Zero in on the refinancing option that meets your goals
You have choices when it comes to refinancing your home loan, whether you're looking to lower your monthly payment, pay off your mortgage faster or get cash for important expenses.1
Refinance to a fixed rate
A fixed-rate refinance offers you consistency that can help make it easier for you to set a budget. Your monthly payment stays the same for the entire loan term. Choose a shorter term and pay more mortgage off faster.2
Look into government refinance loans3
The Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) have flexible qualification requirements and options to reduce payments or loan terms.
Access funds with a cash-out refinance
With a cash-out refinance, you can pay off your existing first mortgage and use any remaining funds for your life priorities, from home improvements to paying for unplanned expenses.4
Consider an adjustable-rate mortgage (ARM)
ARMs are often used to take advantage of introductory interest rates. The interest rate may change periodically depending on changes in a corresponding financial index that’s associated with the loan.5
Customize the information below for your refinance rate. It's quick and easy.
Enter a home value between $60,000 and $2.5 million. For loans higher than $2.5 million, please call us. Enter a current loan balance between $60,000 and $2.5 million. 
Private mortgage insurance may be required for loans more than 80% of the home value. Enter a valid 5-digit ZIP code Today’s refinance rates
| Loan Type | Rate | APR | Points | Monthly Payments |
|---|
Mortgage purchase rates for ZIP code 95464 as of local time. Chart data above is for illustrative purposes only, assumes a borrower with excellent credit and is subject to change without notice.
†See below for loan assumptions and disclosures.
Today’s refinance rates
Feel more confident with refinancing
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When does a fixed rate make sense?
Explore the potential benefits and drawbacks of switching from an ARM to a fixed rate.
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Explore which outdoor projects make the most sense and how you can pay for them.
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Thinking about creating a home workspace? Here are some key questions to consider.
Get closer to your goals with our helpful tools
Refinance calculator
Closing costs calculator
Questions?
Call to speak with a lending specialist
