Best Mortgage Refinance Lenders of November 2024

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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":"Best Mortgage Refinance Lenders of November 2024","alternativeHeadline":"Best Mortgage Refinance Lenders of November 2024","image":{"@type":"ImageObject","url":"https://i.insider.com/5f722cdb74fe5b0018a8dce0?width=1200&format=jpeg","width":1200,"height":900,"caption":"You might want to refinance if you're able to secure a better interest rate or lower monthly payments."},"name":"Best Mortgage Refinance Lenders of November 2024","datePublished":"2024-10-29T20:28:26Z","dateModified":"2024-10-29T20:28:26Z","description":"Discover the top mortgage refinance companies and learn the key factors to consider when choosing the best lender for your refinancing goals.","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.The information for the following product(s) has been collected independently by Business Insider: Carrington Mortgage Services Refinance. The details for these products have not been reviewed or provided by the issuer.You might have different priorities when choosing a refinance lender than when you first got your mortgage. For example, a fast closing probably won't matter to you as much as getting the lowest rate possible.As you compare mortgage refinance lenders, be sure to consider your overall costs, including closing costs, in addition to your rate. When picking the best mortgage lenders for refinancing, Business Insider looked for lenders that have low average rates and fees, thrive in customer satisfaction, and have features that help them stand out — such as offering loans with low minimum credit scores or digital closing options.These are the best mortgage refinance lenders as chosen by Business Insider editors in 2024.Offers affordable mortgage programs, including lender credits up to $7,500 and a 1% down conventional loan.620Conventional, cash-out, FHA, VA refinancingRocket Mortgage, formerly known as Quicken Loans, is a strong lender in general and our \"best overall\" pick for the best mortgage refinance lenders. It's a great option if you're comfortable applying online and have a good credit score.Rocket Mortgage is our top choice thanks to its easy-to-use online application and its strong track record in providing great customer service. It's ranked as the No. 2 lender for customer satisfaction in J.D. Power's 2023 Mortgage Origination Satisfaction Study. Refinancers will like the lender's \"YOURgage\" loans, which let you choose any term length between eight and 29 years. What to look out for: Its loan options are relatively limited, and it doesn't have any in-person branches. Rocket's rates and fees are around average compared to other lenders, according to Home Mortgage Disclosure Act data.Rocket Mortgage ReviewOffers a Low Cost Mortgage option where you pay only $395 in closing costs (in exchange for a higher rate)N/A3%Conforming, Smart Rate Adjustable Mortgage, jumbo, bridge loan, HELOC, home equity loanThird Federal Savings and Loan is a really unique mortgage lender that offers an impressive number of perks compared to other lenders we've reviewed.Third Federal Savings and Loan is an extremely affordable mortgage lender if you're looking for a low rate or low fees. Based on our review of HMDA data, Third Federal's average mortgage rates are significantly lower than many other lenders we've reviewed. This lender also offers a product called a Low Cost Mortgage, which comes with only $395 in closing costs. If you don't want to pay a lot of cash out of pocket to refinance, this could be a good option for you. However, you'll have a slightly higher rate to compensate for the costs the lender covers. What to look out for: Third Federal mortgages are only available in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, and Washington, D.C. Third Federal Mortgage Review6503%Conforming, jumbo, FHA, VA, HELOCA lot of lenders offer VA loans, including many of the lenders on this list. But for refinancing, we like PenFed, which has low average fees, according to HMDA data. Plus, if you're getting a VA streamline refinance (also known as an interest rate reduction refinance loan), PenFed will cover your closing costs (including the VA funding fee).What to look out for: You'll need to become a member to get a mortgage with PenFed. Fortunately, becoming a member is fairly easy. You'll just need to fill out a form and open a savings account with a $5 minimum deposit.PenFed Mortgage ReviewOffers hybrid closing where you can sign most of your documents digitally, and have a quicker in-person closing appointment620Conventional, cash-out, FHA, VA refinancingFairway Independent Mortgage is one of Personal Finance Insider's best online mortgage lenders. It's an overall affordable lender with a variety of mortgage options for borrowers to choose from.Fairway Independent Mortgage Corporation is a good refinance lender overall, and offers hybrid and remote closing options for a more streamlined closing experience. It also earned the top spot in customer satisfaction in J.D. Power's 2023 origination study.Fairway Independent lets borrowers have a hybrid or fully remote closing. With a hybrid closing, you can sign most of your documents digitally, and have a quicker in-person closing appointment. In some states, the entire process can be completed digitally.What to look out for: Our review of the latest HMDA data found that Fairway's rates and fees are around average compared to other lenders.Fairway Independent Mortgage Corporation ReviewIf you already have a mortgage or account with US Bank, you may be able to get up to $1,000 off your closing costs if you refinance through this lender.620Conventional, cash-out, FHA, VA refinancingUS Bank is a good choice for those who already have mortgages or accounts with this bank. Its existing customer discount on its mortgages is better than similar offers from other lenders.U.S. Bank is a good choice for those who already have mortgages or accounts with this bank. Its existing customer discount on its mortgages is better than similar offers from other lenders.U.S. Bank's average fees are on the low end, according to HMDA data.If you already have a mortgage or account with U.S. Bank, you may be able to get up to $1,000 off your closing costs if you refinance through this lender.What to look out for: U.S. Bank ranked average in J.D. Power's 2023 satisfaction study.U.S. Bank Mortgage ReviewOffers several mortgages that have flexible credit guidelines, including its Carrington Flexible Advantage Refinance mortgage, which allows credit scores as low as 550 and recent negative credit events like bankruptcy.620Conventional, cash-out, FHA, VA, USDA, Carrington Flexible AdvantageCarrington is an affordable option for those with rocky credit histories and credit scores as low as 500.Carrington Mortgage Services is an affordable option for those with rocky credit histories and credit scores as low as 500.Carrington offers several mortgages that have flexible credit guidelines, including its Carrington Flexible Advantage Refinance mortgage, which allows credit scores as low as 550 and recent negative credit events like bankruptcy.What to look out for: Carrington doesn't lend in Massachusetts or North Dakota. According to HMDA data, this lender's rates and fees are higher than average.Carrington has an NR, or \"no rating\" from the BBB because the lender is responding to previously closed complaints. Additionally, in November 2022, the Consumer Financial Protection Bureau ordered Carrington to pay $5.25 million in fines for supposedly violating borrowers' CARES Act rights. The CFPB claims that the lender misled borrowers seeking CARES Act forbearance and denied them key protections provided by the pandemic-era law.Carrington Mortgage Services ReviewThe lenders on this list are affordable and have offerings that should meet most borrowers' needs, but ultimately it comes down to what rate you're offered and whether a given lender suits your needs. There are a few different reasons to refinance your mortgage. Think about what you want to achieve with your refinance, and look for lenders that can meet those needs.Are you looking to do a cash-out refinance? Do you want to change the type of mortgage you have? Is getting the lowest rate possible more important than having a good customer service experience? Make sure the lenders you're considering offer the type of refinance and level of service you want. Mortgage rates can vary a lot between lenders, and your own financial situation will have a big impact on the range of rates available to you. You might be able to get a low rate with a specific lender, while another borrower can get a better rate elsewhere.The best way to know what rate you'll get with a lender is to apply for a mortgage. Experts typically recommend applying with at least three different lenders to be able to compare rates accurately. Though borrowers often start the refinancing process with the goal of getting the lowest rate possible, it's important to consider your overall costs. Some lenders offer low rates but charge a lot in fees or add discount points to lower the rate (which you'll pay for at closing). Refinancing can enable you to tap into your home's equity, lower your rate, get rid of mortgage insurance, extend or shorten your term, or change the type of mortgage you have.You'll need to meet the lender's credit requirements to qualify for a mortgage refinance, and having a great credit score can help you snag a better rate.The exception to this is if you're getting a streamline refinance, which is available on government-backed mortgages. Some streamline transactions don't require the borrower to show a credit score. You'll need to do some math to figure out if it makes sense financially to refinance. Because refinancing isn't free, you'll want to weigh the costs against the benefits.For example, if you're refinancing to lower your mortgage payment, calculate how long it will take you to recoup your closing costs. If you spent $2,000 to refinance and lowered your monthly payment by $200, it would take 10 months of payments to break even. An online refinance calculator can help you figure out if refinancing is worth it. You don't have to get a mortgage with your current lender or bank, but you might find that it can offer you certain benefits or discounts as a returning customer. Big banks are well-established financial institutions that offer many other services besides mortgage lending. Although they sometimes have a reputation for not offering as much personalized support as smaller lenders, many of the big bank lenders we've reviewed rank high in customer satisfaction.Nonbank mortgage lenders that operate mostly online are a popular choice with tech-savvy borrowers. These lenders may offer lower rates since they don't have the same operational costs as lenders with physical footprints, but this isn't always the case.Smaller, local lenders are often able to offer better customer service than lenders that are working with a large number of borrowers. But you should compare their rates with some larger lenders to make sure they're competitive. A mortgage broker will do all the legwork of getting quotes from different mortgage lenders for you. If you want to be able to easily compare many different loan options, you might prefer working with a broker.The best company for refinancing depends on your needs and goals. If a good customer service experience is important to you, a lender like Rocket Mortgage might be a good pick. If you have a lower credit score, you might like Carrington Mortgage Services.You might prefer refinancing with your current lender if you like the customer service it offers and you value convenience. But shopping around and comparing rates for the type of loan you want (like a 30-year mortgage refinance) gives you a chance to see what types of deals are available to you.You can find the best refinance rates by getting quotes from a few different lenders and comparing the rates they offer you. If the rates you're being offered are relatively high, you might need to work on your credit score to get a better rate. There's no single lender that offers the best mortgage rates, since rates change every day and your rate will be based on your individual financial profile. Keep an eye on current mortgage refinance rates to see where rates are at right now, and compare that to the rates you're offered as you shop around for a lender.Choosing a bank or online lender for your refinance depends on your needs and goals. If you prefer a quick application process that you can complete from the comfort of your home, you might like an online lender. But working with a bank that has physical branches can have benefits too, particularly if you want to sit down face-to-face to discuss your options.Lenders typically look for at least a 620 credit score to refinance into a conventional loan, and a 580 score to refinance into an FHA loan. You'll also likely need a certain amount of equity in your home — possibly as little as 5%, or as much as 20%.To choose the right refinance lender for you, consider the type of loan you want and what features are important to you (such as an online application or great customer service), then narrow down your search to a handful of lenders so you can get approved with each of them to see who can offer you the best deal in terms of both rate and fees. To help you learn more about refinancing and lenders, four experts weighed in:We consulted mortgage and financial experts to inform these picks and provide their insights about mortgage refinance lenders. Here's what they had to say about mortgage refinancing. (Some text may be lightly edited for clarity.)How can someone know whether it's a good time to refinance?Julie Aragon, Aragon Lending Team:\"The monthly savings and the cost for the refinance. When you have those two things, you can determine the break-even point. Also, how long they intend to stay in the house. If they know they're going to sell next year, it probably doesn't make sense to refinance.\"Lauryn Williams, CFP:\"A lot of times people don't realize refinancing comes with some additional costs. There's those closing costs, title costs, et cetera, that are tied into the overall fees. Simply getting a lower interest rate doesn't mean that you're saving money, is the biggest factor that a lot of people are not aware of.\"What factors should someone take into consideration when choosing a mortgage refinance lender?Anthony Park, author:\"I feel like with a refinance, you're going based on numbers a lot more than on your original mortgage. Probably because the mortgage feels like more of a weighty transaction, whereas with refinancing, you're kind of an old hand at it at this point. I think the numbers matter a lot more for a refinance.\"Molly Grace, Business Insider\"You don't have the same time crunch during a refinance that you do when you're purchasing, so take your time to really evaluate the offers you're shown and don't rush into anything. Lenders are pros at making refinancing sound really attractive — even if it's not necessarily the best long-term financial move for you. Remember that their job is to sell you something, and your job is to make sure you're making the best decisions for your finances.\"When is it a good idea to get a cash-out refinance?Julie Aragon, Aragon Lending Team:\"Investing the money into the home I think is always a good idea, as long as the math makes sense. Also paying off high-interest credit card debt. We have some clients, when we look at all of their debts, some are at 19% or 20%. By paying off all this crap, they'll save $1,500 or $2,000 a month.\"Lauryn Williams, CFP:\"I think it's a tough situation, because sometimes with cash-out refi is, you're thinking of things like credit card debt. This is the biggest one I hear from clients: I can get rid of this 23% interest that I have on my credit card debt, and I can put it in my 2% mortgage. Well, you just took something that was not tied to any collateral. They can't take your home away if you don't pay your credit card debt. So something that previously couldn't result in my home being in a way now can add to the stress of my home being taken away should I not be able to pay my mortgage.\"Methodology: How Did We Choose the Best Mortgage Refinance Lenders?To choose the top mortgage refinance lenders of November 2024, we looked at four main factors:See our full ratings methodology for mortgage lenders »","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 best company to use for a refinance?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">The best company for refinancing depends on your needs and goals. If a good customer service experience is important to you, a lender like Rocket Mortgage might be a good pick. If you have a lower credit score, you might like Carrington Mortgage Services.</p>"}},{"@type":"Question","name":"Is it better to refinance with your current lender?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">You might prefer refinancing with your current lender if you like the customer service it offers and you value convenience. 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toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Best for Digital Closing </a> </li> <li> <a href="#best-for-existing-customers" 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"}" > Best for Existing Customers </a> </li> <li> <a href="#best-for-low-credit-scores-" 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"}" > Best for Low Credit Scores </a> </li> <li> <a href="#why-there's-no-single-'best'-refinance-company" 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 There's No Single 'Best' Refinance Company </a> </li> <li> <a href="#questions-to-ask-yourself" 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"}" > Questions to Ask Yourself </a> </li> <li> <a href="#how-to-find-the-best-refinance-company" 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 Refinance Company </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> <li> <a 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</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 " 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Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </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/mortgages" 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 " href="https://www.businessinsider.com/personal-finance/mortgages/best-lenders-for-fha-loans" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best FHA 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-heloc-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best HELOC Lenders </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/investing" data-track-click="{"product_field":"pfi_investing","event":"navigation","element_name":"helpfulness_navbar"}" > Investing </a> </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/taxes" data-track-click="{"product_field":"pfi_taxes","event":"navigation","element_name":"helpfulness_navbar"}" > Taxes </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold 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data-track-click="{"product_field":"Mortgages","element_name":"breadcrumbs","event":"navigation"}" > Mortgages </a> </span> </div> <h1 class="post-headline ">Best Mortgage Refinance Lenders of November 2024</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/sarah-silbert" >Sarah Silbert</a><span class="headline-regular">;</span> 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class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#best-mortgage-refinance-lenders" 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"}" > Best Mortgage Refinance Lenders </a> </li> <li> <a href="#best-overall" 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"}" > Best Overall </a> </li> <li> <a href="#best-for-low-costs" 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"}" > Best for Low Costs </a> </li> <li> <a href="#best-for-veterans" 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"}" > Best for Veterans </a> </li> <li> <a href="#best-for-digital-closing" 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"}" > Best for Digital Closing </a> </li> <li> <a href="#best-for-existing-customers" 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"}" > Best for Existing Customers </a> </li> <li> <a href="#best-for-low-credit-scores-" 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"}" > Best for Low Credit Scores </a> </li> <li> <a href="#why-there's-no-single-'best'-refinance-company" 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 There's No Single 'Best' Refinance Company </a> </li> <li> <a href="#questions-to-ask-yourself" 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"}" > Questions to Ask Yourself </a> </li> <li> <a href="#how-to-find-the-best-refinance-company" 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 Refinance Company </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> <li> <a href="#why-you-should-trust-us" 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 You Should Trust Us </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><p class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Carrington Mortgage Services Refinance. The details for these products have not been reviewed or provided by the issuer.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>You might have different priorities when choosing a refinance lender than when you first got your mortgage. For example, a fast closing probably won't matter to you as much as getting the lowest rate possible.</p><p>As you compare mortgage refinance lenders, be sure to consider your overall costs, including closing costs, in addition to your rate. </p><div class="myFinance-widget" data-campaign="bi-mtgrt-cashoutrefi-multi" data-widget-id="949ce8ea-ccee-498f-8c33-e019c09fd52f"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-src="https://static.myfinance.com/widget/myFinance.js" data-async="true" data-defer="true"></div> </div><h2 data-toc-label="Best Mortgage Refinance Lenders" id="best-mortgage-refinance-lenders" class="toc-anchor">Best Mortgage Refinance Lenders</h2><ul><li>Rocket Mortgage: Best overall</li><li>Third Federal Savings and Loan Mortgage: Best for low costs</li><li>Pentagon Federal Credit Union Mortgage: Best for veterans</li><li>Fairway Independent Mortgage Corporation: Best for digital closing</li><li>U.S. Bank: Best for existing customers</li><li>Carrington Mortgage Services: Best for low credit scores</li></ul><p>When picking the best mortgage lenders for refinancing, Business Insider looked for lenders that have low average rates and fees, thrive in customer satisfaction, and have features that help them stand out — such as offering loans with low minimum credit scores or digital closing options.</p><h2>Compare the Top Mortgage Refinance Lenders</h2><p>These are the best mortgage refinance lenders as chosen by Business Insider editors in 2024.</p><h3 data-toc-label="Best Overall" id="best-overall" class="toc-anchor">Best Overall: <strong>Rocket Mortgage</strong></h3> <div id="rocket-mortgage-refinance-by-quicken-loans" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best overall </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Rocket Mortgage Refinance by Quicken Loans</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/r244f799217c" rel="nofollow noindex" data-analytics-product-id="5f7c9b99e155cf25af590604" data-analytics-product-brand="Quicken" data-analytics-product-name="Rocket Mortgage Refinance by Quicken Loans" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Quicken's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/r244f799217c" rel="nofollow noindex" data-analytics-product-id="5f7c9b99e155cf25af590604" data-analytics-product-brand="Quicken" data-analytics-product-name="Rocket Mortgage Refinance by Quicken Loans" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" 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/5f7c9b6b94fce90018f7b604?width=400" alt="Quicken Rocket Mortgage Refinance by Quicken Loans"> <noscript> <img src="https://i.insider.com/5f7c9b6b94fce90018f7b604?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f7c9b99e155cf25af590604-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5672579858962521"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5672579858962521)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4799241025857923"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4799241025857923)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.06250226307713214"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.06250226307713214)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.08504313188538637"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.08504313188538637)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7683583206788029"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7683583206788029)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers affordable mortgage programs, including lender credits up to $7,500 and a 1% down conventional loan.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conventional, cash-out, FHA, VA refinancing</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="5f7c9b99e155cf25af590604" data-analytics-product-brand="Quicken" data-analytics-product-name="Rocket Mortgage Refinance by Quicken Loans" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Refinance into several types of mortgages</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Top lender for customer satisfaction from J.D. Power for 11 straight years, and No. 2 in 2021</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Fast, easy online experience</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Can't refinance into a USDA mortgage</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Doesn't accept alternative credit data</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Rocket Mortgage, formerly known as Quicken Loans, is a strong lender in general and our "best overall" pick for the best mortgage refinance lenders. It's a great option if you're comfortable applying online and have a good credit score.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/rocket-mortgage-review" data-analytics-product-id="5f7c9b99e155cf25af590604" data-analytics-product-brand="Quicken" data-analytics-product-name="Rocket Mortgage Refinance by Quicken Loans" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Rocket Mortgage <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Available in all 50 US states and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Doesn't accept alternative data, like proof of paying bills on time, in addition to a credit score</li> <li class="financial-product-card__product-details__list-item">Minimum credit score displayed is for conforming mortgages</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f7c9b99e155cf25af590604" data-analytics-product-brand="Quicken" data-analytics-product-name="Rocket Mortgage Refinance by Quicken Loans" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p style="text-align: left;">Rocket Mortgage is our top choice thanks to its easy-to-use online application and its strong track record in providing great customer service. It's ranked as the No. 2 lender for customer satisfaction in <a href="https://www.jdpower.com/business/press-releases/2023-us-mortgage-origination-satisfaction-study" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">J.D. Power's 2023 Mortgage Origination Satisfaction Study</a>. Refinancers will like the lender's "YOURgage" loans, which let you choose any term length between eight and 29 years. </p><p style="text-align: left;"><strong>What to look out for: </strong>Its loan options are relatively limited, and it doesn't have any in-person branches. Rocket's rates and fees are around average compared to other lenders, according to <a href="https://ffiec.cfpb.gov/data-browser/" data-analytics-product-module="body_link" rel="">Home Mortgage Disclosure Act data</a>.</p><p style="text-align: left;"><em><a href="https://www.businessinsider.com/personal-finance/mortgages/rocket-mortgage-review" data-analytics-product-module="body_link" rel="">Rocket Mortgage Review</a></em></p><h3 style="text-align: left;" data-toc-label="Best for Low Costs" id="best-for-low-costs" class="toc-anchor">Best for Low Costs: Third Federal Savings and Loan</h3> <div id="third-federal-savings-and-loan-mortgage" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for low costs </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Third Federal Savings and Loan Mortgage</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/b59131eb3709" rel="nofollow noindex" data-analytics-product-id="6477b63c3ea6d70011415582" data-analytics-product-brand="Third Federal Savings and Loan" data-analytics-product-name="Third Federal Savings and Loan Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Third Federal Savings and Loan's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/b59131eb3709" rel="nofollow noindex" data-analytics-product-id="6477b63c3ea6d70011415582" data-analytics-product-brand="Third Federal Savings and Loan" data-analytics-product-name="Third Federal Savings and Loan Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" 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/5f5a86017ed0ee001e25ea2a?width=400" alt="Third Federal Savings and Loan Third Federal Savings and Loan Mortgage"> <noscript> <img src="https://i.insider.com/5f5a86017ed0ee001e25ea2a?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="6477b63c3ea6d70011415582-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7647539464246749"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7647539464246749)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.872516375109538"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.872516375109538)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5865278890076906"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5865278890076906)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3592897739759173"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3592897739759173)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.881948968446221"> <stop stop-color="#faa809" offset="27%"></stop> <stop stop-color="white" offset="27%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.881948968446221)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.27<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers a Low Cost Mortgage option where you pay only $395 in closing costs (in exchange for a higher rate)</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Down Payment </strong> </div> <p class="financial-product-card__specs__text headline-regular">3%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conforming, Smart Rate Adjustable Mortgage, jumbo, bridge loan, HELOC, home equity loan</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="6477b63c3ea6d70011415582" data-analytics-product-brand="Third Federal Savings and Loan" data-analytics-product-name="Third Federal Savings and Loan Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low Cost Mortgages come with only $395 in closing costs</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Down payment assistance available</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Services all of its loans</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low average rates</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only available in 22 states and Washington, DC</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Only has physical branches in Ohio and Florida</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No government-backed mortgages</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Third Federal Savings and Loan is a really unique mortgage lender that offers an impressive number of perks compared to other lenders we've reviewed.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/third-federal-savings-and-loan-mortgage-review" data-analytics-product-id="6477b63c3ea6d70011415582" data-analytics-product-brand="Third Federal Savings and Loan" data-analytics-product-name="Third Federal Savings and Loan Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Third Federal Savings and Loan <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Available in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Third Federal Savings and Loan doesn’t set a minimum credit score for its mortgages. In general, borrowers should aim to have a score of at least 620 to be considered for a conventional mortgage.</li> <li class="financial-product-card__product-details__list-item">Minimum down payment displayed is for conforming mortgages</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="6477b63c3ea6d70011415582" data-analytics-product-brand="Third Federal Savings and Loan" data-analytics-product-name="Third Federal Savings and Loan Mortgage" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>Third Federal Savings and Loan is an extremely affordable mortgage lender if you're looking for a low rate or low fees. Based on our review of HMDA data, Third Federal's average mortgage rates are significantly lower than many other lenders we've reviewed. </p><p>This lender also offers a product called a Low Cost Mortgage, which comes with only $395 in closing costs. If you don't want to pay a lot of cash out of pocket to refinance, this could be a good option for you. However, you'll have a slightly higher rate to compensate for the costs the lender covers. </p><p><strong>What to look out for: </strong>Third Federal mortgages are only available in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, and Washington, D.C. </p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/third-federal-savings-and-loan-mortgage-review" data-analytics-product-module="body_link" rel="">Third Federal Mortgage Review</a></em></p><h3 data-toc-label="Best for Veterans" id="best-for-veterans" class="toc-anchor">Best for Veterans: <strong>Pentagon Federal Credit Union</strong></h3> <div id="pentagon-federal-credit-union-mortgage" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for Veterans </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Pentagon Federal Credit Union Mortgage</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/x81013d4ea88" rel="nofollow noindex" data-analytics-product-id="622a8929ae151a001a2c719f" data-analytics-product-brand="PenFed Credit Union" data-analytics-product-name="Pentagon Federal Credit Union Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get started </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On PenFed Credit Union's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/x81013d4ea88" rel="nofollow noindex" data-analytics-product-id="622a8929ae151a001a2c719f" data-analytics-product-brand="PenFed Credit Union" data-analytics-product-name="Pentagon Federal Credit Union Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" 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/603d4ab287d37600190d079b?width=400" alt="PenFed Credit Union Pentagon Federal Credit Union Mortgage"> <noscript> <img src="https://i.insider.com/603d4ab287d37600190d079b?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="622a8929ae151a001a2c719f-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.16915828801696242"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.16915828801696242)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.850981959758514"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.850981959758514)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7195357431901848"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7195357431901848)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8303683649169145"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8303683649169145)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.34075847063604603"> <stop stop-color="#faa809" offset="20%"></stop> <stop stop-color="white" offset="20%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.34075847063604603)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.2<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">650</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Down Payment </strong> </div> <p class="financial-product-card__specs__text headline-regular">3%</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conforming, jumbo, FHA, VA, HELOC</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="622a8929ae151a001a2c719f" data-analytics-product-brand="PenFed Credit Union" data-analytics-product-name="Pentagon Federal Credit Union Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Average rates and fees are relatively low</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers fully underwritten preapproval</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Offers a 60-day rate lock</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No USDA, new construction, or reverse home loans</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Requires 620 credit score to get an FHA loan</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Need to be a member to get a home loan</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/pentagon-federal-credit-union-mortgage-review" data-analytics-product-id="622a8929ae151a001a2c719f" data-analytics-product-brand="PenFed Credit Union" data-analytics-product-name="Pentagon Federal Credit Union Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Pentagon Federal Credit Union Mortgage <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers mortgages in all 50 US states, Washington, DC, Puerto Rico, Guam, and Okinawa</li> <li class="financial-product-card__product-details__list-item">To become a member, open a PenFed savings account with a $5 minimum deposit</li> <li class="financial-product-card__product-details__list-item">Does not accept non-traditional credit data, such as utility bills, if you have a low/no credit score</li> <li class="financial-product-card__product-details__list-item">Minimum credit score and down payment listed are for conforming mortgages. VA borrowers can have scores of 620</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="622a8929ae151a001a2c719f" data-analytics-product-brand="PenFed Credit Union" data-analytics-product-name="Pentagon Federal Credit Union Mortgage" data-analytics-product-index="3" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>A lot of lenders offer VA loans, including many of the lenders on this list. But for refinancing, we like PenFed, which has low average fees, according to HMDA data. Plus, if you're getting a VA <a href="https://www.businessinsider.com/personal-finance/mortgages/streamline-refinance" data-analytics-product-module="body_link" rel="">streamline refinance</a> (also known as an interest rate reduction refinance loan), PenFed will cover your closing costs (including the VA funding fee).</p><p><strong>What to look out for: </strong>You'll need to become a member to get a mortgage with PenFed. Fortunately, becoming a member is fairly easy. You'll just need to fill out a form and open a savings account with a $5 minimum deposit.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/pentagon-federal-credit-union-mortgage-review" data-analytics-product-module="body_link" rel="">PenFed Mortgage Review</a></em></p><h3 data-toc-label="Best for Digital Closing" id="best-for-digital-closing" class="toc-anchor">Best for Digital Closing: <strong>Fairway Independent Mortgage Corporation</strong></h3> <div id="fairway-independent-mortgage---mortgage-refinance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for digital closing </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Fairway Independent Mortgage - Mortgage Refinance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/a093b9bc3a8b" rel="nofollow noindex" data-analytics-product-id="621ff08ef7985a001ab8216c" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage - Mortgage Refinance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Fairway Independent Mortgage Corporation's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/a093b9bc3a8b" rel="nofollow noindex" data-analytics-product-id="621ff08ef7985a001ab8216c" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage - Mortgage Refinance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" 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/621fee7bd72a25001973d04f?width=400" alt="Fairway Independent Mortgage Corporation Fairway Independent Mortgage - Mortgage Refinance"> <noscript> <img src="https://i.insider.com/621fee7bd72a25001973d04f?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="621ff08ef7985a001ab8216c-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.21533581080536868"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.21533581080536868)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9686781875220034"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9686781875220034)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4361729246776582"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4361729246776582)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.036958046788792664"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.036958046788792664)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5177136521520027"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5177136521520027)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers hybrid closing where you can sign most of your documents digitally, and have a quicker in-person closing appointment</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conventional, cash-out, FHA, VA refinancing</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="621ff08ef7985a001ab8216c" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage - Mortgage Refinance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Refinance into a variety of mortgage types</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Accepts alternative forms of credit</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Easy-to-navigate website</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Option to close on the new mortgage online instead of in person</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>You can't refinance into a USDA loan</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Rates aren't posted online</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Fairway Independent Mortgage is one of Personal Finance Insider's best online mortgage lenders. It's an overall affordable lender with a variety of mortgage options for borrowers to choose from.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/fairway-independent-mortgage-corporation-review" data-analytics-product-id="621ff08ef7985a001ab8216c" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage - Mortgage Refinance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Fairway Independent Mortgage Corporation <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers mortgages in all 50 US states and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Branches in every US state except Alaska and West Virginia</li> <li class="financial-product-card__product-details__list-item">Apply with alternative credit data (such as proof that you pay bills on time) if you have no credit score</li> <li class="financial-product-card__product-details__list-item">Minimum credit score displayed is for conventional refinances</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="621ff08ef7985a001ab8216c" data-analytics-product-brand="Fairway Independent Mortgage Corporation" data-analytics-product-name="Fairway Independent Mortgage - Mortgage Refinance" data-analytics-product-index="4" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>Fairway Independent Mortgage Corporation is a good refinance lender overall, and offers hybrid and remote closing options for a more streamlined closing experience. It also earned the top spot in customer satisfaction in J.D. Power's 2023 origination study.</p><p>Fairway Independent lets borrowers have a hybrid or fully remote closing. With a hybrid closing, you can sign most of your documents digitally, and have a quicker in-person closing appointment. In some states, the entire process can be completed digitally.</p><p><strong>What to look out for: </strong>Our review of the latest HMDA data found that Fairway's rates and fees are around average compared to other lenders.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/fairway-independent-mortgage-corporation-review" data-analytics-product-module="body_link" rel="">Fairway Independent Mortgage Corporation Review</a></em></p><h3 data-toc-label="Best for Existing Customers" id="best-for-existing-customers" class="toc-anchor">Best for Existing Customers: <strong>U.S. Bank</strong></h3> <div id="u.s.-bank-mortgage-refinance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for existing customers </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">U.S. Bank Mortgage Refinance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="621ff7b3f7985a001ab8218d" data-analytics-product-brand="Bankrate" data-analytics-product-name="U.S. Bank Mortgage Refinance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Bankrate's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://www.myfinance.com/reporting/32341908/?sub_id=PubSubIDHere&utm_campaign=bizin-mtg-blf-link" rel="nofollow noindex" data-analytics-product-id="621ff7b3f7985a001ab8218d" data-analytics-product-brand="Bankrate" data-analytics-product-name="U.S. Bank Mortgage Refinance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" 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/61a1537f1ca528001811734d?width=400" alt="Bankrate U.S. Bank Mortgage Refinance"> <noscript> <img src="https://i.insider.com/61a1537f1ca528001811734d?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="621ff7b3f7985a001ab8218d-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2668336376983096"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2668336376983096)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5810792837403975"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5810792837403975)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.008179405047108679"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.008179405047108679)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.053171587768668704"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.053171587768668704)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.32400672019629373"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.32400672019629373)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">If you already have a mortgage or account with US Bank, you may be able to get up to $1,000 off your closing costs if you refinance through this lender.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conventional, cash-out, FHA, VA refinancing</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="621ff7b3f7985a001ab8218d" data-analytics-product-brand="Bankrate" data-analytics-product-name="U.S. Bank Mortgage Refinance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Refinances a variety of mortgage types</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Current customers receive up to $1,000 toward closing costs</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>You can't refinance into a USDA mortgage</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Doesn't accept alternative forms of credit</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">US Bank is a good choice for those who already have mortgages or accounts with this bank. Its existing customer discount on its mortgages is better than similar offers from other lenders.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/us-bank-mortgage-review" data-analytics-product-id="621ff7b3f7985a001ab8218d" data-analytics-product-brand="Bankrate" data-analytics-product-name="U.S. Bank Mortgage Refinance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> U.S. Bank Mortgage <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers home loans in all 50 US states and Washington, DC</li> <li class="financial-product-card__product-details__list-item">Has branches in 26 US states</li> <li class="financial-product-card__product-details__list-item">Does not accept alternative credit sources in lieu of a credit score</li> <li class="financial-product-card__product-details__list-item">Minimum credit score displayed is for conventional refinancing</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="621ff7b3f7985a001ab8218d" data-analytics-product-brand="Bankrate" data-analytics-product-name="U.S. Bank Mortgage Refinance" data-analytics-product-index="5" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>U.S. Bank is a good choice for those who already have mortgages or accounts with this bank. Its existing customer discount on its mortgages is better than similar offers from other lenders.</p><p>U.S. Bank's average fees are on the low end, according to HMDA data.</p><p>If you already have a mortgage or account with U.S. Bank, you may be able to get up to $1,000 off your closing costs if you refinance through this lender.</p><p><strong>What to look out for: </strong>U.S. Bank ranked average in J.D. Power's 2023 satisfaction study.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/us-bank-mortgage-review" data-analytics-product-module="body_link" rel="">U.S. Bank Mortgage Review</a></em></p><h3 data-toc-label="Best for Low Credit Scores " id="best-for-low-credit-scores-" class="toc-anchor">Best for Low Credit Scores: <strong>Carrington Mortgage Services</strong></h3> <div id="carrington-mortgage-services-refinance" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="product-label-container"> <div class="product-label__container"> <span class="product-label headline-regular "> Best for low credit scores </span> </div> </div> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Carrington Mortgage Services Refinance</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://secure.money.com/pr/pb453499d5ba" rel="nofollow noindex" data-analytics-product-id="621ff9d6f7985a001ab82194" data-analytics-product-brand="Carrington Mortgage Services" data-analytics-product-name="Carrington Mortgage Services Refinance" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Compare rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">On Carrington Mortgage Services's website</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://secure.money.com/pr/pb453499d5ba" rel="nofollow noindex" data-analytics-product-id="621ff9d6f7985a001ab82194" data-analytics-product-brand="Carrington Mortgage Services" data-analytics-product-name="Carrington Mortgage Services Refinance" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" 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/621ff8bdd72a25001973d362?width=400" alt="Carrington Mortgage Services Carrington Mortgage Services Refinance"> <noscript> <img src="https://i.insider.com/621ff8bdd72a25001973d362?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="621ff9d6f7985a001ab82194-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.30694676282747957"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.30694676282747957)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.5290352828030758"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.5290352828030758)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4485795177401195"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4485795177401195)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.557627854621447"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.557627854621447)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4282278501023067"> <stop stop-color="#faa809" offset="50%"></stop> <stop stop-color="white" offset="50%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4282278501023067)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.5<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Offers several mortgages that have flexible credit guidelines, including its Carrington Flexible Advantage Refinance mortgage, which allows credit scores as low as 550 and recent negative credit events like bankruptcy.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">620</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Types of Loans Offered </strong> </div> <p class="financial-product-card__specs__text headline-regular">Conventional, cash-out, FHA, VA, USDA, Carrington Flexible Advantage</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4" data-analytics-product-id="621ff9d6f7985a001ab82194" data-analytics-product-brand="Carrington Mortgage Services" data-analytics-product-name="Carrington Mortgage Services Refinance" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Variety of refinance options, including the Carrington Flexible Advantage Refinance</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Has flexible credit guidelines on some of its mortgages</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Has mortgages that allow scores as low as 500</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 2"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Can't see customized rates online</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Carrington is an affordable option for those with rocky credit histories and credit scores as low as 500.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/carrington-mortgage-services-review" data-analytics-product-id="621ff9d6f7985a001ab82194" data-analytics-product-brand="Carrington Mortgage Services" data-analytics-product-name="Carrington Mortgage Services Refinance" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Carrington Mortgage Services <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Offers mortgages in all US states except Massachusetts and North Dakota</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="621ff9d6f7985a001ab82194" data-analytics-product-brand="Carrington Mortgage Services" data-analytics-product-name="Carrington Mortgage Services Refinance" data-analytics-product-index="6" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>Carrington Mortgage Services is an affordable option for those with rocky credit histories and credit scores as low as 500.</p><p>Carrington offers several mortgages that have flexible credit guidelines, including its Carrington Flexible Advantage Refinance mortgage, which allows credit scores as low as 550 and recent negative credit events like bankruptcy.</p><p><strong>What to look out for: </strong>Carrington doesn't lend in Massachusetts or North Dakota. According to HMDA data, this lender's rates and fees are higher than average.</p><p>Carrington has an <a href="https://www.bbb.org/us/ca/anaheim/profile/mortgage-broker/carrington-mortgage-services-llc-1126-100054375" data-analytics-product-module="body_link" rel=" nofollow">NR, or "no rating" from the BBB</a> because the lender is responding to previously closed complaints. Additionally, in November 2022, the Consumer Financial Protection Bureau ordered Carrington to pay $5.25 million in fines for supposedly violating borrowers' <a href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-carrington-mortgage-cheating-homeowners-cares-act-rights/" target="_blank" rel="noopener" data-analytics-product-module="body_link">CARES Act rights</a>. The CFPB claims that the lender misled borrowers seeking CARES Act forbearance and denied them key protections provided by the pandemic-era law.</p><p><em><a href="https://www.businessinsider.com/personal-finance/mortgages/carrington-mortgage-services-review" data-analytics-product-module="body_link" rel="">Carrington Mortgage Services Review</a></em></p><h2 data-toc-label="Why There's No Single 'Best' Refinance Company" id="why-there's-no-single-'best'-refinance-company" class="toc-anchor">Why There's No Single 'Best' Refinance Company</h2><p>The lenders on this list are affordable and have offerings that should meet most borrowers' needs, but ultimately it comes down to what rate you're offered and whether a given lender suits your needs. </p><h3>Your Goals Matter</h3><p>There are a few different <a href="https://www.businessinsider.com/personal-finance/mortgages/when-to-refinance-mortgage" data-analytics-product-module="body_link" rel="">reasons to refinance</a> your mortgage. Think about what you want to achieve with your refinance, and look for lenders that can meet those needs.</p><p>Are you looking to do a <a href="https://www.businessinsider.com/personal-finance/mortgages/cash-out-refinance" data-analytics-product-module="body_link" rel="">cash-out refinance</a>? Do you want to change the type of mortgage you have? Is getting the lowest rate possible more important than having a good customer service experience? Make sure the lenders you're considering offer the type of refinance and level of service you want. </p><h3>Refinance Rates Vary By Lender and Borrower</h3><p><a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-interest-rate" data-analytics-product-module="body_link" rel="">Mortgage rates</a> can vary a lot between lenders, and your own financial situation will have a big impact on the range of rates available to you. You might be able to get a low rate with a specific lender, while another borrower can get a better rate elsewhere.</p><p>The best way to know what rate you'll get with a lender is to apply for a mortgage. Experts typically recommend applying with at least three different lenders to be able to compare rates accurately. </p><h3>Fees Impact Total Cost</h3><p>Though borrowers often start the refinancing process with the goal of getting the lowest rate possible, it's important to consider your overall costs. Some lenders offer low rates but charge a lot in fees or add discount points to lower the rate (which you'll pay for at closing). </p><h2 data-toc-label="Questions to Ask Yourself" id="questions-to-ask-yourself" class="toc-anchor">Key Questions to Ask Yourself Before You Start Shopping</h2><h3>Why Am I Refinancing?</h3><p>Refinancing can enable you to tap into your home's equity, lower your rate, get rid of mortgage insurance, extend or shorten your term, or change the type of mortgage you have.</p><h3>How's My Credit?</h3><p>You'll need to meet the lender's credit requirements to qualify for a mortgage refinance, and having a great <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> can help you snag a better rate.</p><p>The exception to this is if you're getting a streamline refinance, which is available on <a href="https://www.businessinsider.com/personal-finance/mortgages/government-home-loans" data-analytics-product-module="body_link" rel="">government-backed mortgages</a>. Some streamline transactions don't require the borrower to show a credit score. </p><h3>Is Refinancing Worth It Right Now?</h3><p>You'll need to do some math to figure out if it makes sense financially to refinance. Because refinancing isn't free, you'll want to weigh the costs against the benefits.</p><p>For example, if you're refinancing to lower your <a href="https://www.businessinsider.com/personal-finance/mortgages/average-mortgage-payment" data-analytics-product-module="body_link" rel="">mortgage payment</a>, calculate how long it will take you to recoup your closing costs. If you spent $2,000 to refinance and lowered your monthly payment by $200, it would take 10 months of payments to break even. </p><p>An online refinance calculator can help you figure out if refinancing is worth it. </p><h2 data-toc-label="How to Find the Best Refinance Company" id="how-to-find-the-best-refinance-company" class="toc-anchor">How to Find the Best Mortgage Refinance Company for You</h2><h3>Start With Where You Bank</h3><p>You don't have to get a mortgage with your current lender or bank, but you might find that it can offer you certain benefits or discounts as a returning customer. </p><h3>Big Banks</h3><p>Big banks are well-established financial institutions that offer many other services besides mortgage lending. Although they sometimes have a reputation for not offering as much personalized support as smaller lenders, many of the big bank lenders we've reviewed rank high in customer satisfaction.</p><h3>Online Lenders</h3><p>Nonbank mortgage lenders that operate mostly online are a popular choice with tech-savvy borrowers. These lenders may offer lower rates since they don't have the same operational costs as lenders with physical footprints, but this isn't always the case.</p><h3>Local Lenders</h3><p>Smaller, local lenders are often able to offer better customer service than lenders that are working with a large number of borrowers. But you should compare their rates with some larger lenders to make sure they're competitive. </p><h3>Mortgage Brokers</h3><p>A <a href="https://www.businessinsider.com/personal-finance/mortgages/mortgage-broker" data-analytics-product-module="body_link" rel="">mortgage broker</a> will do all the legwork of getting quotes from different mortgage lenders for you. If you want to be able to easily compare many different loan options, you might prefer working with a broker.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Best Mortgage Refinance Lenders 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 best company to use for a 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">The best company for refinancing depends on your needs and goals. If a good customer service experience is important to you, a lender like Rocket Mortgage might be a good pick. If you have a lower credit score, you might like Carrington Mortgage Services.</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 better to refinance with your current lender? </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 might prefer refinancing with your current lender if you like the customer service it offers and you value convenience. But shopping around and comparing rates for the type of loan you want (like a <a href="https://www.businessinsider.com/personal-finance/mortgages/30-year-refinance-rates" data-analytics-product-module="body_link" rel="">30-year mortgage refinance</a>) gives you a chance to see what types of deals are available to you.</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 do I find the best refinance rates? </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 find the best refinance rates by getting quotes from a few different lenders and comparing the rates they offer you. If the rates you're being offered are relatively high, you might need to work on your credit score to get a better rate. </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"> Which lenders offer the best mortgage refinance rates? </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">There's no single lender that offers the best mortgage rates, since rates change every day and your rate will be based on your individual financial profile. Keep an eye on current <a href="https://www.businessinsider.com/personal-finance/mortgages/current-mortgage-refinance-rates" data-analytics-product-module="body_link" rel="">mortgage refinance rates</a> to see where rates are at right now, and compare that to the rates you're offered as you shop around for a lender.</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 better to refinance your mortgage with a bank or online lender? </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">Choosing a bank or online lender for your refinance depends on your needs and goals. If you prefer a quick application process that you can complete from the comfort of your home, you might like an online lender. But working with a bank that has physical branches can have benefits too, particularly if you want to sit down face-to-face to discuss your options.</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 do lenders look at for a 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">Lenders typically look for at least a 620 credit score to refinance into a conventional loan, and a 580 score to refinance into an FHA loan. You'll also likely need a certain amount of equity in your home — possibly as little as 5%, or as much as 20%.</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 do I choose a refinance lender? </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">To choose the right refinance lender for you, consider the type of loan you want and what features are important to you (such as an online application or great customer service), then narrow down your search to a handful of lenders so you can get approved with each of them to see who can offer you the best deal in terms of both rate and fees. </p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: Experts' Advice on Choosing a Mortgage Refinance Lender</h2><figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 765 / 1956)"> <meta itemprop="contentUrl" content="https://i.insider.com/643432043007470019fe4f18"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/643432043007470019fe4f18":{"contentType":"image/png","aspectRatioW":1956,"aspectRatioH":765}}" alt="Mortgage expert panel"> </div> <span class="image-source-only "> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Insider </span> </span> </figure><p>To help you learn more about refinancing and lenders, four experts weighed in:</p><ul><li><strong>Anthony Park</strong>, author of <a href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-71272-20&h=7acf6c16b20b5945df70c15163f8e1ad0fa5ceeca46ade67f263ac1104a05f9a&platform=browser&postID=669be2ffc79d31931d7eb4a8&postSlug=personal-finance%2Fmortgages%2Fbest-mortgage-refinance-lenders&site=bi&u=https%3A%2F%2Fwww.amazon.com%2FHow-Your-Perfect-First-Home-ebook%2Fdp%2FB07KXVCHV2" target="_blank" rel="noopener nofollow noindex" data-am-orig-url="https://affiliate.insider.com/?h=7acf6c16b20b5945df70c15163f8e1ad0fa5ceeca46ade67f263ac1104a05f9a&u=https%3A%2F%2Fwww.amazon.com%2FHow-Your-Perfect-First-Home-ebook%2Fdp%2FB07KXVCHV2">"How to Buy Your Perfect First Home"</a></li><li><strong>Lauryn Williams</strong>, certified financial planner, founder of <a href="https://www.worth-winning.com/" target="_blank" rel="noopener nofollow">Worth Winning Financial Planning</a></li><li><strong>Julie Aragon</strong>, mortgage broker, founder of <a href="https://aragonlending.com/" target="_blank" rel="noopener nofollow">Aragon Lending Team</a></li><li><strong>Molly Grace</strong>, mortgage reporter at <a href="https://www.businessinsider.com/personal-finance" rel="">Business Insider</a></li></ul><p>We consulted mortgage and financial experts to inform these picks and provide their insights about mortgage refinance lenders. Here's what they had to say about mortgage refinancing. (Some text may be lightly edited for clarity.)</p><p><strong>How can someone know whether it's a good time to refinance?</strong></p><p><strong>Julie Aragon, Aragon Lending Team:</strong></p><p>"The monthly savings and the cost for the refinance. When you have those two things, you can determine the break-even point. Also, how long they intend to stay in the house. If they know they're going to sell next year, it probably doesn't make sense to refinance."</p><p><strong>Lauryn Williams, CFP:</strong></p><p>"A lot of times people don't realize refinancing comes with some additional costs. There's those closing costs, title costs, et cetera, that are tied into the overall fees. Simply getting a lower interest rate doesn't mean that you're saving money, is the biggest factor that a lot of people are not aware of."</p><p><strong>What factors should someone take into consideration when choosing a mortgage refinance lender?</strong></p><p><strong>Anthony Park, author:</strong></p><p>"I feel like with a refinance, you're going based on numbers a lot more than on your original mortgage. Probably because the mortgage feels like more of a weighty transaction, whereas with refinancing, you're kind of an old hand at it at this point. I think the numbers matter a lot more for a refinance."</p><p><strong>Molly Grace, Business Insider</strong></p><p>"You don't have the same time crunch during a refinance that you do when you're purchasing, so take your time to really evaluate the offers you're shown and don't rush into anything. Lenders are pros at making refinancing sound really attractive — even if it's not necessarily the best long-term financial move for you. Remember that their job is to sell you something, and your job is to make sure you're making the best decisions for your finances."</p><p><strong>When is it a good idea to get a cash-out refinance?</strong></p><p><strong>Julie Aragon, Aragon Lending Team:</strong></p><p>"Investing the money into the home I think is always a good idea, as long as the math makes sense. Also paying off high-interest credit card debt. We have some clients, when we look at all of their debts, some are at 19% or 20%. By paying off all this crap, they'll save $1,500 or $2,000 a month."</p><p><strong>Lauryn Williams, CFP:</strong></p><p>"I think it's a tough situation, because sometimes with cash-out refi is, you're thinking of things like credit card debt. This is the biggest one I hear from clients: I can get rid of this 23% interest that I have on my credit card debt, and I can put it in my 2% mortgage. Well, you just took something that was not tied to any collateral. They can't take your home away if you don't pay your credit card debt. So something that previously couldn't result in my home being in a way now can add to the stress of my home being taken away should I not be able to pay my mortgage."</p><p><strong>Methodology: How Did We Choose the Best Mortgage Refinance Lenders?</strong></p><p>To choose the top mortgage refinance lenders of November 2024, we looked at four main factors:</p><ul><li><strong>Customer satisfaction.</strong> Lenders that prioritize customer satisfaction can help ensure you have a smooth refinancing experience. If the mortgage lender appeared in the <a href="https://www.jdpower.com/business/press-releases/2023-us-mortgage-origination-satisfaction-study" target="_blank" rel="noopener nofollow">J.D. Power 2023 Mortgage Origination Satisfaction Study</a>, we looked at its ranking. We also looked at online customer reviews to get a sense of the typical borrower experience with each lender.</li><li><strong>Ethics. </strong>Almost all of our top picks received an A+ from the <a href="https://www.bbb.org/" target="_blank" rel="noopener nofollow">Better Business Bureau</a>, which measures companies' trustworthiness. We also researched and considered any scandals in the past three years.</li><li><strong>Loan types.</strong> Does a lender offer several types of loan refinances to suit customers' needs, including <a href="https://www.businessinsider.com/personal-finance/mortgages/conventional-mortgage" rel="">conventional loans</a>, <a href="https://www.businessinsider.com/personal-finance/mortgages/government-home-loans" rel="">government-backed loans</a>, and cash-out refinances?</li><li><strong>Affordability.</strong> Homeowners are typically looking to save money with a refinance, so we evaluated average rates and fees for each lender. We also checked whether the lenders offer <a href="https://www.businessinsider.com/personal-finance/mortgages/streamline-refinance" rel="">streamline refinances</a> for borrowers refinancing from a government-backed mortgage into the same type of mortgage, which can be more affordable for borrowers with less-than-perfect financial profiles. Finally, we looked at credit requirements and whether they have any flexible credit guidelines. This could include allowing borrowers to have recent negative events on their credit reports, or accepting non-traditional credit, like utility bills and rent payments, in lieu of a traditional credit score.</li></ul><p><a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" data-analytics-product-module="body_link" rel="">See our full ratings methodology for mortgage lenders »</a></p><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 5.00% 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 5.00% APY when you deposit at least $250 per month, earn 4.00% 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> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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