Best Mortgage Refinance Lenders In 2024

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Alternatively, you can press the end key to jump to the search toggle, and the escape key to close the menu.'"> <li x-cloak class="SiteNavCategory" id="category-1" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/banking/" data-js-selector="siteNavCategorylink1" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 1, 7);" @keydown.right.prevent="keydownCategory('right', 1, 7);" @keydown.left.prevent="keydownCategory('left', 1, 7);" @keydown.down.prevent="keydownCategory('down', 1, 7);" @keydown.up.prevent="keydownCategory('up', 1, 7);" @keydown.home.prevent="keydownCategory('home', 1, 7);" @keydown.end.prevent="keydownCategory('end', 1, 7);" @keydown.space.prevent="keydownCategory('space', 1, 7);" @keydown.enter.prevent="keydownCategory('enter', 1, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="1" data-text="Banking" data-outcome="send to banking hub"> <span class="SiteNavCategory-label"> Banking</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-banking" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="1" data-text="Banking" data-outcome="open default banking container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="banking-tablist" class="SiteNavSubcategory-categoryTitle"> Banking</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="banking-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Checking & savings" data-position="1"> Checking & savings<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="CDs" data-position="2"> CDs<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Money market" data-position="3"> Money market<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Banks" data-position="4"> Banks<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/banking/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Banking hub link - mobile nav" data-position="bottom" data-text="Explore all Banking resources" data-outcome="send to link"> Explore all banking resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Banking category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Banking</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best savings accounts" data-outcome="send to Best savings accounts"> Best savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/savings/best-high-yield-interests-savings-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best high-yield savings accounts" data-outcome="send to Best high-yield savings accounts"> Best high-yield savings accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-business-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best business checking accounts" data-outcome="send to Best business checking accounts"> Best business checking accounts</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/checking/best-checking-accounts/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best checking accounts" data-outcome="send to Best checking accounts"> Best checking accounts</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/simple-savings-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="1" data-text="Savings calculator" data-outcome="send to link"> Savings calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/savings/calculators/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="2" data-text="All savings calculators" data-outcome="send to link"> All savings calculators</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/average-savings-interest-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="3" data-text="Savings rate trends" data-outcome="send to link"> Savings rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/savings/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory featured link" data-position="4" data-text="Savings resources" data-outcome="send to link"> Savings resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/how-to-open-a-savings-account/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="1" data-text="Savings basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/6efbd0a01f/savings-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Savings basics</span> <span class="SiteNavFeaturedLink-supportText">5 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/savings/start-saving-from-scratch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - Checking & savings subcategory link" data-position="2" data-text="How to start saving" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to start saving</span> <span class="SiteNavFeaturedLink-supportText">4 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare accounts</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="1" data-text="Best CD rates" data-outcome="send to Best CD rates"> Best CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-6-month-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="2" data-text="Best 6-month CD rates" data-outcome="send to Best 6-month CD rates"> Best 6-month CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-1-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="3" data-text="Best 1-year CD rates" data-outcome="send to Best 1-year CD rates"> Best 1-year CD rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/banking/cds/best-5-year-cd-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Banking anchor link" data-position="4" data-text="Best 5-year CD rates" data-outcome="send to Best 5-year CD rates"> Best 5-year CD rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="1" data-text="CD calculator" data-outcome="send to link"> CD calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/cd-ladder-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="2" data-text="CD ladder calculator" data-outcome="send to link"> CD ladder calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/todays-cd-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="3" data-text="CD rate trends" data-outcome="send to link"> CD rate trends</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/cds/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - CDs subcategory featured link" data-position="4" data-text="CD resources" data-outcome="send to link"> CD resources</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/what-is-a-cd/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="1" data-text="CD basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/a7b9c5207a/cd-basics.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CD basics</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/banking/cds/how-to-invest-in-cds/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Banking nav - CDs subcategory link" data-position="2" data-text="How to invest with CDs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4b0ced533f/how-to-invest-with-cds.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to invest with CDs</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Money market accounts</p> <p class="SiteNavTopicOverview-copy">Money market accounts are similar to savings accounts, but offer some checking features as well.</p> <a href="/banking/money-market/rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - Money market subcategory CTA" data-position="1" data-text="View MMA rates" data-outcome="send to link" data-category="Banking"> View MMA rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/what-is-a-money-market-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="1" data-text="Money market basics" data-outcome="send to link"> Money market basics</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/money-market-account-vs-savings-account/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="2" data-text="Money market vs savings accounts" data-outcome="send to link"> Money market vs savings accounts</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/how-does-a-money-market-account-work/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="3" data-text="How does an MMA work?" data-outcome="send to link"> How does an MMA work?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/banking/mma/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Banking nav - Money market subcategory featured link" data-position="4" data-text="MMA resources" data-outcome="send to link"> MMA resources</a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Banking</p> <p class="SiteNavTopicOverview-copy">Unlock financial rewards by signing up for a savings or checking account with a bonus offer.</p> <a href="/banking/best-bank-account-bonuses/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Banking nav - 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mobile nav" data-position="bottom" data-text="Explore all Mortgages resources" data-outcome="send to link"> Explore all mortgages resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Mortgages category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Mortgages</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/mortgage-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="1" data-text="Mortgage rates" data-outcome="send to Mortgage rates"> Mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="2" data-text="30-year mortgage rates" data-outcome="send to 30-year mortgage rates"> 30-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-mortgage-rates/?disablePre=1" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="3" data-text="15-year mortgage rates" data-outcome="send to 15-year mortgage rates"> 15-year mortgage rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/va-loan-rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Homes anchor link" data-position="4" data-text="VA loan rates" data-outcome="send to VA loan rates"> VA loan rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/mortgage-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="1" data-text="Mortgage calculator" data-outcome="send to link"> Mortgage calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/amortization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="2" data-text="Amortization calculator" data-outcome="send to link"> Amortization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/todays-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="3" data-text="Mortgage rate news" data-outcome="send to link"> Mortgage rate news</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/best-lenders/best-mortgage-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="4" data-text="Best mortgage lenders" data-outcome="send to link"> Best mortgage lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/mortgages/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory featured link" data-position="5" data-text="Read lender reviews" data-outcome="send to link"> Read lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/mortgages/how-to-get-a-mortgage/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="1" data-text="How to get a mortgage" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4037e1299d/how-to-get-a-mortgage.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a mortgage</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/mortgages/first-time-homebuyer-loans-and-programs/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Mortgages nav - Purchase subcategory link" data-position="2" data-text="First-time homebuyer programs" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/8889d553d1/best-mortgage-lenders-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">First-time homebuyer programs</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare rates</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/refinance-rates/" class="SiteNavPrimaryLink" target=""> Refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/cash-out-refinance-rates/" class="SiteNavPrimaryLink" target=""> Cash-out refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/30-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 30-year refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/mortgages/15-year-refinance-rates/?disablePre=1" class="SiteNavPrimaryLink" target=""> 15-year refinance rates</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/mortgages/refinance-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Mortgages nav - 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@keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - mobile nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Credit cards category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Credit cards</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare cards</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/best-credit-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Best cards of 2024" data-outcome="send to Best cards of 2024"> Best cards of 2024</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/best-cash-back-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Best cash back cards" data-outcome="send to Best cash back cards"> Best cash back cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/best-balance-transfer-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Best balance transfer cards" data-outcome="send to Best balance transfer cards"> Best balance transfer cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/best-zero-interest-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Best 0% APR cards" data-outcome="send to Best 0% APR cards"> Best 0% APR cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/best-travel-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Best travel cards" data-outcome="send to Best travel cards"> Best travel cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/best-rewards-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Best rewards cards" data-outcome="send to Best rewards cards"> Best rewards cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/best-business-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Best business cards" data-outcome="send to Best business cards"> Best business cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/building-credit/best-student-cards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="8" data-text="Best student cards" data-outcome="send to Best student cards"> Best student cards</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Find my matches</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/cardmatch/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="1" data-text="CardMatch™" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4f02ac6944/cardmatch-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">CardMatch™</span> <span class="SiteNavFeaturedLink-supportText">Get personalized card recommendations</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/compare/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by category subcategory link" data-position="2" data-text="Card comparison tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/10ad7295ae/card-comparison-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Card comparison tool</span> <span class="SiteNavFeaturedLink-supportText">Compare credit cards side-by-side</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See your card matches</p> <p class="SiteNavTopicOverview-copy">Answer a few quick questions and we’ll show you your top credit card options. </p> <a href="/credit-cards/tools/cardmatch/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory CTA" data-position="1" data-text="Find my matches" data-outcome="send to link" data-category="Credit cards"> Find my matches</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Compare cards</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/rewards/best-for-excellent-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="1" data-text="Excellent credit" data-outcome="send to link"> Excellent credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-good-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="2" data-text="Good credit" data-outcome="send to link"> Good credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/best-for-fair-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="3" data-text="Fair credit" data-outcome="send to link"> Fair credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/best-for-bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory featured link" data-position="4" data-text="Bad credit" data-outcome="send to link"> Bad credit</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/bad-credit/how-to-build-credit-fast/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="1" data-text="How to build credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/2e8651b174/how-to-build-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to build credit</span> <span class="SiteNavFeaturedLink-supportText">7 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/building-credit/best-for-no-credit-history/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Cards by credit subcategory link" data-position="2" data-text="Best cards for building credit" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/5a53191033/best-cards-for-building-credit-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best cards for building credit</span> <span class="SiteNavFeaturedLink-supportText">Find out which credit cards could help</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">See what the experts say</p> <p class="SiteNavTopicOverview-copy">Read in-depth credit card reviews to find out which cards have the best perks and more. </p> <a href="/credit-cards/reviews/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory CTA" data-position="1" data-text="Read card reviews" data-outcome="send to link" data-category="Credit cards"> Read card reviews</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-payoff-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="1" data-text="Credit card payoff calculator" data-outcome="send to link"> Credit card payoff calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-card-balance-transfer-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="2" data-text="Balance transfer calculator" data-outcome="send to link"> Balance transfer calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/credit-utilization-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="3" data-text="Credit utilization calculator" data-outcome="send to link"> Credit utilization calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/tools/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory featured link" data-position="4" data-text="All credit card calculators" data-outcome="send to link"> All credit card calculators</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/credit-cards/tools/spender-type-tool/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Credit cards nav - Tools & reviews subcategory link" data-position="1" data-text="Spender type tool" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/43548bf9cd/spender-type-tool-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Spender type tool</span> <span class="SiteNavFeaturedLink-supportText">Find cards that fit your needs</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Get advice</p> <ul class="SiteNavPrimaryLinkList-list SiteNavPrimaryLinkList-list--twoColumns"> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/advice/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="1" data-text="Credit cards 101" data-outcome="send to Credit cards 101"> Credit cards 101</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/balance-transfer/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="2" data-text="Balance transfer advice" data-outcome="send to Balance transfer advice"> Balance transfer advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/zero-interest/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="3" data-text="Zero interest credit cards" data-outcome="send to Zero interest credit cards"> Zero interest credit cards</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/rewards/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="4" data-text="Rewards credit card advice" data-outcome="send to Rewards credit card advice"> Rewards credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/cash-back/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="5" data-text="Cash back credit card advice" data-outcome="send to Cash back credit card advice"> Cash back credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/travel/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="6" data-text="Travel credit card advice" data-outcome="send to Travel credit card advice"> Travel credit card advice</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/credit-cards/business/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Credit cards anchor link" data-position="7" data-text="Business credit card advice" data-outcome="send to Business credit card advice"> Business credit card advice</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Build credit</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/bad-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="1" data-text="Advice for bad credit" data-outcome="send to link"> Advice for bad credit</a> </li> <li> <a class="SiteNavSecondaryLink" href="/credit-cards/building-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Credit cards nav - Guides & resources subcategory featured link" data-position="2" data-text="Rebuilding credit score" data-outcome="send to link"> Rebuilding credit score</a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/credit-cards/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Credit cards hub link - desktop nav" data-position="bottom" data-text="Explore all Credit cards resources" data-outcome="send to link"> Explore all credit cards resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> </div> </div> </div> </li> <li x-cloak class="SiteNavCategory" id="category-5" @mouseenter="focusCategory($el)" @mouseleave="blurCategory" x-data> <a class="SiteNavCategory-link" href="/loans/" data-js-selector="siteNavCategorylink5" data-preamp="nav-category-item" @focus="focusCategory($el.parentElement)" @click="handleCategoryClick" @keydown.tab.prevent="keydownCategory('tab', 5, 7);" @keydown.right.prevent="keydownCategory('right', 5, 7);" @keydown.left.prevent="keydownCategory('left', 5, 7);" @keydown.down.prevent="keydownCategory('down', 5, 7);" @keydown.up.prevent="keydownCategory('up', 5, 7);" @keydown.home.prevent="keydownCategory('home', 5, 7);" @keydown.end.prevent="keydownCategory('end', 5, 7);" @keydown.space.prevent="keydownCategory('space', 5, 7);" @keydown.enter.prevent="keydownCategory('enter', 5, 7);" :tabindex="isMobile && !isNavOpen ? -1 : 0" data-beam-element-clicked data-type="link" data-location="site-nav" data-name="top-level" data-position="5" data-text="Loans" data-outcome="send to loans hub"> <span class="SiteNavCategory-label"> Loans</span> <svg class="SiteNavCategory-icon SiteNavCategory-arrow" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></a> <div x-ref="flyout" class="SiteNavCategory-flyout" id="siteNavCategory-flyout-loans" data-beam-element-viewed data-type="drawer" data-location="site-nav" data-name="top-level-hover" data-position="5" data-text="Loans" data-outcome="open default loans container"> <div class="SiteNavCategory-panel" x-ref="siteNavCategoryPanel"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateCategory" x-ref="backToCategoriesButton" @keydown.prevent="keyDownBackToCategoriesButton" aria-label="Back to all categories"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg>All </button> </div> <div class="SiteNavSubcategory" x-id="['subcategory']"> <div class="SiteNavSubcategory-tabsContainer"> <div id="loans-tablist" class="SiteNavSubcategory-categoryTitle"> Loans</div> <div class="SiteNavSubcategory-tabs" x-ref="siteNavTablist" @keydown.prevent="keydownSubcategoryTabs" role="tablist" aria-labelledby="loans-tablist"> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Personal loans" data-position="1"> Personal loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Auto loans" data-position="2"> Auto loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Student loans" data-position="3"> Student loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> <button class="SiteNavSubcategory-tab" :class="isActiveSubcategory($el.id) ? 'is-active' : ''" type="button" role="tab" @mouseover="handleSubcategoryMouseOver" @click="handleSubcategoryClick" @mousedown.prevent @focus="activateSubcategory($el.id)" :id="$id('subcategory', whichChild($el, $el.parentElement))" :tabindex="isActiveSubcategory($el.id) ? 0 : -1" :aria-selected="isActiveSubcategory($el.id)" data-subcategory-name="Small business loans" data-position="4"> Small business loans<svg class="Icon Icon--xs" aria-hidden="true" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Right Icon</title> <path d="M8.168 21a1.39 1.39 0 0 1-.938-.379c-.51-.51-.51-1.35 0-1.86l6.744-6.75L7.23 5.242c-.51-.51-.51-1.35 0-1.86a1.32 1.32 0 0 1 1.859 0l7.681 7.689c.51.51.51 1.35 0 1.86l-7.681 7.69A1.29 1.29 0 0 1 8.15 21h.017Z" class="icon-base"></path></svg></button> </div> <div class="SiteNavSubcategory-categoryLinkContainer" @keydown.left.prevent="keydownSubcategoryTabs" @keydown.up.prevent="keydownSubcategoryTabs" @keydown.right.prevent="keydownSubcategoryTabs" @keydown.down.prevent="keydownSubcategoryTabs" @keydown.tab.prevent="keydownSubcategoryTabs"> <a href="/loans/" class="SiteNavSubcategory-categoryLink" x-ref="siteNavCategoryLinkMobile" @keydown.space.prevent="$el.click()" @keydown.enter.prevent="$el.click()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Loans hub link - mobile nav" data-position="bottom" data-text="Explore all Loans resources" data-outcome="send to link"> Explore all loans resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Loans category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Loans</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="1" data-text="Best personal loans" data-outcome="send to Best personal loans"> Best personal loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="2" data-text="Best personal loans for bad credit" data-outcome="send to Best personal loans for bad credit"> Best personal loans for bad credit</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/personal-loans/debt-consolidation-loans/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="3" data-text="Best debt consolidation loans" data-outcome="send to Best debt consolidation loans"> Best debt consolidation loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/home-improvement/rates/" class="SiteNavPrimaryLink" target="" data-beam-element-clicked data-type="anchor link" data-location="site-nav" data-name="Personal loans anchor link" data-position="4" data-text="Best home improvement loans" data-outcome="send to Best home improvement loans"> Best home improvement loans</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="1" data-text="Personal loan resources" data-outcome="send to link"> Personal loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="2" data-text="Personal loan lender reviews" data-outcome="send to link"> Personal loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/personal-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="3" data-text="Personal loans calculator" data-outcome="send to link"> Personal loans calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/personal-loans/average-personal-loan-rates/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory featured link" data-position="4" data-text="Average personal loan interest rates" data-outcome="send to link"> Average personal loan interest rates</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/what-is-a-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="1" data-text="Personal loan basics" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/38750a2d5a/what-is-a-certified-financial-planner-s.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Personal loan basics</span> <span class="SiteNavFeaturedLink-supportText">9 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/loans/personal-loans/how-to-get-personal-loan/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Loans nav - Personal loans subcategory link" data-position="2" data-text="How to get a personal loan" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/4c26764452/how-to-start-saving.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to get a personal loan</span> <span class="SiteNavFeaturedLink-supportText">11 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavPrimaryLinkList"> <p class="SiteNavPrimaryLinkList-eyebrow">Compare lenders</p> <ul class="SiteNavPrimaryLinkList-list"> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/rates/" class="SiteNavPrimaryLink" target=""> Best auto loans</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/refinance-rates/" class="SiteNavPrimaryLink" target=""> Best auto loan refinance rates</a> </li> <li class="SiteNavPrimaryLinkList-item"> <a href="/loans/auto-loans/bad-credit-loans/" class="SiteNavPrimaryLink" target=""> Best car loans for bad credit</a> </li> </ul> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance</p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="1" data-text="Auto loan resources" data-outcome="send to link"> Auto loan resources</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="2" data-text="Auto loan lender reviews" data-outcome="send to link"> Auto loan lender reviews</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - Auto loans subcategory featured link" data-position="3" data-text="Auto loan calculator" data-outcome="send to link"> Auto loan calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/loans/auto-loans/auto-loan-refinancing-guide/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Loans nav - 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mobile nav" data-position="bottom" data-text="Explore all Home equity resources" data-outcome="send to link"> Explore all home equity resources <svg class="Icon Icon--sm text-blue" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Right Icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M12.29 18.69c.2.19.45.29.71.29V19c.25 0 .5-.09.7-.29l6.01-6c.18-.19.29-.44.29-.71 0-.27-.1-.52-.29-.71l-6.01-6a.996.996 0 1 0-1.41 1.41l4.3 4.3H4c-.55 0-1 .45-1 1s.45 1 1 1h12.58l-4.29 4.28a.996.996 0 0 0 0 1.41Z" class="icon-base"></path></svg></a> </div> </div> <div class="SiteNavSubcategory-content" :class="{'is-active': showSubcategoryView}" @keydown.up.prevent="keydownSubcategoryLinks($el.querySelector('.is-active'), $event)"> <div class="SiteNavSubcategory-panelsContainer" x-ref="siteNavSubcategoryPanelsContainer"> <div class="SiteNavMobile-sticky"> <button class="SiteNavMobile-back" @click="deactivateSubcategory" x-ref="backToSubcategoriesButton" @keydown.prevent="keyDownBackToSubcategoriesButton" aria-label="Back to Home equity category"> <svg class="Icon Icon--xs" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Left Icon</title> <path d="M15.85 21a1.36 1.36 0 0 1-.938-.379L7.23 12.932c-.51-.51-.51-1.35 0-1.86l7.681-7.69a1.32 1.32 0 0 1 1.86 0c.51.511.51 1.35 0 1.861l-6.745 6.75 6.744 6.751c.51.51.51 1.35 0 1.86a1.29 1.29 0 0 1-.937.38l.016.016Z" class="icon-base"></path></svg> Home equity</button> </div> <div class="SiteNavSubcategory-categoryTitle" x-text="activeSubcategoryName"></div> <div class="SiteNavSubcategory-panels" tabindex="-1"> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">HELOC </p> <p class="SiteNavTopicOverview-copy">A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.</p> <a href="/home-equity/heloc-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - HELOC subcategory CTA" data-position="1" data-text="HELOC Rates" data-outcome="send to link" data-category="Home equity"> HELOC Rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Home equity basics </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-lenders/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="1" data-text="Best HELOC lenders" data-outcome="send to link"> Best HELOC lenders</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/heloc-calculator/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="2" data-text="HELOC calculator" data-outcome="send to link"> HELOC calculator</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-heloc/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="3" data-text="What is a HELOC?" data-outcome="send to link"> What is a HELOC?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-of-home-equity-lines/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="4" data-text="Pros and cons of HELOCs" data-outcome="send to link"> Pros and cons of HELOCs</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/reviews/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory featured link" data-position="5" data-text="Home equity lender reviews" data-outcome="send to link"> Home equity lender reviews</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/what-is-home-equity/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="1" data-text="What is home equity?" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1440x1440/e9e92b7729/home-equity-heloc-guide-nav-imagery.png/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">What is home equity?</span> <span class="SiteNavFeaturedLink-supportText">8 min read</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/how-to-calculate-equity-in-your-home/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - HELOC subcategory link" data-position="2" data-text="How to calculate home equity" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1280x720/98576f9f53/home-purchase.jpeg/m/50x50/filters:quality(90):format(webp)" alt="Home purchase"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">How to calculate home equity</span> <span class="SiteNavFeaturedLink-supportText">6 min read</span> </div> </a> </li> </ul> </div> </div> </div> </div> <div class="SiteNavSubcategory-panel" :class="{'is-active' : isActiveSubcategory($id('subcategory', whichChild($el, $el.parentElement)))}" :aria-labelledby="$id('subcategory', whichChild($el, $el.parentElement))" role="tabpanel" @keydown="keydownSubcategoryLinks($el, $event)" tabindex="-1"> <div class="SiteNavSubcategory-firstColumn"> <div class="SiteNavTopicOverview"> <p class="SiteNavTopicOverview-heading" role="heading">Home equity loans </p> <p class="SiteNavTopicOverview-copy">Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.</p> <a href="/home-equity/home-equity-loan-rates/" class="Button Button--primary" data-beam-element-clicked data-type="button" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory CTA" data-position="1" data-text="Home equity loan rates" data-outcome="send to link" data-category="Home equity"> Home equity loan rates</a> </div> </div> <div class="SiteNavSubcategory-secondColumn"> <div class="SiteNavSecondaryLinkListWrapper"> <p class="SiteNavSecondaryLinkListWrapper-eyebrow" role="heading">Get guidance </p> <div class="SiteNavSecondaryLinkLists"> <ul class="SiteNavSecondaryLinkList"> <li> <a class="SiteNavSecondaryLink" href="/home-equity/what-is-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="1" data-text="What is a home equity loan?" data-outcome="send to link"> What is a home equity loan?</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/pros-cons-home-equity-loan/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="2" data-text="Home equity loan pros and cons" data-outcome="send to link"> Home equity loan pros and cons</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/requirements-to-borrow-from-home-equity/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="3" data-text="Home equity loan requirements" data-outcome="send to link"> Home equity loan requirements</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/home-equity-loan-vs-line-of-credit/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="4" data-text="HELOC vs home equity loan" data-outcome="send to link"> HELOC vs home equity loan</a> </li> <li> <a class="SiteNavSecondaryLink" href="/home-equity/how-to-build-equity-in-your-home/" data-beam-element-clicked data-type="secondary link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory featured link" data-position="5" data-text="How to build home equity" data-outcome="send to link"> How to build home equity</a> </li> </ul> <ul class="SiteNavFeaturedLinkList"> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-loan-lenders/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="1" data-text="Best home equity loan lenders" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/721x720/bad3fd8f56/heloc-lender-reviews-s.jpg/m/50x50/filters:quality(90):format(webp)" alt=""> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Best home equity loan lenders</span> <span class="SiteNavFeaturedLink-supportText">Compare top home equity lenders</span> </div> </a> </li> <li> <a class="SiteNavFeaturedLink" href="/home-equity/home-equity-calculator/" data-beam-element-clicked data-type="featured link" data-location="site-nav" data-name="Home equity nav - Home equity loans subcategory link" data-position="2" data-text="Home equity calculator" data-outcome="send to link"> <div class="SiteNavFeaturedLink-image"> <img loading="lazy" srcset="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp), https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/100x100/filters:quality(90):format(webp) 2x" src="https://www.bankrate.com/f/102997/1920x1080/2654611691/cd-rates.jpeg/m/50x50/filters:quality(90):format(webp)" alt="CD Rates"> </div> <div class="SiteNavFeaturedLink-content"> <span class="SiteNavFeaturedLink-mainText">Home equity calculator</span> <span class="SiteNavFeaturedLink-supportText">Calculate how much you can borrow</span> </div> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="SiteNavSubcategory-categoryLinkContainer"> <a href="/home-equity/" class="SiteNavSubcategory-categoryLink" @keydown.tab="focusNextSubcategoryTab" @keydown.down="$event.preventDefault()" data-beam-element-clicked data-type="LINK" data-location="site-nav" data-name="Home equity hub link - 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We do not include the universe of companies or financial offers that may be available to you. </p> </div> <button data-cy="modalClose" class="Modal-close" type="button" data-target="advertiser-disclosure-modal" aria-label="close" @click="" ></button> </div> </div> </template> </div> </div> </div> <div class="flex gap-6 flex-col md:flex-row"> <div class="basis-1/2 flex-grow"> <h1 class="text-white heading-1 text-pretty"> Best mortgage refinance lenders in 2024 </h1> <div class="grid grid-cols-[max-content_1fr] gap-y-6 sm:gap-y-2 gap-x-2 sm:gap-x-4 items-center relative z-5" data-cy="byline"> <div class="flex px-[0.125rem] row-span-1 sm:row-span-2"> <img srcset="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 z-15 shrink-0" alt="Andrew Dehan" /> <img srcset="https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=48&height=48&fit=cover&enable=upscale&crop=1:1,smart" class="inline-block rounded-full object-center object-cover size-12 Byline-userAvatar size-6 sm:size-8 -ml-2 z-5 shrink-0" alt="Suzanne De Vita" /> </div> <div class="col-start-2 text-sm text-blue-200"> Written by <div class="Tooltip hidden sm:inline-block" x-data="interactiveTooltip('9McV9W', )" x-bind="container"> <button class="Tooltip-trigger underline underline-offset-4 font-bold text-white" type="button" id="tooltip-trigger-9McV9W" aria-controls="tooltip-content-9McV9W" x-bind="trigger" > Andrew Dehan </button>, <div class="Tooltip-content Tooltip-content--belowTrigger Tooltip-content--anchorCenter author-preview z-layer-four" style="display: none;" id="tooltip-content-9McV9W" aria-hidden="true" aria-labelledby="tooltip-trigger-9McV9W" role="dialog" x-bind="content" > <div class="Tooltip-body"> <div class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--author AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2023/02/02153027/AD-Headshot.png?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/andrew-dehan/" class="Link 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text-base"> • </span> Mortgages </li> </ul> </div> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2 self-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 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class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Andrew Dehan writes about real estate and personal finance. His work has been published by Rocket Mortgage, Forbes Advisor and Business Insider. He’s also a poet, musician and nature-lover. He lives in metro Detroit with his wife and children. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/andrew-dehan/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="Best mortgage refinance lenders in 2024" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> <ul class="AuthorSocialConnect List flex items-center mb-0"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-500 p-3 hover:text-blue-600" href="https://www.linkedin.com/in/andrew-dehan-a8a21830/" target="_blank"> <span class="sr-only">Connect with Andrew Dehan on LinkedIn</span> <svg class="Icon Icon--xs" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>LinkedIn Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M7.482 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class="Tooltip-arrow"></div> <div class="AuthorPreview AuthorPreview--editor AuthorPreview--tooltip"> <div class="AuthorPreview-top border-b border-gray-100 pb-4"> <img class="AuthorPreview-avatar AuthorAvatar shrink-0 AuthorAvatar--lg" srcset="https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=1.5 1.5x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=2 2x, https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart&dpr=3 3x" src="https://www.bankrate.com/2021/11/12120709/DSC3103-1-Sq-edit-copy-scaled.jpg?auto=webp&quality=85&width=64&height=64&fit=cover&enable=upscale&crop=1:1,smart" alt="" /> <div class="AuthorPreview-attribution"> <div class="AuthorPreview-name"> <a href="https://www.bankrate.com/authors/suzanne-de-vita/" class="Link Link--standalone text-gray-900"> Suzanne De Vita </a> </div> <span class="AuthorPreview-title text-sm text-gray-700 text-crop-none">Senior editor, Home Lending</span> </div> </div> <div class="AuthorPreview-expertise my-4"> <div class="w-full"> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Ribbon Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M17.856 16.638a2.291 2.291 0 0 0 1.514-2.15v-.764c0-.283.115-.551.314-.75l.535-.543a2.25 2.25 0 0 0 .68-1.622c0-.612-.236-1.193-.672-1.629l-.536-.535a1.053 1.053 0 0 1-.306-.75V7.13a2.303 2.303 0 0 0-2.294-2.302h-.773c-.29 0-.558-.115-.75-.306l-.543-.551a2.294 2.294 0 0 0-3.243 0l-.535.535a1.04 1.04 0 0 1-.75.306h-.773a2.296 2.296 0 0 0-2.287 2.196c-.015.038-.015.084-.015.122v.757c0 .283-.115.551-.314.75l-.474.482-.034.03-.035.031a2.28 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class="flex items-center gap-2 mt-2 text-gray-900"> <span class="text-blue-700 text-base"> • </span> Mortgages </li> </ul> </div> <div class="flex items-center"> <svg class="Icon Icon--sm text-gray-900 mr-2 self-start" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Calendar Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M14.945 6H6.846c-.78 0-1.433.94-1.433 2.05v13.4c0 1.11.654 2.05 1.433 2.05h14.268c.779 0 1.433-.94 1.433-2.05V8.05c0-1.11-.654-2.05-1.434-2.05h-6.168Z" fill="transparent" class="icon-offset"/><path fill-rule="evenodd" clip-rule="evenodd" d="M15.752 6.413a.647.647 0 0 1-.644-.644v-.887H8.892v.887c0 .354-.29.644-.644.644a.647.647 0 0 1-.645-.644v-.887H5.57c-.7 0-1.29.846-1.29 1.846v2.216h15.421V6.728c0-1-.588-1.846-1.29-1.846h-2.015v.887c0 .354-.29.644-.645.644Zm-8.15-2.82H5.58C4.161 3.592 3 5.002 3 6.727v12.067c0 1.734 1.16 3.136 2.58 3.136h12.84c1.427 0 2.58-1.41 2.58-3.136V6.729c0-1.733-1.16-3.136-2.58-3.136h-2.023v-.879a.647.647 0 0 0-.645-.645.647.647 0 0 0-.644.645v.88H8.892v-.88a.647.647 0 0 0-.644-.645.647.647 0 0 0-.645.645v.88Zm-3.32 6.64h15.42v8.563c0 1-.588 1.846-1.29 1.846H5.572c-.702 0-1.29-.847-1.29-1.846v-8.562Zm3.683 4.128a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.363.806.806.806Zm.806 2.781a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.363-.806.806-.806.444 0 .806.363.806.806Zm3.346-2.78a.808.808 0 0 0 .806-.807.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .444.362.806.806.806Zm.806 2.78a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.443.362-.806.806-.806.443 0 .806.363.806.806Zm3.329-2.797a.808.808 0 0 0 .806-.806.808.808 0 0 0-.806-.806.808.808 0 0 0-.806.806c0 .443.363.806.806.806Zm.806 2.773a.808.808 0 0 1-.806.806.808.808 0 0 1-.806-.806c0-.444.363-.806.806-.806.443 0 .806.362.806.806Z" class="icon-base"/></svg> <div class="text-sm text-gray-900 font-bold leading-normal lowercase flex"> 12 Years of experience </div> </div> </div> <div class="AuthorPreview-bottom text-gray-700"> <div class="AuthorPreview-bio text-crop-none AuthorPreview-bio--truncated"> Suzanne De Vita is a senior editor on Bankrate’s Home Lending team, focusing on mortgage and real estate topics for homebuyers, homeowners, investors and renters. </div> <div class="flex items-center justify-between w-full"> <a href="https://www.bankrate.com/authors/suzanne-de-vita/" class="Link Link--standalone font-bold" data-beam-element-clicked data-type="button" data-location="Best mortgage refinance lenders in 2024" data-name="footer_author_button" data-position="byline" data-text="read_more_from_author" data-outcome="open author's page" > Read more </a> <ul class="AuthorSocialConnect List flex items-center mb-0"> <li class="AuthorSocialConnect-item block"> <a class="AuthorSocialConnect-link flex items-center text-gray-500 p-3 hover:text-blue-600" 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'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Better </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('old-national')}" href="#old-national" data-id="old-national" @click.prevent="jumpTo('old-national')" @keydown.space="jumpTo('old-national')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link1" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Old National Bank" data-position="2" data-text="Old National Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('old-national') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Old National Bank </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('us-bank')}" href="#us-bank" data-id="us-bank" @click.prevent="jumpTo('us-bank')" @keydown.space="jumpTo('us-bank')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="U.S. Bank" data-position="3" data-text="U.S. Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('us-bank') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> U.S. Bank </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('penfed')}" href="#penfed" data-id="penfed" @click.prevent="jumpTo('penfed')" @keydown.space="jumpTo('penfed')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="PenFed Credit Union" data-position="4" data-text="PenFed Credit Union" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('penfed') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> PenFed Credit Union </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('rocket')}" href="#rocket" data-id="rocket" @click.prevent="jumpTo('rocket')" @keydown.space="jumpTo('rocket')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Rocket Mortgage" data-position="5" data-text="Rocket Mortgage" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('rocket') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Rocket Mortgage </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('citizens-bank')}" href="#citizens-bank" data-id="citizens-bank" @click.prevent="jumpTo('citizens-bank')" @keydown.space="jumpTo('citizens-bank')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link5" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="Citizens Bank" data-position="6" data-text="Citizens Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('citizens-bank') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Citizens Bank </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('pnc-bank')}" href="#pnc-bank" data-id="pnc-bank" @click.prevent="jumpTo('pnc-bank')" @keydown.space="jumpTo('pnc-bank')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link6" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-desktop" data-name="PNC Bank" data-position="7" data-text="PNC Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('pnc-bank') ? 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'0' : '-3.5rem' }" > <div class="flex items-center justify-between p-4" data-beam-element-viewed id="" data-type="LIST" data-location="SHELF-TOC" data-name="shelf_toc" data-position="top" data-text="table_of_contents" data-outcome="INTERNALLINK" > <button class="flex items-center gap-2 bg-transparent border-none p-0 cursor-pointer active:underline" data-target="#TocModal" data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-text="" data-outcome="INTERNALLINK" > <svg class="size-4 fill-blue-700" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Menu List Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M3 5.972a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Zm17.163.837H8.107a.84.84 0 0 1-.837-.837.84.84 0 0 1 .837-.837h12.056a.84.84 0 0 1 .837.837.84.84 0 0 1-.837.837ZM8.107 12.837h12.056A.84.84 0 0 0 21 12a.84.84 0 0 0-.837-.837H8.107A.84.84 0 0 0 7.27 12c0 .46.376.837.837.837Zm0 6.028h12.056a.84.84 0 0 0 .837-.837.84.84 0 0 0-.837-.837H8.107a.84.84 0 0 0-.837.837c0 .46.376.837.837.837Zm-4.008-5.64a1.099 1.099 0 1 1 0-2.198 1.099 1.099 0 0 1 0 2.198ZM3 18.027a1.099 1.099 0 1 0 2.197 0 1.099 1.099 0 0 0-2.197 0Z" class="icon-base"/></svg> <span class="gray-900"> Table of contents </span> </button> <button class="bg-transparent border-none p-0 cursor-pointer active:underline" aria-label="Back to Top" x-ref="jumpToTopBtn" @click="backToTop" data-beam-element-clicked-no-delay id="" data-type="button" data-location="SHELF-TOC" data-name="shelf_toc_back-to-top-button" data-position="top" data-text="back-to-top" > Back to top <span class="flex flex-col float-right ml-2 text-blue-600"> <svg class="size-4 -mb-2" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Trend Unchanged Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M4.5 12c0-.6.471-1.071 1.071-1.071H18.43c.6 0 1.071.471 1.071 1.071s-.471 1.072-1.071 1.072H5.57c-.6 0-1.071-.472-1.071-1.072Z" class="icon-base"/></svg> <svg class="size-4" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Arrow Up Icon</title><path fill-rule="evenodd" clip-rule="evenodd" d="M5.31 11.21c-.19-.2-.29-.45-.29-.71H5c0-.25.09-.5.29-.7l6-6.01c.19-.18.44-.29.71-.29.27 0 .52.1.71.29l6 6.01a.996.996 0 1 1-1.41 1.41L13 6.91V19.5c0 .55-.45 1-1 1s-1-.45-1-1V6.92l-4.28 4.29a.996.996 0 0 1-1.41 0Z" class="icon-base"/></svg> </span> </button> </div> <div class="w-full"> <div class="h-1 bg-blue-700" :style="{ width: scrollProgress + '%' }" role="progressbar" :aria-valuenow="scrollProgress" aria-valuemin="0" aria-valuemax="100" aria-label="Progress"> </div> </div> </div> </div> <div x-data x-init="$nextTick(() => { window.initModal('TocModal', 0); })" > <template x-teleport="#modalStack"> <div id="TocModal" class="Modal is-closed Modal--tableOfContents" role="dialog" aria-hidden="true" > <button class="Modal-overlay" data-target="TocModal" aria-label="close" @click="" data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-outcome="INTERNALLINK" ></button> <div data-cy="modalContainer" class="Modal-container" role="document" tabindex="-1" > <div class="block rounded-t-2xl max-w-[50rem] w-screen overflow-scroll bg-white"> <div class="px-6 pt-6"> <div class="flex items-center justify-between pb-4 border-b border-b-gray-300"> <p class="text-xl font-bold m-0 text-black"> Table of contents </p> <button class="border-none bg-transparent" type="button" data-target="TocModal" aria-label="close" data-beam-element-clicked-no-delay id="open_close_accordion_shelf_toc" data-type="accordion" data-location="SHELF-TOC" data-name="open_close_accordion" data-position="top" data-outcome="INTERNALLINK" > <svg class="fill-black size-3" viewBox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Close X Icon</title><path d="M18.88 3.28a1.3 1.3 0 1 1 1.839 1.84L13.839 12l6.88 6.881a1.3 1.3 0 1 1-1.838 1.838L12 13.84l-6.881 6.88a1.3 1.3 0 1 1-1.839-1.838L10.161 12l-6.88-6.88a1.3 1.3 0 0 1 1.838-1.84L12 10.162l6.882-6.88Z" class="icon-base"/></svg> </button> </div> <div class="my-6 overflow-y-auto max-h-[60vh]"> <ul class="list-none m-0 flex flex-col gap-4"> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('better')}" href="#better" data-id="better" @click.prevent="jumpTo('better')" @keydown.space="jumpTo('better')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link0" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Better" data-position="1" data-text="Better" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('better') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Better </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('old-national')}" href="#old-national" data-id="old-national" @click.prevent="jumpTo('old-national')" @keydown.space="jumpTo('old-national')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link1" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Old National Bank" data-position="2" data-text="Old National Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('old-national') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Old National Bank </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('us-bank')}" href="#us-bank" data-id="us-bank" @click.prevent="jumpTo('us-bank')" @keydown.space="jumpTo('us-bank')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link2" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="U.S. Bank" data-position="3" data-text="U.S. Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('us-bank') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> U.S. Bank </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('penfed')}" href="#penfed" data-id="penfed" @click.prevent="jumpTo('penfed')" @keydown.space="jumpTo('penfed')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link3" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="PenFed Credit Union" data-position="4" data-text="PenFed Credit Union" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('penfed') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> PenFed Credit Union </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('rocket')}" href="#rocket" data-id="rocket" @click.prevent="jumpTo('rocket')" @keydown.space="jumpTo('rocket')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link4" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Rocket Mortgage" data-position="5" data-text="Rocket Mortgage" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('rocket') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Rocket Mortgage </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('citizens-bank')}" href="#citizens-bank" data-id="citizens-bank" @click.prevent="jumpTo('citizens-bank')" @keydown.space="jumpTo('citizens-bank')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link5" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="Citizens Bank" data-position="6" data-text="Citizens Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('citizens-bank') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> Citizens Bank </span> </a> </li> <li class=""> <a class="group flex items-center gap-4 text-gray-700 no-underline hover:underline" :class="{'active font-bold font-sans text-gray-900': isActive('pnc-bank')}" href="#pnc-bank" data-id="pnc-bank" @click.prevent="jumpTo('pnc-bank')" @keydown.space="jumpTo('pnc-bank')" @keydown.arrow-up.prevent="focusPrev()" @keydown.arrow-down.prevent="focusNext()" @keydown.arrow-left.prevent="focusPrev(true)" @keydown.arrow-right.prevent="focusNext(true)" x-ref="link6" data-beam-element-clicked-no-delay id="" data-type="LINK" data-location="SHELF-TOC-mobile" data-name="PNC Bank" data-position="7" data-text="PNC Bank" > <span class="rounded border-blue-200 min-w-2 h-2 group-hover:border-blue-600" :class="isActive('pnc-bank') ? 'bg-blue-700 border-none' : 'border-2' "> </span> <span class="line-clamp-2"> PNC Bank </span> </a> </li> </ul> </div> </div> </div> </div> </div> </template> </div> </div> <div class="article__main-content wysiwyg wysiwyg--lg js-ArticleBody -order-2"> <p>Although <a href="https://www.bankrate.com/mortgages/refinance-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="refinance interest rates" data-type="LINK" data-position="1" data-name="article-link" data-outcome="INTERNALLINK">refinance interest rates</a> aren’t as favorable as they had been during the pandemic, refinancing might make sense today for some homeowners who want to pull out cash. We’ve made it easier for you to compare refinance offers by reviewing dozens of mortgage lenders in several key areas. Based on those benchmarks, here is our guide to the best mortgage refinance lenders in 2024.</p> <div id="top-funnel-content-top"></div> <div id="top-funnel-content-mid"></div> <h2>Bankrate’s picks for best mortgage refinance lenders</h2> <div class="w-full overflow-x-auto"><table class="Table Table--text Table--stripedOdd Table--spacing1 wrapped"> <thead> <tr> <th>Mortgage refinance lenders</th> <th>Credit requirements</th> <th>Bankrate Score</th> </tr> </thead> <tbody> <tr> <td><strong><a href="#better">Better</a></strong></td> <td>620 for conventional loans, 580 for FHA loans, 620 for VA loans</td> <td>4.6</td> </tr> <tr> <td><strong><a href="#old-national">Old National Bank</a></strong></td> <td>620 for conventional loans, 600 for FHA loans, 620 for VA loans</td> <td>4.6</td> </tr> <tr> <td><strong><a href="#us-bank">U.S. Bank</a></strong></td> <td>620 for conventional loans, 740 for jumbo loans</td> <td>4.8</td> </tr> <tr> <td><strong><a href="#penfed">PenFed Credit Union</a></strong></td> <td>650 for conventional loans, 700 for jumbo loans, 620 for FHA loans</td> <td>4.7</td> </tr> <tr> <td><strong><a href="#rocket">Rocket Mortgage</a></strong></td> <td>620 for conventional loans, 680 for jumbo loans, 580 for FHA and VA loans</td> <td>4.6</td> </tr> <tr> <td><strong><a href="#citizens-bank">Citizens Bank</a></strong></td> <td>620 for conventional loans</td> <td>4.5</td> </tr> <tr> <td><strong><a href="#pnc-bank">PNC Bank</a></strong></td> <td>620 for conventional, jumbo and FHA loans, 640 for USDA loans</td> <td>4.5</td> </tr> </tbody> </table></div> <p><span id="better" data-table-of-contents-category="better" aria-hidden="true"></span><br> </p> <div class="my-16"> <div class="ProductCard"> <div class="ProductCard-container"> <div class="ProductCard-headerContent"> <img decoding="async" class="ProductCard-image" src="https://www.bankrate.com/2023/01/19101826/better_mortgage.jpeg?auto=webp&width=200" alt="Better logo"> <div class="ProductCard-infoContainer"> <div class="ProductCard-headerContainer">  <h3 class="ProductCard-header"> Better </h3>  </div> </div> </div> <div class="ProductCard-ctaContainer"> <a href="https://www.bankrate.com/mortgages/reviews/better-mortgage/ " class="Button ProductCard-link Button--primary" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Learn more" data-type="LINK" data-position="2" data-name="article-link" data-outcome="INTERNALLINK"> <span class="flex items-center justify-center gap-x-2"> Learn more </span> </a> <span class="ProductCard-ctaSubcopy">in our Bankrate review</span> </div> </div> <div class="ProductCard-body"> <ul class="Accordion w-full"> <li x-id="['panel-lender-details', 'heading-lender-details']" x-data="{ expanded: 1 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" aria-expanded="true" :id="$id('heading-lender-details')" :aria-controls="$id('panel-lender-details')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Lender details </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lender-details')" :aria-labelledby="$id('heading-lender-details')" x-show="expanded" x-collapse role="region"> <div class="Accordion-content text-gray-700"> <div class="wysiwyg wysiwyg--flush has-links text-gray-700"> <ul> <li> <strong>Availability:</strong> All U.S. states</li> <li> <strong>Loans offered:</strong> Conventional, FHA, VA</li> <li> <strong>Credit requirements:</strong> 620 for conventional loans, 580 for FHA loans, 620 for VA loans</li> <li> <strong>Where to find:</strong> Online</li> </ul> </div> </div> </div> </li> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :aria-labelledby="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"> <div class="Accordion-content text-gray-700"> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/circle-check.4f37d5.svg" alt="Green circle with a checkmark inside"> </div>  <h5 class="ProsAndConsItem-header"> Pros </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Completely digital process, with daily online rates, three-minute preapprovals and hybrid closings; no fees; Price Guarantee matches or beats competitor offers</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Red circle with an X inside"> </div>  <h5 class="ProsAndConsItem-header"> Cons </h5>  </div> <ul class="ProsAndConsItem-list"> <li>No branch locations; no home equity loans or USDA loans</li> </ul> </div> </div> </div> </div> </li> </ul> </div> </div> </div> <p><span id="old-national" data-table-of-contents-category="old-national" aria-hidden="true"></span><br> </p> <div class="my-16"> <div class="ProductCard"> <div class="ProductCard-container"> <div class="ProductCard-headerContent"> <img decoding="async" class="ProductCard-image" src="https://www.bankrate.com/2023/12/18162331/old-national-bank.png?auto=webp&width=200" alt="Old National Bank"> <div class="ProductCard-infoContainer"> <div class="ProductCard-headerContainer">  <h3 class="ProductCard-header"> Old National Bank </h3>  </div> </div> </div> <div class="ProductCard-ctaContainer"> <a href="https://www.bankrate.com/mortgages/reviews/old-national-bank/" class="Button ProductCard-link Button--primary" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Learn more" data-type="LINK" data-position="3" data-name="article-link" data-outcome="INTERNALLINK"> <span class="flex items-center justify-center gap-x-2"> Learn more </span> </a> <span class="ProductCard-ctaSubcopy">in our Bankrate review</span> </div> </div> <div class="ProductCard-body"> <ul class="Accordion w-full"> <li x-id="['panel-lender-details', 'heading-lender-details']" x-data="{ expanded: 1 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" aria-expanded="true" :id="$id('heading-lender-details')" :aria-controls="$id('panel-lender-details')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Lender details </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lender-details')" :aria-labelledby="$id('heading-lender-details')" x-show="expanded" x-collapse role="region"> <div class="Accordion-content text-gray-700"> <div class="wysiwyg wysiwyg--flush has-links text-gray-700"> <ul> <li> <strong>Availability:</strong> All U.S. states</li> <li> <strong>Loans offered:</strong> Conventional, jumbo, FHA, VA, USDA</li> <li> <strong>Credit requirements:</strong> 620 for conventional loans, 600 for FHA loans, 620 for VA loans</li> <li> <strong>Where to find:</strong> Branch locations and online</li> </ul> </div> </div> </div> </li> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :aria-labelledby="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"> <div class="Accordion-content text-gray-700"> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/circle-check.4f37d5.svg" alt="Green circle with a checkmark inside"> </div>  <h5 class="ProsAndConsItem-header"> Pros </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Branches plus online banking; special loan programs for first responders, professors and physicians</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Red circle with an X inside"> </div>  <h5 class="ProsAndConsItem-header"> Cons </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Branch locations limited to five states</li> </ul> </div> </div> </div> </div> </li> </ul> </div> </div> </div> <p><span id="us-bank" data-table-of-contents-category="us-bank" aria-hidden="true"></span><br> </p> <div class="my-16"> <div class="ProductCard"> <div class="ProductCard-container"> <div class="ProductCard-headerContent"> <img decoding="async" class="ProductCard-image" src="https://www.bankrate.com/2019/05/07163900/us_bank_logoresized-.png?auto=webp&width=200" alt="US Bank Logo"> <div class="ProductCard-infoContainer"> <div class="ProductCard-headerContainer">  <h3 class="ProductCard-header"> U.S. Bank </h3>  </div> </div> </div> <div class="ProductCard-ctaContainer"> <a href="https://www.bankrate.com/mortgages/reviews/u.s.-bank/" class="Button ProductCard-link Button--primary" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Learn more" data-type="LINK" data-position="4" data-name="article-link" data-outcome="INTERNALLINK"> <span class="flex items-center justify-center gap-x-2"> Learn more </span> </a> <span class="ProductCard-ctaSubcopy">in our Bankrate review</span> </div> </div> <div class="ProductCard-body"> <ul class="Accordion w-full"> <li x-id="['panel-lender-details', 'heading-lender-details']" x-data="{ expanded: 1 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" aria-expanded="true" :id="$id('heading-lender-details')" :aria-controls="$id('panel-lender-details')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Lender details </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lender-details')" :aria-labelledby="$id('heading-lender-details')" x-show="expanded" x-collapse role="region"> <div class="Accordion-content text-gray-700"> <div class="wysiwyg wysiwyg--flush has-links text-gray-700"> <ul> <li> <strong>Availability:</strong> All U.S. states</li> <li> <strong>Loans offered:</strong> Conventional, jumbo, FHA, VA, USDA</li> <li> <strong>Credit requirements:</strong> 620 for conventional loans, 740 for jumbo loans</li> <li> <strong>Where to find:</strong> Branch locations and online</li> </ul> </div> </div> </div> </li> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :aria-labelledby="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"> <div class="Accordion-content text-gray-700"> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/circle-check.4f37d5.svg" alt="Green circle with a checkmark inside"> </div>  <h3 class="ProsAndConsItem-header"> Pros </h3>  </div> <ul class="ProsAndConsItem-list"> <li>Discounts for banking customers</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Red circle with an X inside"> </div>  <h3 class="ProsAndConsItem-header"> Cons </h3>  </div> <ul class="ProsAndConsItem-list"> <li>Requires a higher credit score to qualify; refinance timeline can be lengthy</li> </ul> </div> </div> </div> </div> </li> </ul> </div> </div> </div> <p><span id="penfed" data-table-of-contents-category="penfed" aria-hidden="true"></span><br> </p> <div class="my-16"> <div class="ProductCard"> <div class="ProductCard-container"> <div class="ProductCard-headerContent"> <img decoding="async" class="ProductCard-image" src="https://www.bankrate.com/2021/05/10121412/PenFed-2021-Personal-Loan-Review.jpeg?auto=webp&width=200" alt="PenFed Credit Union logo"> <div class="ProductCard-infoContainer"> <div class="ProductCard-headerContainer">  <h3 class="ProductCard-header"> PenFed Credit Union </h3>  </div> </div> </div> <div class="ProductCard-ctaContainer"> <a href="https://www.bankrate.com/mortgages/reviews/penfed-credit-union/" class="Button ProductCard-link Button--primary" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Learn more" data-type="LINK" data-position="5" data-name="article-link" data-outcome="INTERNALLINK"> <span class="flex items-center justify-center gap-x-2"> Learn more </span> </a> <span class="ProductCard-ctaSubcopy">in our Bankrate review</span> </div> </div> <div class="ProductCard-body"> <ul class="Accordion w-full"> <li x-id="['panel-lender-details', 'heading-lender-details']" x-data="{ expanded: 1 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" aria-expanded="true" :id="$id('heading-lender-details')" :aria-controls="$id('panel-lender-details')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Lender details </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lender-details')" :aria-labelledby="$id('heading-lender-details')" x-show="expanded" x-collapse role="region"> <div class="Accordion-content text-gray-700"> <div class="wysiwyg wysiwyg--flush has-links text-gray-700"> <ul> <li> <strong>Availability:</strong> All U.S. states</li> <li> <strong>Loans offered:</strong> Conventional, jumbo, FHA, VA</li> <li> <strong>Credit requirements:</strong> 650 for conventional loans, 700 for jumbo loans, 620 for FHA loans</li> <li> <strong>Where to find:</strong> Branch locations and online</li> </ul> </div> </div> </div> </li> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :aria-labelledby="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"> <div class="Accordion-content text-gray-700"> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/circle-check.4f37d5.svg" alt="Green circle with a checkmark inside"> </div>  <h5 class="ProsAndConsItem-header"> Pros </h5>  </div> <ul class="ProsAndConsItem-list"> <li>No lender fees; offers lender credits up to $2,500</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Red circle with an X inside"> </div>  <h5 class="ProsAndConsItem-header"> Cons </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Higher minimum credit score requirements; no USDA loans</li> </ul> </div> </div> </div> </div> </li> </ul> </div> </div> </div> <p><span id="rocket" data-table-of-contents-category="rocket" aria-hidden="true"></span><br> </p> <div class="my-16"> <div class="ProductCard"> <div class="ProductCard-container"> <div class="ProductCard-headerContent"> <img decoding="async" class="ProductCard-image" src="https://www.bankrate.com/2022/09/09143512/rocket-mortgage-logo.jpg?auto=webp&width=200" alt="rocket mortgage logo"> <div class="ProductCard-infoContainer"> <div class="ProductCard-headerContainer">  <h3 class="ProductCard-header"> Rocket Mortgage </h3>  </div> </div> </div> <div class="ProductCard-ctaContainer"> <a href="https://www.bankrate.com/mortgages/reviews/rocket-mortgage/" class="Button ProductCard-link Button--primary" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Learn more" data-type="LINK" data-position="6" data-name="article-link" data-outcome="INTERNALLINK"> <span class="flex items-center justify-center gap-x-2"> Learn more </span> </a> <span class="ProductCard-ctaSubcopy">in our Bankrate review</span> </div> </div> <div class="ProductCard-body"> <ul class="Accordion w-full"> <li x-id="['panel-lender-details', 'heading-lender-details']" x-data="{ expanded: 1 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" aria-expanded="true" :id="$id('heading-lender-details')" :aria-controls="$id('panel-lender-details')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Lender details </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lender-details')" :aria-labelledby="$id('heading-lender-details')" x-show="expanded" x-collapse role="region"> <div class="Accordion-content text-gray-700"> <div class="wysiwyg wysiwyg--flush has-links text-gray-700"> <ul> <li> <strong>Availability:</strong> All U.S. states</li> <li> <strong>Loans offered:</strong> Conventional, jumbo, FHA, VA</li> <li> <strong>Credit requirements:</strong> 620 for conventional loans, 680 for jumbo loans, 580 for FHA and VA loans</li> <li> <strong>Where to find:</strong> Online</li> </ul> </div> </div> </div> </li> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :aria-labelledby="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"> <div class="Accordion-content text-gray-700"> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/circle-check.4f37d5.svg" alt="Green circle with a checkmark inside"> </div>  <h5 class="ProsAndConsItem-header"> Pros </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Superior customer service, including chat and screen-sharing</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Red circle with an X inside"> </div>  <h5 class="ProsAndConsItem-header"> Cons </h5>  </div> <ul class="ProsAndConsItem-list"> <li>No branch locations; no USDA loans</li> </ul> </div> </div> </div> </div> </li> </ul> </div> </div> </div> <p><span id="citizens-bank" data-table-of-contents-category="citizens-bank" aria-hidden="true"></span><br> </p> <div class="my-16"> <div class="ProductCard"> <div class="ProductCard-container"> <div class="ProductCard-headerContent"> <img decoding="async" class="ProductCard-image" src="https://www.bankrate.com/2023/06/21121325/citizens-bank-logo.png?auto=webp&width=200" alt="Citizens Bank logo"> <div class="ProductCard-infoContainer"> <div class="ProductCard-headerContainer">  <h3 class="ProductCard-header"> Citizens Bank </h3>  </div> </div> </div> <div class="ProductCard-ctaContainer"> <a href="https://www.bankrate.com/mortgages/reviews/citizens-bank/" class="Button ProductCard-link Button--primary" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Learn more" data-type="LINK" data-position="7" data-name="article-link" data-outcome="INTERNALLINK"> <span class="flex items-center justify-center gap-x-2"> Learn more </span> </a> <span class="ProductCard-ctaSubcopy">in our Bankrate review</span> </div> </div> <div class="ProductCard-body"> <ul class="Accordion w-full"> <li x-id="['panel-lender-details', 'heading-lender-details']" x-data="{ expanded: 1 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" aria-expanded="true" :id="$id('heading-lender-details')" :aria-controls="$id('panel-lender-details')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Lender details </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lender-details')" :aria-labelledby="$id('heading-lender-details')" x-show="expanded" x-collapse role="region"> <div class="Accordion-content text-gray-700"> <div class="wysiwyg wysiwyg--flush has-links text-gray-700"> <ul> <li> <strong>Availability:</strong> All U.S. states</li> <li> <strong>Loans offered:</strong> Conventional, jumbo, FHA, VA</li> <li> <strong>Credit requirements:</strong> 620 for conventional loans</li> <li> <strong>Where to find:</strong> Branch locations and online</li> </ul> </div> </div> </div> </li> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :aria-labelledby="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"> <div class="Accordion-content text-gray-700"> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/circle-check.4f37d5.svg" alt="Green circle with a checkmark inside"> </div>  <h5 class="ProsAndConsItem-header"> Pros </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Rate discounts for banking customers</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Red circle with an X inside"> </div>  <h5 class="ProsAndConsItem-header"> Cons </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Doesn’t list lender fees online; doesn’t offer USDA loans; slightly below average customer satisfaction scores for mortgage origination</li> </ul> </div> </div> </div> </div> </li> </ul> </div> </div> </div> <p><span id="pnc-bank" data-table-of-contents-category="pnc-bank" aria-hidden="true"></span><br> </p> <div class="my-16"> <div class="ProductCard"> <div class="ProductCard-container"> <div class="ProductCard-headerContent"> <img decoding="async" class="ProductCard-image" src="https://www.bankrate.com/2019/05/17145156/PNC-bank-review.jpg?auto=webp&width=200" alt="PNC Bank logo"> <div class="ProductCard-infoContainer"> <div class="ProductCard-headerContainer">  <h3 class="ProductCard-header"> PNC Bank </h3>  </div> </div> </div> <div class="ProductCard-ctaContainer"> <a href="https://www.bankrate.com/mortgages/reviews/pnc-bank/" class="Button ProductCard-link Button--primary" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Learn more" data-type="LINK" data-position="8" data-name="article-link" data-outcome="INTERNALLINK"> <span class="flex items-center justify-center gap-x-2"> Learn more </span> </a> <span class="ProductCard-ctaSubcopy">in our Bankrate review</span> </div> </div> <div class="ProductCard-body"> <ul class="Accordion w-full"> <li x-id="['panel-lender-details', 'heading-lender-details']" x-data="{ expanded: 1 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" aria-expanded="true" :id="$id('heading-lender-details')" :aria-controls="$id('panel-lender-details')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Lender details </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-lender-details')" :aria-labelledby="$id('heading-lender-details')" x-show="expanded" x-collapse role="region"> <div class="Accordion-content text-gray-700"> <div class="wysiwyg wysiwyg--flush has-links text-gray-700"> <ul> <li> <strong>Availability:</strong> All U.S. states</li> <li> <strong>Loans offered:</strong> Conventional, jumbo, FHA, VA, USDA</li> <li> <strong>Credit requirements:</strong> 620 for conventional, jumbo and FHA loans, 640 for USDA loans</li> <li> <strong>Where to find:</strong> Branch locations and online</li> </ul> </div> </div> </div> </li> <li x-id="['panel-pros-and-cons', 'heading-pros-and-cons']" x-data="{ expanded: 0 }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6" type="button" :id="$id('heading-pros-and-cons')" :aria-controls="$id('panel-pros-and-cons')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded" :data-outcome="expanded ? 'open_accordion' : 'close_accordion'">  <h4 class="Accordion-title mr-2 md:flex-1 my-0"> Pros and cons </h4>  <p class="m-0 leading-none"> <span class="Accordion-icon Icon mb-0 Icon--xs icon-base-gray-900" aria-hidden="true"> <svg class="Icon-glyph" viewbox="0 0 24 24" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><title>Caret Down Icon</title> <path d="M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z" class="icon-base"></path></svg> </span> </p> </button> <div class="Accordion-contentWrapper" :id="$id('panel-pros-and-cons')" :aria-labelledby="$id('heading-pros-and-cons')" x-show="expanded" x-collapse role="region" style="height: 0; overflow: hidden; display: none;"> <div class="Accordion-content text-gray-700"> <div class="ProsAndConsTable"> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/circle-check.4f37d5.svg" alt="Green circle with a checkmark inside"> </div>  <h5 class="ProsAndConsItem-header"> Pros </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Online and in-person options to apply; application can be tracked online</li> </ul> </div> <div class="ProsAndConsItem"> <div class="ProsAndConsItem-headerContainer"> <div> <img decoding="async" src="https://live-bankrate-press.pantheonsite.io/app/themes/bankrate-article-2023/public/site/images/svg/remove-circle.2b2637.svg" alt="Red circle with an X inside"> </div>  <h5 class="ProsAndConsItem-header"> Cons </h5>  </div> <ul class="ProsAndConsItem-list"> <li>Limited mobile app functionality</li> </ul> </div> </div> </div> </div> </li> </ul> </div> </div> </div> <h2 data-beam-element-viewed data-id="br-h2-second-onpage-placement" data-type="h2" data-location="Mortgages, Best Lenders" data-position="h2_second_placement" data-name="h2_second_placement" data-text="Best mortgage refinance lenders" data-outcome>How to choose the best refinance lender for you</h2> <p>To refinance your mortgage, you don’t need to go back to the bank or lender you initially worked with. It’s best to compare interest rates and <a href="https://www.bankrate.com/mortgages/how-much-it-costs-to-refinance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="closing costs" data-type="LINK" data-position="9" data-name="article-link" data-outcome="INTERNALLINK">closing costs</a> from at least three refinance lenders, considering each lender’s credit score, equity and other requirements and how those might apply to your circumstances. It’s also a good idea to check out <a href="https://www.bankrate.com/mortgages/reviews/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="customer reviews of mortgage lenders" data-type="LINK" data-position="10" data-name="article-link" data-outcome="INTERNALLINK">customer reviews of mortgage lenders</a> to help inform your decision.</p> <p>As you compare lenders, you might come across some that charge a flat fee for refinances. This could translate to more savings, depending on how much you’re borrowing and whether there are other fees.</p> <p>Other lenders offer so-called “no closing cost” refinances that allow you to finance these fees with the new loan instead of paying them upfront. While this can be a nice perk if you don’t have the savings, you’ll pay a higher interest rate in exchange for it.</p> <p>Steer clear of any lenders that push refinancing even if it isn’t financially advantageous for you. A reputable loan officer should help you do the math and decide whether refinancing makes sense for your situation.</p> <div class="my-8"> <div class="SupplementaryLink"> Learn more: <a class=" " href="https://www.bankrate.com/mortgages/get-the-best-refinance-rate/" target="_self" data-beam-element-clicked data-type="link" data-location="https://www.bankrate.com/mortgages/best-lenders/refinance-mortgage-lenders/" data-name="Learn more link" data-position="middle" data-text="How to get the best refinance rate on your mortgage" data-outcome="send to page"> How to get the best refinance rate on your mortgage </a> </div> </div> <h2>Additional mortgage refinance resources</h2> <ul> <li><a href="https://www.bankrate.com/mortgages/30-year-refinance-rates/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Current 30-year refinance rates" data-type="LINK" data-position="11" data-name="article-link" data-outcome="INTERNALLINK">Current 30-year refinance rates</a></li> <li><a href="https://www.bankrate.com/mortgages/mortgage-refinance-break-even-calculator/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Refinance breakeven calculator" data-type="LINK" data-position="12" data-name="article-link" data-outcome="INTERNALLINK">Refinance breakeven calculator</a></li> <li><a href="https://www.bankrate.com/mortgages/when-to-refinance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="Reasons to refinance your mortgage" data-type="LINK" data-position="13" data-name="article-link" data-outcome="INTERNALLINK">Reasons to refinance your mortgage</a></li> <li><a href="https://www.bankrate.com/mortgages/how-much-it-costs-to-refinance/" data-beam-element-clicked="ElementClicked" data-location="content body" data-text="How much does it cost to refinance?" data-type="LINK" data-position="14" data-name="article-link" data-outcome="INTERNALLINK">How much does it cost to refinance?</a></li> </ul> <ul class="Accordion"><li x-id="['panel-methodology', 'heading-methodology']" x-data="{ expanded: false }" class="Accordion-item"> <button class="Accordion-titleContainer py-4 px-3 sm:p-6 group" :id="$id('heading-methodology')" :aria-controls="$id('panel-methodology')" :aria-expanded="expanded ? true : false" x-on:click="expanded = !expanded"><h3 class="Accordion-title mr-2 md:flex-1 my-0">Methodology</h3> <div class="m-0 leading-none"><span class="Accordion-icon Icon Icon--sm icon-base-blue-600" aria-hidden="true"><svg class="Icon-glyph" viewbox="0 0 16 16" fill="currentColor" xmlns="http://www.w3.org/2000/svg" focusable="false"><path d="m14 6.9-1.5-1.4L8 9.7 3.5 5.5 2 6.9l6 5.6 6-5.6Z" class="icon-base" fill="currentColor"></path><title>Caret Down</title></svg></span></div></button><div class="Accordion-contentWrapper" :id="$id('panel-methodology')" :labelledby="$id('heading-methodology')" x-show="expanded" x-collapse role="region"><div class="Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6">To determine the best mortgage refinance lenders, Bankrate periodically evaluates more than 80 lenders for factors relating to affordability, availability and borrower experience, assigning each a Bankrate Score out of five stars. The best mortgage refinance lenders generally have a Bankrate Score of 4.5 stars or higher. 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