Refinance rates - Today's home refinance rates

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class="main-content" role="main" > <h1 class="accessible-text">Refinance rates</h1><div class="layouts"><div class="main-content__inner">  <div class="noscript"><noscript> <div class="feature-container"> <div class="body-copy__content "> <h2> <br> <br> Please turn on JavaScript in your browser</h2> <div class="bodycopycontainer parsys"> <div class="textinsert section"> <div class="body-copy__content--text-insert"> <p>It appears your web browser is not using JavaScript. 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Use our <a href="https://www.chase.com/personal/mortgage/calculators-resources/mortgage-calculator" class="chaseanalytics-track-link regular-link " data-pt-name="hl_calc-first">mortgage calculator</a> to get a customized estimate of your mortgage rate and monthly payment. Try our <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_hve" href="/personal/mortgage/calculators-resources/home-value-estimator">Home Value Estimator</a> to discover your home's value. For our current mortgage purchase rates, go to <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_purchase" href="/personal/mortgage/mortgage-rates">Mortgage Purchase Rates</a>.</p></div> </div> </div> </div> </div> </section> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/home-lending/mortgage-refinance-rates1"> <div class="module home-refinance"><div class="hl-small row feature-container full-width-table"> <div class="tile-container col-xs-12 col-md-7"> <div class="hl-small__content--title"> <h2>N/A</h2> </div> <div class="hl-small__content--area"> <p></p> </div> <div class="hl-small__content--disclaimer"> <p><span class="accessible-text"></span></p> </div> <div class="hl-small__content--cta-container"> </div> </div> <div class="home-lending-small col-xs-12 col-md-5"> <div class="refinance"> <div class="zip-feature-container"></div> <div class="link-feature-container"></div> <div class="table-feature-container"></div> </div> <div class="home-lending-small--spinner jpui spinner" aria-label=""></div> </div> </div> <script id="REFINANCE-zipUpdate" type="text/template"> <div class="primary-headline" tabindex="-1"> <p>Some of our products and features might be different depending on your location. With your ZIP code, we can make sure the information you see is accurate.</p> </div> <div class="known__user--heading known-user" tabindex="-1"> <p><h2>Current Home Refinance Rates<br /> </h2> </p> </div> <div class="unknown__user--heading unknown-user" tabindex="-1"> <p><h3>Want to know Mortgage rates for refinance?</h3> </p> </div> <div class="known__user--desc known-user" tabindex="-1"> <p>Get a more accurate rate by entering your ZIP code of the home you're looking to refinance.</p> </div> <div class="unknown__user--desc unknown-user" tabindex="-1"> <p>Please tell us your ZIP code to see your local rates.</p> </div> <div class="validation-container"> <div class="serviceErrorMessage"> <p>Enter Valid 5-digit ZIP code</p> </div> <div class="input-container"> <label for ="zipCodeInput-home-small-refinance" class="input-label">ZIP code</label> <input type="text" name="z" autocomplete="postal-code" placeholder="ZIP code" class="input-field allowOnlyNum" id="zipCodeInput-home-small-refinance" maxlength="5" pattern="\d*" value="" /> </div> <div class="cta-button-container"> <button type="submit" class="cta-button btn cta cta--primary chaseanalytics-track-link" id="zipcodeSubmit-refinance">See Rates</button> </div> </div> </script> <script id="REFINANCE-linkcontainer" type="text/template"> <div class="refinance-rate-headline"> <a id="REFINANCE-zipLink" class="refinance-rate-link chaseanalytics-track-link" data-pt-name="SM_ZipgateCTAtrackingvalue" href="#"><%= zipcode %> not your ZIP code? Change your ZIP code</span> <span class="refinance-rate-link-icon icon-right-progress"></span> <span class="accessible-text"></span></a> </div> </script> <script id="REFINANCE-smallHLTable" type="text/template"> <div class="table-container"> <div class="primary-headline"> <h2 class="headline-text">Browse today's current mortgage interest rates for refinance</h2> </div> <div class="rate-info-container"> <p>Refinance rates for <%=zipcode%> as of <%= timestampvalue %></p> <a class="get-custom-rate regular-link chaseanalytics-track-link" href="https://www.chase.com/personal/mortgage/calculators-resources/mortgage-calculator" data-pt-name="lnk-rate-payment">Get a customized rate and payment</a> </div> </div> </script> <script id="REFINANCE-desktopTable" type="text/template"> <div class="rate-table-wrapper"> <table> <caption><span class="util accessible-text">Today's refinance interest rates for your local area</span></caption> <thead> <tr> <th scope= "col" class="aligncenter"><p>LOAN TYPE</p> </th> <th scope= "col" class="aligncenter"><p>RATE</p> </th> <th scope= "col" class="aligncenter"><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> </tr> </thead> <tbody> <tr class="home-30"> <td class="home-small0name aligncenter">30 year Fixed</td> <td class="home-small0rate aligncenter">XXX%</td> <td class="home-small0apy aligncenter">XXX%</td> </tr> <tr class="home-15"> <td class="home-small1name aligncenter">15 year Fixed</td> <td class="home-small1rate aligncenter">XXX%</td> <td class="home-small1apy aligncenter">XXX%</td> </tr> <tr class="home-fha"> <td class="home-small4name aligncenter">FHA</td> <td class="home-small4rate aligncenter">XXX%</td> <td class="home-small4apy aligncenter">XXX%</td> </tr> <tr class="home-76"> <td class="home-small2name aligncenter">7/6 month ARM</td> <td class="home-small2rate aligncenter">XXX%</td> <td class="home-small2apy aligncenter">XXX%</td> </tr> <tr class="home-56"> <td class="home-small3name aligncenter">5/6 month ARM</td> <td class="home-small3rate aligncenter">XXX%</td> <td class="home-small3apy aligncenter">XXX%</td> </tr> <tr class="home-jumbo"> <td class="home-small5name aligncenter">30 year Jumbo</td> <td class="home-small5rate aligncenter">XXX%</td> <td class="home-small5apy aligncenter">XXX%</td> </tr> <tr class="home-IO"> <td class="home-small6name aligncenter">10/6 Interest only Jumbo ARM</td> <td class="home-small6rate aligncenter">XXX%</td> <td class="home-small6apy aligncenter">XXX%</td> </tr> </tbody> </table> </div> <div class="disclaimer aligncenter"><p>The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate and any discount points. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary.</p> <p>Rates displayed in the table include approximately 1 discount point and are based on the following assumptions: conforming 30-year fixed, 15-year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $350,000 with a loan to value of 55%. 30-year fixed Jumbo and 10/6 Interest Only ARM jumbo products are based on a loan amount of $1,300,000 with a loan to value of 55%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. <a class="chaseanalytics-track-link regular-link " data-pt-name="lnk-mortgage-rates2" href="/personal/mortgage/mortgage-rates2">See estimated monthly payments.</a></p> <p>Depending upon your credit profile and loan amount, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.</p> </div> </script> <script id="REFINANCE-mobileTable" type="text/template"> <div class="small-breakpoint-wrapper"> <table aria-label="Today's refinance interest rates for your local area"> <tbody> <tr class="home-small30"> <th><p>LOAN TYPE</p> </th> <td class="home-small0name">30 year Fixed</td> </tr> <tr class="home-small30"> <th><p>RATE</p> </th> <td class="home-small0rate">XXX</td> </tr> <tr class="home-small30 loan-separation"> <th><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> <td class="home-small0apy">XXX</td> </tr> <tr class="home-small15"> <th><p>LOAN TYPE</p> </th> <td class="home-small1name">15 year Fixed</td> </tr> <tr class="home-small15"> <th><p>RATE</p> </th> <td class="home-small1rate">XXX</td> </tr> <tr class="home-small15 loan-separation"> <th><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> <td class="home-small1apy">XXX</td> </tr> <tr class="home-smallfha"> <th><p>LOAN TYPE</p> </th> <td class="home-small4name">FHA</td> </tr> <tr class="home-smallfha"> <th><p>RATE</p> </th> <td class="home-small4rate">XXX</td> </tr> <tr class="home-smallfha loan-separation"> <th><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> <td class="home-small4apy">XXX</td> </tr> <tr class="home-small76"> <th><p>LOAN TYPE</p> </th> <td class="home-small2name">7/6 month ARM</td> </tr> <tr class="home-small76"> <th><p>RATE</p> </th> <td class="home-small2rate">XXX</td> </tr> <tr class="home-small76 loan-separation"> <th><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> <td class="home-small2apy">XXX</td> </tr> <tr class="home-small56"> <th><p>LOAN TYPE</p> </th> <td class="home-small3name">5/6 month ARM</td> </tr> <tr class="home-small56"> <th><p>RATE</p> </th> <td class="home-small3rate">XXX</td> </tr> <tr class="home-small56 loan-separation"> <th><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> <td class="home-small3apy">XXX</td> </tr> <tr class="home-smalljumbo"> <th><p>LOAN TYPE</p> </th> <td class="home-small5name">30 year Jumbo</td> </tr> <tr class="home-smalljumbo"> <th><p>RATE</p> </th> <td class="home-small5rate">XXX</td> </tr> <tr class="home-smalljumbo loan-separation"> <th><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> <td class="home-small5apy">XXX</td> </tr> <tr class="home-smallIO"> <th><p>LOAN TYPE</p> </th> <td class="home-small6name">10/6 Interest only Jumbo ARM</td> </tr> <tr class="home-smallIO"> <th><p>RATE</p> </th> <td class="home-small6rate">XXX</td> </tr> <tr class="home-smallIO"> <th><p>APR<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/calculators/mortgage-rate-calc-refi-apr-1/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></p> </th> <td class="home-small6apy">XXX</td> </tr> </tbody> </table> </div> <div class="disclaimer aligncenter"><p>The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate and any discount points. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary.</p> <p>Rates displayed in the table include approximately 1 discount point and are based on the following assumptions: conforming 30-year fixed, 15-year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $350,000 with a loan to value of 55%. 30-year fixed Jumbo and 10/6 Interest Only ARM jumbo products are based on a loan amount of $1,300,000 with a loan to value of 55%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. <a class="chaseanalytics-track-link regular-link " data-pt-name="lnk-mortgage-rates2" href="/personal/mortgage/mortgage-rates2">See estimated monthly payments.</a></p> <p>Depending upon your credit profile and loan amount, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.</p> </div> </script> <script id="REFINANCE-noCookie" type="text/template"> <div class="no-cookie-container"> <div class="primary-headline" tabindex="-1"> <span class="accessible-text">Cookies not enabled</span> <img class="autorate__update__update--error-message__img" src="/etc/designs/chase-ux/css/img/error-icon.png" alt="Alert Message" > <p>Cookies not enabled</p> </div> <div class="secondary-headline"> <p><b>We need cookies</b></p> <p>We use cookies to give you a more customized online experience. Learn more about why we use cookies.</p> <p>Browsers differ, but you can usually enable your cookies in your browser’s privacy settings (Usually under the Options or Settings menu for your browser)</p> <p>Once you've updated your cookies, refresh this page to continue.</p> </div> </div> </script> <script id="REFINANCE-serviceError" type="text/template"> <div class="service-error-container"> <div class="primary-headline" tabindex="-1"> <img class="error-message__img" src="/etc/designs/chase-ux/css/img/error-icon.png" alt="Alert Message" > <p> We weren’t able to find rates for your area</p> </div> <div class="secondary-headline"> Please try again with a different ZIP code</div> </div> </script> <script> require(["main"], function () { require(["amd/home-lending-small-table-dmps"], function (HomeLendingSmallDMPS) { HomeLendingSmallDMPS.init("REFINANCE"); }); }); </script></div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/bodycopy/personal/mortgage/calculators-resources/article-mortgage-refinance-rates"> <div class="module bodycopy"><section class="body-copy default "> <div class="feature-container"> <div class="body-copy__content divider"> <div class="bodycopycontainer parsys"><div class="textinsert section"><div class="body-copy__content--text-insert"> <h2>Mortgage refinance rates, explained</h2> <p>Refinance<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/servicemembers-and-dependents/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span> rates are the interest rates lenders offer when you’re replacing your current mortgage with a new loan, often with different terms or conditions. As such, refinance rates may be higher or lower than the original mortgage rate, depending on market conditions and your financial circumstances.</p> <h2>When to refinance your mortgage</h2> <p>There are various reasons you might consider <a class="chaseanalytics-track-link regular-link " data-pt-name="hf_lnk-refinancing" href="/personal/mortgage/education/owning-a-home/refinance-your-home">refinancing</a>, including the potential for lower refinance rates or due to a significant change in your finances. Let’s look at a few reasons some homeowners might explore mortgage refinancing:</p> <h3>Lower rates</h3> <p>A big reason to refinance is to help secure a <a class="chaseanalytics-track-link regular-link " data-pt-name="hf_lnk-lower-interest-rate" href="/personal/mortgage/education/financing-a-home/ways-to-reduce-mortgage-rates">lower interest rate</a>. By lowering your rate, you can potentially reduce both the size of your monthly payments and the total interest you pay over the lifetime of the loan.</p> <h3>Shorter terms</h3> <p>Another reason is to shorten the terms of your mortgage. This could mean moving from a 30-year to a 15-year mortgage, for example. While reducing your mortgage term could potentially increase what you pay monthly, it may also substantially decrease the amount of interest you pay overall.</p> <h3>Removing PMI</h3> <p>Typically, you can remove <a class="chaseanalytics-track-link regular-link " data-pt-name="hf_lnk-pmi" href="/personal/mortgage/education/financing-a-home/what-is-pmi-calculated">private mortgage insurance</a> (PMI) once you reach 20% equity in your home. If your home's value has gone up since you got your loan, you might now own 20% of its value, even if you haven't paid down the loan to that level. This happens because the higher home value lowers your loan-to-value ratio, increasing your equity percentage without you having to make extra payments on the loan.</p> <h2>How to get a better mortgage refinance rate</h2> <p>When homeowners seek to refinance, securing a better rate is often a top priority. The way to get a lower refinance rate can vary based on individual circumstances, but there are few general tips that may help:</p> <ul> <li><strong>Improving your credit:</strong> Your credit score is a major factor that lenders consider when determining your refinance rate. Generally, higher credit scores may help qualify you for lower interest rates. Improving your credit score by paying bills on time, reducing debt and correcting any inaccuracies in your credit report can be a helpful first step before you refinance. </li> <li><strong>Comparing multiple rates:</strong> Different lenders evaluate refinance applications differently, so getting multiple quotes may help you find more competitive rates. It might be wise to note the <a class="chaseanalytics-track-link regular-link " data-pt-name="hf_lnk-apr" href="/personal/mortgage/education/financing-a-home/how-mortgages-aprs-work1">annual percentage rate</a> (APR), as that includes the interest rate along with any fees the lender charges to give you a clearer picture of your expected annual costs of borrowing. </li> <li><strong>Timing your application:</strong> Mortgage refinance rates fluctuate based on economic conditions and market trends. Keeping an eye on these trends may give you an opportunity to refinance when rates are generally lower, potentially saving you money over the life of your loan. </li> <li><strong>Evaluating different terms:</strong> Different loan terms offer different rates. For example, shorter loan terms tend to carry lower interest rates compared to longer terms but with higher monthly payments. Depending on your financial situation, choosing a shorter term might be a cost-effective decision if you can manage the higher monthly expenses.</li> </ul></div> </div> </div> </div> </div> </section> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/bucket/personal/mortgage/cta/call-online-comein-grey"> <div class="module bucket"><div class="module-bucket module-bucket--4col neutral"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">Take the first step of preapproval<span class="disclosure" data-disclosure-url="/content/chase-ux/en/structured/module/disclosure/personal/mortgage/results-do-not-guarantee/_jcr_content/module/disclosurecontainer.html?wcmmode=disabled"></span></h2> </div> </div> <div id=1aa5b3e3-b2ff-45fa-8f0e-a01db0e3eb1c class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__title "> <h3>Ready to apply?</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/new-to-chase-bucket.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__title hide"> <h3>Ready to apply?</h3></div> <div class = "module-bucket--tile__cta-section2"> <div class="module-bucket--tile__btn"> <a class="btn cta cta--btn-green-aloe cta--small chaseanalytics-track-link" href="https://secure.chase.com/web/oao/application/retail#/origination;cfgCode=502002;sourceCode={addSourceCode};SourceCode={addSourceCode}/index/index" data-pt-name="hf_btn-apply-online" data-sourcecode="true"> Start online</a> </div> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> <div class="module-bucket--tile__title "> <h3>Come in</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/have-questions-bucket.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-12"> <div class="module-bucket--tile__title hide"> <h3>Come in</h3></div> <div class = "module-bucket--tile__cta-section2"> <div class="module-bucket--tile__btn"> <a class="btn cta cta--btn-green-aloe cta--large chaseanalytics-track-link" href="https://homelendingadvisor.chase.com/" data-pt-name="hl-lnk-hladvisor"> Find a Home Lending Advisor</a> </div> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row center "> <div class="module-bucket--tile__image-title-wrapper col-xs-12"> </div> <div class="module-bucket--tile__text col-xs-12"> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("1aa5b3e3-b2ff-45fa-8f0e-a01db0e3eb1c"); }); }); </script> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/bucket/personal/mortgage/mortgage-rates-learn-bucket"> <div class="module bucket"><div class="module-bucket module-bucket--3col default"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">Learn about mortgage rates</h2> </div> <div class="module-bucket__content--heading__desc"> <p><p style="text-align: center;">Mortgage rates are the rate of interest that is charged on a mortgage. Calculated by your lender, mortgage rates can either be fixed for the length of your mortgage or adjustable based on the current market.</p> </p> </div> </div> <div id=6360fa08-e21b-4e5c-acd6-9d66a4d4ab3c class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-01.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__desc desc-left"> <p>Based on a number of factors, <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-mort-rates" href="/personal/mortgage/mortgage-purchase/choose-a-loan/terms-and-rates">mortgage rates</a> are indicators of the level of risk a potential homebuyer presents to a lender. The higher <span>the risk, the higher the mortgage rate. Qualified homebuyers can find lower mortgage rates by having a good <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-credit-score" href="/personal/mortgage/mortgage-purchase/get-started/credit-score">credit score</a>, a higher </span><a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-downpayments" href="/personal/mortgage/mortgage-purchase/get-started/down-payment"><span>down payment</span></a><span> and shorter loan terms.</span></p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-02.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__desc desc-left"> <p>Mortgage interest rates are just one part of your mortgage and they are often confused with annual percentage rate. Learn more about <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-rates-diff-aprs" href="/personal/mortgage/education/financing-a-home/how-mortgages-aprs-work">how interest rates differ from APRs</a>.</p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-4 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-03.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__desc desc-left"> <p><a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-lock-rate" href="/personal/mortgage/mortgage-purchase/choose-a-loan/lock-a-rate">Locking in an interest rate</a> is also an option to ensure a lower mortgage rate. However, as mortgage rates change daily, work with your <a class="chaseanalytics-track-link regular-link " data-pt-name="hl_lnk-hla" href="https://homelendingadvisor.chase.com/">Home Lending Advisor</a> to secure a rate <span>for your budget and mortgage.</span></p> </div> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("6360fa08-e21b-4e5c-acd6-9d66a4d4ab3c"); }); }); </script> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/bucket/personal/mortgage/mortgage-refinance-rates-resources-bucket"> <div class="module bucket"><div class="module-bucket module-bucket--4col default divider"> <div class="feature-container row"> <div class="module-bucket__content--heading col-xs-12"> <div class="module-bucket__content--heading__title"><h2 style="text-align: center;">Mortgage refinance rates resources </h2> </div> </div> <div id=2c39d82e-8ead-4b40-98b6-e8b9a16178a9 class="module-bucket--tiles"> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>Mortgage interest rate vs. APR </h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-04.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>Mortgage interest rate vs. APR </h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Learn the difference between mortgage interest rates and APRs <span>or annual percentage rates.</span></p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/financing-a-home/how-mortgages-aprs-work" data-pt-name="hl_lnk-interest-rates-vs"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about interest rates vs. APRs</span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>7 ways to reduce mortgage rates</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.jpg/chase-ux/heroimage/primary/personal/mortgage/seo_ways-to-reduce-mortgage-rates_20210831.jpg" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>7 ways to reduce mortgage rates</h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Whether you're shopping for mortgages, close to signing or a few years into yours, there are always ways to reduce your monthly payments.</p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/financing-a-home/ways-to-reduce-mortgage-rates" data-pt-name="hl_lnk-reducing-rates"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about reducing mortgage rates</span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>When can you refinance a mortgage?</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.jpg/chase-ux/bodycopy/primary/personal/mortgage/when-to-refinance-a-mortgage-ec-hero.jpg" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>When can you refinance a mortgage?</h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Read the factors you should first consider when determining if refinancing makes sense for you.</p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/financing-a-home/when-to-refinance-a-mortgage" data-pt-name="hl_lnk-aff-down-payment"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about when to refinance</span> </a> </p> </div> </div> </div> </div> <div class="module-bucket--tile divider-separator col-sm-3 col-xs-12"> <div class="module-bucket--tile__inner row left mobileleft"> <div class="module-bucket--tile__image-title-wrapper col-xs-5 col-sm-12"> <div class="module-bucket--tile__title xs-hide lg-show"> <h3>How to use a mortgage calculator</h3></div> <div class="module-bucket--tile__image"> <div class="module-bucket--tile__link"> <img src="/content/services/structured-image/image.mobile.png/chase-ux/bucket/secondary/personal/mortgage/mortgage-rates-07.png" alt=""/> </div> </div> </div> <div class="module-bucket--tile__text col-xs-7 col-sm-12"> <div class="module-bucket--tile__title xs-show lg-hide"> <h3>How to use a mortgage calculator</h3></div> <div class="module-bucket--tile__desc desc-left"> <p>Follow this step-by-step guide for calculating your estimated mortgage payments.</p> </div> <div class = "module-bucket--tile__cta-section2"> <p class="module-bucket--tile__action"> <a class="module-bucket--tile__action-link caret-link chaseanalytics-track-link" href="/personal/mortgage/education/financing-a-home/how-to-use-mortgage-calculator" data-pt-name="hl_lnk-use-mortgage-calc"> Learn more<span class="icon-right-progress"></span> <span class="accessible-text"> about how to use the mortgage calculator</span> </a> </p> </div> </div> </div> </div> </div> </div> </div> <script> require(["main"], function () { require(["amd/buckets"], function (Buckets) { Buckets.init("2c39d82e-8ead-4b40-98b6-e8b9a16178a9"); }); }); </script> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/bodycopy/personal/mortgage/mortgage-rates-helpful-tools-bodycopy"> <div class="module bodycopy"><section class="body-copy default "> <div class="feature-container"> <div 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Browse our tools, resources and articles for help understanding how buying a home, refinancing a mortgage and tapping into your home's equity works.</p></div> </div> </div> </div> </div> </section> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/twocolumnvariants/personal/mortgage/mortgage-rates-helpful-tools"> <div class="module twocolumnvariants"> <div class="colctrl-section default "> <div class="colctrl-section--inner feature-container row "> <div class="colctrl-section__2colcontainer--one hidecolumn col-xs-12 col-sm-6 col-lg-6"> <div class="image section"> <div class="col--control__image-container hideimage"> <img src="/content/dam/structured-images/chase-ux/bodycopy/primary/personal/mortgage/how-to-article-15mortprocess.jpg" alt=""/> </div> </div> </div> <div class="colctrl-section__2colcontainer--two col-xs-12 col-sm-6 col-lg-6"> <div class="bodysection section"> <div class="col--control__body--tile-section "> <div class="col--control__body--tile-section--inner col-xs-12"> <div class="col--control__body--tile-section--content "> <div class="col--control__body--tile-section--desc"> <p> </p> <ul style="list-style: none;"> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-affordable-lending" href="/personal/mortgage/affordablelending">Affordable lending</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-jumbo-loan" href="/personal/mortgage/jumbo-mortgage">Jumbo Mortgage</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-mort-dictionary" href="/personal/mortgage/mortgage-glossary-terms">Mortgage dictionary</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-faqs" href="/personal/mortgage/faq/first-time-homebuyer">Frequently asked questions</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-education-ctr" href="/personal/mortgage/tools-and-education">Education center</a></li> <li><a class="chaseanalytics-track-link caret-link-rte " data-pt-name="hl_lnk-video-library" href="/personal/mortgage/helpful-tips-and-videos">Video library</a></li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/accordion/personal/mortgage/refinance-rates-faq"> <div class="module accordion"><div class="accordians feature-container"> <div class="accordians__inner"> <div class="accordians__inner--heading"> <h2><span style="font-weight: normal;">Mortgage refinance rates FAQs</span></h2> </div> <div id="refinance-rates-faq" class="accordians__inner--content"> <div class="accordians_section_container"> <div class="accordians-section-container parsys"><div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#refinance-rates-faq_fixedrate" content-link data-link="fixedrate" data-pt-name="fixedrate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3>1. Can you refinance a fixed-rate mortgage?</h3> </span> <span class="accessible-text accordian"></span> </button> <section id="refinance-rates-faq_fixedrate" class="accordians__inner--content__buttons--desc"> <p>Yes, you can refinance a fixed-rate mortgage. Refinancing allows you to effectively replace your existing mortgage with a new one, potentially with different terms, a lower interest rate or a different type of mortgage. Many homeowners refinance to adjust their mortgage according to changes in their financial situation or market conditions.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#refinance-rates-faq_same-interest-rate" content-link data-link="same-interest-rate" data-pt-name="same-interest-rate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3>2. Can you refinance and keep the same interest rate?</h3> </span> <span class="accessible-text accordian"></span> </button> <section id="refinance-rates-faq_same-interest-rate" class="accordians__inner--content__buttons--desc"> <p>While many homeowners refinance to secure a lower rate, it is possible to refinance and keep the same interest rate. This could be beneficial if other terms, such as loan duration or the type of rate (such as opting for a fixed-rate over an adjustable-rate mortgage are better suited for your current financial circumstances. However, this may not always be the case due to market conditions. There can be options for a customer to buydown the rate, if rates have increased.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#refinance-rates-faq_adjustable-rate" content-link data-link="adjustable-rate" data-pt-name="adjustable-rate" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3>3. Can you refinance an adjustable-rate mortgage?</h3> </span> <span class="accessible-text accordian"></span> </button> <section id="refinance-rates-faq_adjustable-rate" class="accordians__inner--content__buttons--desc"> <p>Yes, you can refinance an adjustable-rate mortgage (ARM). Some choose to replace their ARM with a fixed-rate mortgage to obtain a more stable and predictable monthly payment.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#refinance-rates-faq_refi-purchase-rates-same" content-link data-link="refi-purchase-rates-same" data-pt-name="refi-purchase-rates-same" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3>4. Are refinance rates the same as mortgage rates?</h3> </span> <span class="accessible-text accordian"></span> </button> <section id="refinance-rates-faq_refi-purchase-rates-same" class="accordians__inner--content__buttons--desc"> <p>Refinance rates and mortgage rates may be similar but are not always identical. Lenders might offer slightly different rates for refinancing compared to those for new home purchases, depending on various factors including market conditions, borrower creditworthiness and lender policies.</p> </section> </div> </section> </div> <div class="accordionsection section"><section class="accordians__inner--content__buttons"> <div class="accordians__inner--content__buttons-wrapper"> <button class="accordian " href="#refinance-rates-faq_interest-rate-drop" content-link data-link="interest-rate-drop" data-pt-name="interest-rate-drop" aria-expanded="false"> <span class="accordians__inner--content__buttons--icon icon-right-progress"></span> <span class="accordians__inner--content__buttons--heading"> <h3>5. Should I refinance if interest rates drop?</h3> </span> <span class="accessible-text accordian"></span> </button> <section id="refinance-rates-faq_interest-rate-drop" class="accordians__inner--content__buttons--desc"> <p>Refinancing when interest rates drop might be advantageous if the new rate significantly lowers your monthly payment, reduces the overall interest cost or helps adjust the loan term to better suit your financial goals. Speaking with a qualified home lending advisor can help you determine if refinancing makes sense for you and your unique financial situation.</p> </section> </div> </section> </div> </div> </div> </div> </div> </div> </div> </div> <div class="scroll-tracking" data-scroll-tracking-module-name="/content/chase-ux/en/structured/module/stickyorigination/personal/mortgage/mortgage-rates-purchase-sticky-button"> <div class="module stickyorigination"><div class="sticky-footer-dropzone"></div> <div class="sticky-footer divider" aria-label="To get prequalified for a mortgage start online." role="region"> <div class="sticky-footer--container"> <div class="sticky-footer--container-inner"> <div class="sticky-footer--tile__cta sticky-footer--tile__cta-single"> <a class="btn cta cta cta--btn-green-aloe cta--large chaseanalytics-track-link" href="https://secure.chase.com/web/oao/application/retail#/origination;cfgCode=502002;sourceCode={addSourceCode};SourceCode={addSourceCode}/index/index" data-pt-name="mortgage_startonline" data-sourcecode="true"> Start online</a> </div> </div> </div> </div> <script type="text/template" id="StickyfooterCloseWrapper"> <div class="sticky-footer--close"> <button type="button" class="icon-close chaseanalytics-track-link" data-pt-name=""> <span class="accessible-text">close</span> </button> </div> </script> </div> </div> <script> require(["adservice"], function () { require(["slotplacement/service"], function (Service) { var adPageId = ""; var language = $("html").attr("lang"); Service.init(adPageId, {locale: language}, "", "", true); }); }); </script> <script> require(["main"], function () { require(["amd/anchorlink"], function (AnchorLinks) { AnchorLinks.init(); }); }); </script> <script> require(["main"], function () { require(["amd/dynamic-page-creation"], function (DynamicPage) { var options = { "layouts": [ { "id": "standalone_a", "aboveFoldModules": [], "belowFoldModules": [] } ] }; DynamicPage.init(options); }); }); </script> </div> </div> </main><script> try { var mid = _GetCookie(VisitorApi.cookie).match(/MCMID\|[0-9]+/)[0].split("|")[1]; var aamlh = _GetCookie(VisitorApi.cookie).match(/MCAAMLH\|[0-9]+/)[0].split("|")[1]; } catch (err) { console.log("User profile not found"); var mid, aamlh; } var propertyObj; var requestObj = { id: {"marketingCloudVisitorId": mid}, experienceCloud: {"audienceManager": {"locationHint": aamlh}}, execute: { pageLoad: {} } }; propertyObj = { property: { token: "0e815903-d1a3-d64d-7c87-ef47f1260111" }}; requestObj = Object.assign(requestObj, propertyObj); //manually call the pageLoad/global-mbox adobe.target.getOffers({ request: requestObj }) .then(function (response) { adobe.target.applyOffers({response: response}); }) .then(null,function (error) { RPT_AddTNTVariables("wa_cb", (new Date()).getTime() + "." + Math.floor(Math.random() * 1000000), "wa_uri", window.location.href,"wa_pt", document.title,"wa_tp", "15", "jp_pepr", "tnt", "jp_petc", "2", "jp_peid", "00000:0:0", "jp_pepl" , "target-global-mbox" , "jp_pecv" ,error.message ); RPT_RecordTNTEvent(); console.error( error); }); </script> <footer class="footer" role="contentinfo"> <div class="footer"><div class="feature-container"> <div class="footer__module-footer" > <div class="footer__module-footer__section "> <div class="footer__module-footer__section--disclaimer"> <div class="disclosure--drop-zone"></div> <div class="footer__static"> <div class="disclaimer"><div class="footer__dynamic"> <p>All home lending products are subject to credit and property approval. 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