiple lenders can help you find the best 30-year refinance rates."},"name":"30-Year Mortgage Refinance Rates","datePublished":"2024-10-31T21:34:36Z","dateModified":"2024-10-31T21:34:36Z","description":"See current 30-year refinance rates and how they've been trending. Find the lowest rates to save on your mortgage, lower your payments, or access home equity.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.For borrowers considering a refinance, getting a good mortgage rate is vital. Refinancing your mortgage isn't cheap, but getting a low rate can help you recoup your closing costs, in addition to freeing up space in your monthly budget for other financial goals.The exact rates available to you will depend on your individual financial situation as well as what the mortgage lenders you apply with can offer you. To ensure you're getting a good deal, check out today's 30-year refinance rates.In October, 30-year refinance rates averaged around 6.35%, according to Zillow data. This is 46 basis points above the previous month's average and 11 basis points above August's average 30-year mortgage rate for purchase mortgages.Refinance rates have been trending up recently along with other types of mortgage rates. For those looking to refinance, mortgage rates should go down in 2025. Borrowers who initially got their mortgages when rates were at their peak may have an opportunity to refinance into a lower monthly payment in the next year or two.See how the today's 30-year refinance rates compare with other types of refinance loans.Sometimes, borrowers will refinance into a 30-year mortgage even if they have less time left on their current mortgage in order to lower their monthly payment. By stretching out the term length, you give yourself more time to pay off the loan. This typically results in a smaller monthly mortgage payment. But beware that this will also add a lot to your overall interest costs. It might be the right move if you're struggling to afford your mortgage payments, but if you can handle your current payment, you should consider waiting to refinance until mortgage rates drop so you can lower your payment that way. You can also use a refinance to access your home equity. To do this, you'll get a cash-out refinance.The cash you get at closing from one of these refinances can be used for whatever you want, though people commonly use it to fund home projects or repairs or to pay off other debt. To get a 30-year cash-out refinance, you'll first want to make sure you have enough equity. Lenders will typically let you borrow up to 80% of your home's value, so you'll need a substantial amount of equity already in your home. The benefit of a fixed-rate mortgage over an adjustable-rate mortgage is that you can be confident that your monthly payment won't fluctuate as rates do. With a fixed-rate mortgage, your rate will remain the same throughout the life of the loan.However, other costs that make up your mortgage payment, including your property taxes and homeowners insurance, can change. If these costs go up, your monthly payment can increase, too.The longer your term, the higher your mortgage refinance rate will be.In October, the average 30-year fixed refinance rate was 68 basis points higher than the average 15-year fixed rate, according to Zillow data. This means that over the life of the loan, 30-year mortgage borrowers could end up spending hundreds of thousands more in interest than 15-year mortgage borrowers.However, the benefit of a 30-year mortgage is that it comes with lower monthly payments. A borrower with a 30-year mortgage may spend more in interest, but they'll also have a monthly mortgage payment that's hundreds of dollars cheaper than a comparable 15-year mortgage borrower.Use Insider's free mortgage calculator to see how a lower rate could impact your monthly payment.Pros\"Almost all 30-years can be paid off early, and any additional payments you make over your monthly obligation can be directed toward principal only,\" says Shawn O'Regan, a real estate broker and owner of Vee Real Estate Brokers in Raleigh, North Carolina. \"So you can quickly reduce you loan balance and interest, since interest is calculated monthly based on the remaining balance.\"ConsYour credit score will have a big impact on the rate you get, so it's important to make sure yours is in good shape if you're planning to refinance.If you have room to improve your credit, doing things like paying down debt can help boost your score and get you a better rate.Just as your down payment was so important when you initially bought your home, the amount of equity you have in it will make a difference when it comes to the refinance rates available to you. The more equity you have, the lower your rate will likely be. This is because borrowers with more equity tend to be less at risk of defaulting on their mortgage compared to borrowers with little equity.The biggest force impacting mortgage rates is out of your control. Rates fluctuate every day based on larger economic trends. For example, mortgage rates hit historic lows during the COVID-19 pandemic when the Federal Reserve cut the federal funds rate to near zero. But they've risen dramatically over the last couple of years in response to high inflation. You don't necessarily need to work with your current lender when you refinance. The best thing you can do to ensure you get a low refinance rate is get approved with at least two or three mortgage lenders to compare offers. Before you officially start the refinancing process, you may want to check out rates with a few different lenders or even get preapproved just to get an idea of what rates are available to you. Some lenders may even let you do this with a soft credit check, meaning it won't impact your credit score. When comparing lenders, remember that the rate isn't the only thing that you should be looking at. Some lenders may offer low rates but charge more in closing costs to make up for it. Be sure to look at all your potential costs when considering a mortgage refinance lender. Whether or not it's a good time to refinance depends on your current rate and if it's higher or lower than today's average rates. For most borrowers, now probably isn't a good time to refinance. Many homeowners already have mortgage rates that are significantly lower than current rates, so refinancing likely wouldn't save them any money.If you're considering a refinance, it's important to think about your goals.Typically, homeowners refinance when they want to decrease their monthly payment, lower their interest rate, or take cash out of their home. But doing so is only worth it if the benefits outweigh the costs.Because you'll pay closing costs, it can cost a couple thousand dollars or more to refinance. If you plan to move soon or you can't get a lower rate, you might not be able to recoup the cost of refinancing.Refinance rates have been higher than purchase rates recently. Average 30-year refinance rates were 6.35% in October.You can refinance a 30-year fixed-rate mortgage if you want to lower your rate, change your term, or take cash out of your home with a cash-out refinance.Mortgage rates should drop in the coming months and years, but they're still relatively high right now, so it might not be the best time to refinance into a 30-year mortgage.When you should refinance depends on your goals. If you want a lower rate on your mortgage, you may need to wait, since today's 30-year refinance rates are higher than they've been in recent years.Generally, you'll need a credit score of at least 620 to qualify for a mortgage refinance. But the higher your score, the better your rate will be. A refinance calculator can tell you how much you could save by refinancing. It all depends on the details of your current loan and your proposed refinance loan. Yes, if you have a government-backed loan like an FHA loan or VA loan, you can either refinance into another mortgage of the same type, or you can refinance into a different type of mortgage like a conforming loan. It can take a month or two to close on a mortgage refinance, but it depends on your situation and the lender. Generally, when a lot of people are applying for a mortgage at the same time (like during homebuying season), refinances can take longer, since they don't have the same tight deadlines that purchase mortgages do.","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What is the 30-year refinance rate today?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Refinance rates have been higher than purchase rates recently. Average 30-year refinance rates were 6.35% in October.</p>"}},{"@type":"Question","name":"Can a 30-year fixed mortgage be refinanced?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You can refinance a 30-year fixed-rate mortgage if you want to lower your rate, change your term, or take cash out of your home with a cash-out refinance.</p>"}},{"@type":"Question","name":"Is it a good time to refinance into a 30-year mortgage?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Mortgage rates should drop in the coming months and years, but they're still relatively high right now, so it might not be the best time to refinance into a 30-year mortgage.</p>"}},{"@type":"Question","name":"When should I refinance my 30-year mortgage?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">When you should refinance depends on your goals. 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get a 30-year refi? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#30-year-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 30-year refinance rates </a> </li> <li> <a href="#why-refinance-with-a-30-year-mortgage?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why refinance with a 30-year mortgage? </a> </li> <li> <a href="#factors-affecting-your-rate" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Factors affecting your rate </a> </li> <li> <a href="#how-to-find-the-best-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to find the best rates </a> </li> <li> <a href="#is-it-a-good-time-to-refi-into-a-30-year-mortgage?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is it a good time to refi into a 30-year mortgage? </a> </li> <li> <a href="#should-i-get-a-30-year-refi?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Should I get a 30-year refi? </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div class='my-insider-nav-and-content'></div> </nav> <section id="l-main-content" class="masthead " data-content > <div> <div class="hub-wrapper has-subnav hub-wrapper-helpfulness pfi"> <div class="vertical-title-wrapper"> <div class="hub-nav-wrapper"> <nav class="hub-nav style-loading" data-component-type="hub-nav" data-load-strategy="exclude" > 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href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li 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data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage refinance lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">30-Year Mortgage Refinance Rates</h1> </section> <section class="byline-wrapper byline-wrapper-helpfulness "> <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="headline-regular">Written by</span> <span class="" data-e2e-name="Molly Grace" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/molly-grace" >Molly Grace</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/laura-grace-tarpley" >Laura Grace Tarpley</a><span class="headline-regular">;</span> <span class="headline-regular">reviewed by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/elias-shaya" >Elias Shaya</a> </div> <div class="byline-updated"> Updated </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-31T21:34:36Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-31T21:34:36Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" 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class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#30-year-refinance-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 30-year refinance rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#why-refinance-with-a-30-year-mortgage?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why refinance with a 30-year mortgage? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#factors-affecting-your-rate" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Factors affecting your rate </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-find-the-best-rates" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to find the best rates </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#is-it-a-good-time-to-refi-into-a-30-year-mortgage?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is it a good time to refi into a 30-year mortgage? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#should-i-get-a-30-year-refi?" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Should I get a 30-year refi? </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#30-year-refinance-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > 30-year refinance rates </a> </li> <li> <a href="#why-refinance-with-a-30-year-mortgage?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why refinance with a 30-year mortgage? </a> </li> <li> <a href="#factors-affecting-your-rate" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Factors affecting your rate </a> </li> <li> <a href="#how-to-find-the-best-rates" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to find the best rates </a> </li> <li> <a href="#is-it-a-good-time-to-refi-into-a-30-year-mortgage?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Is it a good time to refi into a 30-year mortgage? </a> </li> <li> <a href="#should-i-get-a-30-year-refi?" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Should I get a 30-year refi? </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>For borrowers considering a refinance, getting a good <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-interest-rate" data-analytics-product-module="body_link" rel="">mortgage rate</a> is vital. Refinancing your mortgage isn't cheap, but getting a low rate can help you recoup your closing costs, in addition to freeing up space in your monthly budget for other financial goals.</p><p>The exact rates available to you will depend on your individual financial situation as well as what the <a href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-analytics-product-module="body_link" rel="">mortgage lenders</a> you apply with can offer you. To ensure you're getting a good deal, check out today's 30-year refinance rates.</p><h2 data-toc-label="30-year refinance rates" id="30-year-refinance-rates" class="toc-anchor">30-year refinance rates</h2><p>In October, 30-year refinance rates averaged around 6.35%, according to Zillow data. This is 46 basis points above the previous month's average and 11 basis points above August's average <a href="https://www.businessinsider.com/personal-finance/mortgages/30-year-mortgage-rates" data-analytics-product-module="body_link" rel="">30-year mortgage rate</a> for purchase mortgages.</p><p>Refinance rates have been trending up recently along with other types of mortgage rates. </p><p>For those looking to refinance, <a href="https://www.businessinsider.com/personal-finance/mortgages/will-mortgage-rates-go-down-this-year" data-analytics-product-module="body_link" rel="">mortgage rates should go down</a> in 2025. Borrowers who initially got their mortgages when rates were at their peak may have an opportunity to refinance into a lower monthly payment in the next year or two.</p><p>See how the today's 30-year refinance rates compare with other types of refinance loans.</p> <div class="mortgage-rates-table-wrapper" data-component-type="mortgage-rates-table" data-root-margin="0px 0px 100% 0px"> <div class="mortgage-rates-table-container"> <span class="mortgage-rates-timestamp headline-regular"></span> <table class="mortgage-rates-table table-content refinance-rates daily "> <tbody class="table-content-body headline-regular"> <tr> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Mortgage type</strong> </td> <td class="headline-regular headline-semibold"> <strong class="headline-regular headline-semibold">Average rate today</strong> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> <tr class="mortgage-rates-table-placeholder"> <td class="headline-regular headline-semibold"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> <td class="headline-regular"> <div class="mortgage-rates-table-container-tombstone"> </div> </td> </tr> </tbody> </table> </div> <div class="mortgage-rates-table-credits body-italic"> <span class="mortgage-rates-table-text">This information has been provided by Zillow. See more <a class="not-content-link mortgage-rates-table-link" href="https://www.zillow.com/mortgage-rates/" target="_blank" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click">mortgage rates</a> on Zillow</span> <a href="https://zillow.com" target="_blank" class="not-content-link mortgage-rates-table-logo" rel="noreferrer noopener nofollow" data-analytics-product-module="mortgage_rates_table" data-analytics-product-area="click"> <svg id="Logo" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1911 400"><defs><style>.cls-1{fill:#006aff;}</style></defs><title>Real Estate on Zillow</title><path class="cls-1" d="M1460.41,148.57h77.77l22.54,73.68c7.52,24.41,20.09,70.24,20.09,70.24a.6.6,0,0,0,1.13,0s13-46.68,20.42-70.24L1626,148.57h57.44l23.23,73.68c7.85,25.25,20,70.22,20,70.22a.6.6,0,0,0,1.15,0s12.63-45.54,20.07-70.22l22.55-73.68h72.28l-78.19,243.55h-71.13L1674,331c-7.45-24-20.55-70.57-20.55-70.57a.6.6,0,0,0-1.15,0s-13.1,45.68-20.95,70.15l-19.77,61.59h-72.41Z"></path><rect class="cls-1" x="936.81" y="19.92" width="78.71" height="372.21"></rect><rect class="cls-1" x="1073.84" y="19.91" width="78.72" height="372.21"></rect><path class="cls-1" d="M1380.68,271.18c0-36.24-25.85-60.9-56.46-60.9-31.34,0-57.19,24.66-57.19,60.9,0,36.48,25.85,60.9,57.19,60.9,30.61,0,56.46-24.42,56.46-60.9m-189.16,0c0-74,59.68-128.81,132.7-128.81,72.29,0,132,54.84,132,128.81,0,74.21-59.68,129.05-132,129.05-73,0-132.7-54.84-132.7-129"></path><path class="cls-1" d="M481.46,54.36v71.76H620.58c.57,0,.78.52.49,1L481.4,364.48c-3.36,6.17-4.16,7.49-4.16,13.65v14h271V320.49H597.69a.62.62,0,0,1-.5-1L738.48,79c1.12-2.34,2.3-4,2.3-9.64l.05-15Z"></path><path class="cls-1" d="M798.37,148.58h78.7V392.13h-78.7Zm39.35-122c24.54,0,44.82,19.8,44.82,44.19S862.26,115,837.72,115s-44.81-19.8-44.81-44.2S813.18,26.6,837.72,26.6"></path><path class="cls-1" d="M242.17,106.29c1.8-.44,2.63.2,3.71,1.41,6.16,6.93,26,31.1,31.4,37.71a2.12,2.12,0,0,1-.49,3.16c-40,31.22-84.49,75.38-109.3,107-.53.67-.09.72.26.57,43.21-18.6,144.67-48.27,190.44-56.59V141.64L179.28.23.05,141.64v63.29C55.61,171.91,184,120.8,242.17,106.29Z"></path><path class="cls-1" d="M96.63,349.5a3,3,0,0,1-3.88-.57L59.34,309.14c-.93-1.08-1-1.65.18-3.41C85.32,267.88,138,209,171.59,184.05c.6-.44.44-.86-.26-.63-35,11.44-134.47,54.17-171.28,75V393.6H358.18V263.5C309.27,271.81,163.08,315.27,96.63,349.5Z"></path><path class="cls-1" d="M1895.2,113.87c0-7-4.86-11.91-11.67-11.91H1871v34h5.59V125.77h5.49L1888.3,136h6.36l-6.7-11C1892.33,123.34,1895.2,119.16,1895.2,113.87Zm-12,6.9h-6.61V107h6.61c3.7,0,6.42,2.92,6.42,6.91S1886.89,120.77,1883.19,120.77Z"></path><path class="cls-1" d="M1881.84,90.16a29.38,29.38,0,1,0,29.38,29.37A29.41,29.41,0,0,0,1881.84,90.16Zm0,53.11a23.74,23.74,0,1,1,23.74-23.74A23.77,23.77,0,0,1,1881.84,143.27Z"></path></svg> </a> </div> </div><h2 data-toc-label="Why refinance with a 30-year mortgage?" id="why-refinance-with-a-30-year-mortgage?" class="toc-anchor">Why refinance with a 30-year mortgage?</h2><h3>Lower monthly payments</h3><p>Sometimes, borrowers will refinance into a 30-year mortgage even if they have less time left on their current mortgage in order to lower their monthly payment. By stretching out the term length, you give yourself more time to pay off the loan. This typically results in a smaller monthly <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-payment" data-analytics-product-module="body_link" rel="">mortgage payment</a>. </p><p>But beware that this will also add a lot to your overall interest costs. It might be the right move if you're struggling to afford your mortgage payments, but if you can handle your current payment, you should consider waiting to refinance until mortgage rates drop so you can lower your payment that way. </p><h3>Cash-out option</h3><p>You can also use a refinance to access your home equity. To do this, you'll get a <a href="https://www.businessinsider.com/personal-finance/mortgages/cash-out-refinance" data-analytics-product-module="body_link" rel="">cash-out refinance</a>.</p><p>The cash you get at closing from one of these refinances can be used for whatever you want, though people commonly use it to fund home projects or repairs or to pay off other debt. </p><p>To get a 30-year cash-out refinance, you'll first want to make sure you have enough equity. Lenders will typically let you borrow up to 80% of your home's value, so you'll need a substantial amount of equity already in your home. </p><h3>Interest rate stability</h3><p>The benefit of a <a href="https://www.businessinsider.com/personal-finance/mortgages/what-is-fixed-rate-mortgage" data-analytics-product-module="body_link" rel="">fixed-rate mortgage</a> over an adjustable-rate mortgage is that you can be confident that your monthly payment won't fluctuate as rates do. With a fixed-rate mortgage, your rate will remain the same throughout the life of the loan.</p><p>However, other costs that make up your mortgage payment, including your property taxes and homeowners insurance, can change. If these costs go up, your monthly payment can increase, too.</p><h3>Average 30-year refinance rates vs. 15-year refinance rates</h3><p>The longer your term, the higher your <a href="https://www.businessinsider.com/personal-finance/mortgages/current-mortgage-refinance-rates" data-analytics-product-module="body_link" rel="">mortgage refinance rate</a> will be.</p><p>In October, the average 30-year fixed refinance rate was 68 basis points higher than the average 15-year fixed rate, according to Zillow data. This means that over the life of the loan, 30-year mortgage borrowers could end up spending hundreds of thousands more in interest than 15-year mortgage borrowers.</p><p>However, the benefit of a 30-year mortgage is that it comes with lower monthly payments. A borrower with a 30-year mortgage may spend more in interest, but they'll also have a monthly mortgage payment that's hundreds of dollars cheaper than a comparable 15-year mortgage borrower.</p><h3>Mortgage calculator</h3><p>Use Insider's free mortgage calculator to see how a lower rate could impact your monthly payment.</p> <div class="calculator loan-calculator" data-component-type="calculators/loan-calculator" data-root-margin="0px 0px 100% 0px"> <h5 class="calculator__title headline-semibold">Mortgage Calculator</h5> <div class="calculator__divider"></div> <div class="calculator__fields"> <div class="calculator__field calculator__field--horizontal"> <div class="calculator__price"> <input class="calculator__input headline-regular" value="$344,400" data-id="home-price-input" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="home_price"> <label class="headline-regular">Home Price</label> </div> <input type="range" min="80000" max="5000000" value="344400" data-id="home-price" class="calculator__slider" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="slide_bar"> </div> <div class="calculator__duo-field"> <div class="calculator__field calculator__field--majority"> <input class="calculator__input headline-regular" data-id="down-payment" type="text" pattern="[0-9]+" value="$68,880" maxlength="9" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment"> <label class="headline-regular">Down payment</label> </div> <div class="calculator__field calculator__field--minority"> <input class="calculator__input headline-regular" data-id="down-payment-percentage" type="text" pattern="[0-9]+" value="20" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="down_payment_percent"> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="loan-length" type="text" pattern="[0-9]+" value="30" maxlength="3" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="loan_length"> <label class="headline-regular">Length of loan (years)</label> </div> <div class="calculator__field"> <input class="calculator__input headline-regular" data-id="interest-rate" type="text" pattern="[0-9]+" value="3" maxlength="5" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="interest_Rate"> <label class="headline-regular">Interest rate</label> <span class="calculator__field__end headline-regular">%</span> </div> </div> <div class="calculator__result"> <span class="calculator__amount headline-regular">$<span class="headline-semibold">1,161</span></span> <span class="calculator__amount-blurb headline-regular">Your estimated monthly payment</span> </div> <div class="calculator__more-details" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <div class="calculator__more-details__header" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"> <span class="calculator__more-details__text headline-semibold" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details">More details</span> <span class="calculator__chevron" data-analytics-product-module="mortgage_calculator" data-analytics-product-area="more_details"><svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg></span> </div> <div class="calculator__more-details__wrap"> <div class="calculator__more-details__content"> <div class="calculator__fact headline-regular"><span>Total paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-total">418,177</span></span></div> <div class="calculator__fact headline-regular"><span>Principal paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-principal">275,520</span></span></div> <div class="calculator__fact headline-regular"><span>Interest paid</span><div class="calculator__fact__divider"></div><span class="calculator__fact__value headline-semibold">$<span data-id="breakdown-interest">42,657</span></span></div> <div class="calculator__tips"> <span class="calculator__tips__header headline-semibold">Ways you can save:</span> <ul class="headline-regular"> <li class="headline-regular">Paying a <span>25%</span> higher down payment would save you <span data-id="down-payment-savings">$8,916.08</span> on interest charges</li> <li class="headline-regular">Lowering the interest rate by <span>1%</span> would save you <span data-id="interest-rate-savings">$51,562.03</span></li> <li class="headline-regular">Paying an additional <span>$500</span> each month would reduce the loan length by <span data-id="monthly-savings">146</span> months</li> </ul> </div> </div> </div> </div> </div><h3>Pros and cons: 30-year fixed-rate refinance</h3><p><strong>Pros</strong></p><ul><li><strong>Lower monthly payments.</strong> If you have less than 30 years left on your current mortgage, you could potentially lower your monthly mortgage payment by a significant amount when you refinance into a 30-year term.</li><li><strong>Predictable payments.</strong> Unlike <a href="https://www.businessinsider.com/personal-finance/mortgages/adjustable-rate-mortgage" rel="">adjustable-rate mortgages</a>, fixed-rate mortgages keep your rate the same for the entire life of the loan, meaning your monthly payment won't change (other than adjustments for taxes or insurance).</li><li><strong>Flexibility.</strong> If you want a shorter term, like a <a href="https://www.businessinsider.com/personal-finance/mortgages/15-year-refinance-rates" rel="">15-year mortgage refinance</a>, but aren't sure you can handle a higher monthly payment, you can always get a 30-year refinance and treat it like a shorter-term mortgage. This way you can pay more toward your principal when you have extra cash, but you'll still have a lower payment just in case you need to use that money elsewhere. </li></ul><p>"Almost all 30-years can be paid off early, and any additional payments you make over your monthly obligation can be directed toward principal only," says Shawn O'Regan, a real estate broker and owner of <a href="https://veerealtors.com/" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">Vee Real Estate Brokers</a> in Raleigh, North Carolina. "So you can quickly reduce you loan balance and interest, since interest is calculated monthly based on the remaining balance."</p><p><strong>Cons</strong></p><ul><li><strong>Higher rates.</strong> Longer mortgage terms come with higher interest rates than shorter terms.</li><li><strong>Pay more in interest.</strong> The longer it takes you to pay off your mortgage, the more you'll pay in interest. If you're refinancing from a shorter term into a 30-year mortgage, you'll probably be significantly increasing the amount you'll pay over the life of the loan.</li></ul><h2 data-toc-label="Factors affecting your rate" id="factors-affecting-your-rate" class="toc-anchor">Factors affecting your 30-year refinance rate</h2><h3>Credit score</h3><p>Your <a href="https://www.businessinsider.com/personal-finance/credit-score/what-credit-score-is-needed-to-buy-a-house" data-analytics-product-module="body_link" rel="">credit score</a> will have a big impact on the rate you get, so it's important to make sure yours is in good shape if you're planning to refinance.</p><p>If you have room to improve your credit, doing things like paying down debt can help <a href="https://www.businessinsider.com/personal-finance/credit-score/how-to-improve-credit-score" data-analytics-product-module="body_link" rel="">boost your score</a> and get you a better rate.</p><h3>Home equity</h3><p>Just as your <a href="https://www.businessinsider.com/personal-finance/mortgages/how-much-down-payment-for-a-house" data-analytics-product-module="body_link" rel="">down payment</a> was so important when you initially bought your home, the amount of equity you have in it will make a difference when it comes to the refinance rates available to you. </p><p>The more equity you have, the lower your rate will likely be. This is because borrowers with more equity tend to be less at risk of defaulting on their mortgage compared to borrowers with little equity.</p><h3>Market conditions</h3><p>The biggest force impacting mortgage rates is out of your control. Rates fluctuate every day based on larger economic trends. For example, mortgage rates hit historic lows during the COVID-19 pandemic when the Federal Reserve cut the federal funds rate to near zero. But they've risen dramatically over the last couple of years in response to high inflation. </p><h2 data-toc-label="How to find the best rates" id="how-to-find-the-best-rates" class="toc-anchor">How to find the best 30-year refinance rates</h2><h3>Compare multiple lenders</h3><p>You don't necessarily need to work with your current lender when you refinance. The best thing you can do to ensure you get a low refinance rate is get approved with at least two or three mortgage lenders to compare offers. </p><h3>Get pre-qualified or preapproved</h3><p>Before you officially start the refinancing process, you may want to check out rates with a few different lenders or even get <a href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-preapproval" data-analytics-product-module="body_link" rel="">preapproved</a> just to get an idea of what rates are available to you. Some lenders may even let you do this with a soft credit check, meaning it won't impact your credit score. </p><h3>Consider closing costs</h3><p>When comparing lenders, remember that the rate isn't the only thing that you should be looking at. Some lenders may offer low rates but charge more in closing costs to make up for it. Be sure to look at all your potential costs when considering a mortgage refinance lender. </p><h2 data-toc-label="Is it a good time to refi into a 30-year mortgage?" id="is-it-a-good-time-to-refi-into-a-30-year-mortgage?" class="toc-anchor">Is it a good time to refinance into a 30-year fixed-rate mortgage?</h2><p>Whether or not it's a good time to refinance depends on your current rate and if it's higher or lower than today's average rates. </p><p>For most borrowers, now probably isn't a good <a href="https://www.businessinsider.com/personal-finance/mortgages/when-to-refinance-mortgage" data-analytics-product-module="body_link" rel="">time to refinance</a>. Many homeowners already have mortgage rates that are significantly lower than current rates, so refinancing likely wouldn't save them any money.</p><h2 data-toc-label="Should I get a 30-year refi?" id="should-i-get-a-30-year-refi?" class="toc-anchor">Should I get a 30-year fixed-rate refinance?</h2><p>If you're considering a refinance, it's important to think about your goals.</p><p>Typically, homeowners refinance when they want to decrease their monthly payment, lower their interest rate, or take cash out of their home. But doing so is only worth it if the benefits outweigh the costs.</p><p>Because you'll pay closing costs, it can cost a couple thousand dollars or more to refinance. If you plan to move soon or you can't get a lower rate, you might not be able to recoup the <a href="https://www.businessinsider.com/personal-finance/mortgages/average-refinance-closing-costs" data-analytics-product-module="body_link" rel="">cost of refinancing</a>.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">30-year refinance rates FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the 30-year refinance rate today? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Refinance rates have been higher than purchase rates recently. Average 30-year refinance rates were 6.35% in October.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can a 30-year fixed mortgage be refinanced? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can refinance a 30-year fixed-rate mortgage if you want to lower your rate, change your term, or take cash out of your home with a cash-out refinance.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Is it a good time to refinance into a 30-year mortgage? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Mortgage rates should drop in the coming months and years, but they're still relatively high right now, so it might not be the best time to refinance into a 30-year mortgage.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> When should I refinance my 30-year mortgage? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">When you should refinance depends on your goals. If you want a lower rate on your mortgage, you may need to wait, since today's 30-year refinance rates are higher than they've been in recent years.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score do I need for a 30-year refinance? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Generally, you'll need a credit score of at least 620 to qualify for a mortgage refinance. But the higher your score, the better your rate will be. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How much can I save by refinancing into a 30-year term? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">A refinance calculator can tell you how much you could save by refinancing. It all depends on the details of your current loan and your proposed refinance loan. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I refinance if I have an FHA or VA loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, if you have a government-backed loan like an FHA loan or VA loan, you can either refinance into another mortgage of the same type, or you can refinance into a different <a href="https://www.businessinsider.com/personal-finance/mortgages/types-of-mortgage-loans" data-analytics-product-module="body_link" rel="">type of mortgage</a> like a conforming loan. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How long does it take to refinance a 30-year mortgage? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">It can take a month or two to close on a mortgage refinance, but it depends on your situation and the lender. Generally, when a lot of people are applying for a mortgage at the same time (like during homebuying season), refinances can take longer, since they don't have the same tight deadlines that purchase mortgages do. </p> </div> </div> </div><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="molly-grace"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" alt="Headshot of Molly Grace"> <noscript> <img src="https://i.insider.com/621fc89f75b649001845be8a?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/molly-grace" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Molly Grace</div> </a> <div class="post-author_title headline-regular">Mortgage Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Molly Grace is a mortgage reporter for Business Insider with over six years of experience writing about mortgages and homeownership. </span><span><span class="headline-semibold">Experience</span></span><span>In addition to her daily mortgage rate coverage, Molly also writes mortgage lender reviews and educational articles on homebuying and analyzes data and economic trends to give readers actionable and up-to-date information about the housing market.</span><span>She also tracks affordable mortgage and down payment assistance programs offered throughout the country to keep her readers informed of homebuyer programs available to them. </span><span>Before Business Insider, Molly was a blog writer for Rocket Companies and helped to create Rocket Mortgage’s Shorty Award-winning podcast <em>Home. Made</em>.</span><span>Molly is passionate about covering personal finance topics with empathy. Her goal is to make homebuying knowledge more accessible, especially for groups that may think homeownership is out of reach. </span><span><span class="headline-semibold">Expertise</span></span><span>Molly is an expert in the following topics:</span><ul><li><span>Mortgages and mortgage lenders</span></li><li><span>Home equity</span></li><li><span>The housing market</span></li><li><span>The economy and the forces that impact mortgage rates</span></li><li><span>Budgeting and saving</span></li><li><span>Credit</span></li><li><span>Insurance</span></li><li><span>Retirement savings</span></li></ul><span><span class="headline-semibold">Education</span></span><span>Molly earned a bachelor's degree in journalism from Indiana University. </span><span>She is based in Michigan and has a dog and two cats. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="elias-shaya"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" alt="Elias Shaya looks at the camera. He stands outdoors, wearing a black jacket, with a city in the distant background."> <noscript> <img src="https://i.insider.com/63f938c4ae0bf0001824b2c1?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/elias-shaya" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Elias Shaya</div> </a> <div class="post-author_title headline-regular">Compliance Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Elias Shaya is a Compliance Associate on the Personal Finance Insider team based in New York City, which ensures content accuracy and editorial independence so readers are always getting up-to-date and objective financial advice.</span><span>The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up-to-date and accurate.</span><span>He joined Insider in February 2022 as a fellow on the compliance team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> <div class="ignore-typography"> <span class="zillow-disclaimer body-italic"> © Zillow, Inc., 2006-2016. 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