
Step 1: Enter your current mortgage information
Step 2: Enter your new mortgage information
Step 3: See Your Potential Savings
Refinancing at this rate makes sense both short-term and long-term
Lenders may still be able to help. Click the button below for a more in-depth look at your lender options.
Next Step: Connect with a refinance lender and lock in a rate
Next Step: Connect with a refinance lender to discuss your options
Interest Rate
APR
What is Refily?
Refily is the Home Refinance lender comparison tool you've been waiting for. We take the manual work out of your lender search, matching you with lenders to meet your refinance needs.



- Your information is 100% secure


- You'll first be matched to 1 lender that best fits your needs
- Then easily compare other lenders - all in one place
- 100% transparency - We'll break down everything (Estimated rates, costs, fees* - No surprises here!)
- You'll also see what type of mortgage we think could best fit your needs and your goals.







It really depends on each homeowners' individual situation, but in general, refinancing into a different rate could help save up to thousands over the life of the loan. Refinancing into a rate as little as 1% lower than your current rate can make a difference and if you're planning on staying in your home for a while, even a .5% difference could potentially lower your monthly payment.
There are many factors that determine the outcome of a refinance so if you want to know specifically how it would apply to you, we suggest speaking with an expert for the most accurate results. Keep in mind though, there are other reasons to refinance other than to save money. Many homeowners have refinanced their homes to get some cash or even refinance into a different loan type that better fits their current financial situation.
When refinancing, some of the fees that are associated with a refi are called "closing costs", which are typically between 2%-5% of the loan amount. For example, if you're refinancing a $100,000 mortgage, the closing costs are expected to be between $2,000 - $5,000. These costs are to pay for the different services that go into the loan process such as:
- Credit report
- Origination fee/broker fees
- Title work
- Escrow
- Notary
- Recording fees
- Appraisal fee
- Processing and underwriting
- 6 months -1 year of pre-paid taxes and homeowners insurance
A cash-out refinance is an option for homeowners who have built up equity in their home and want to tap into that equity. With a cash-out refinance, your current home loan will be replaced with a new mortgage that's higher than your existing loan balance. The difference then goes to you in cash.
There are several reasons for choosing a cash-out refinance such as paying off high-interest credit card balances, paying for home renovations, or even simply cashing in on the equity you've gained and putting it into savings.
The usual limit for withdrawing cash with a cash-out refinance is 80% of the home's equity. For example, if your home is valued at $500,000 and your current mortgage balance is $200,000, your home's equity is $300,000. The maximum amount of cash you'd be able to take out is $240,000, which is 80% of $300,000.
The exact amount of cash you'll be able to pull out will be based on your individual circumstances and may vary from lender to lender.

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*Estimated cash out and monthly payment calculations are based on your self-reported information, including a mortgage balance of *$25,000, a 30-year fixed-rate mortgage at %, and assumes your credit score is over 720, or over 740 in the case of certain Jumbo products, and uses a maximum loan-to-value ratio of 80%. Average APRs do not include fees or points, which are determined by lenders. Individual results may vary. Estimated payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Mortgage rates could change daily. Actual payments will vary based on your individual situation, appraised home value, and current rates which will vary by lender. Rates current as of , from participant(s) in the LMB Provider Network for qualified consumers. Payment calculation may not be based on available rates by the lender(s) with whom you have been matched. Estimated payment information is provided for educational purposes; this is not a commitment to lend.
*Average APRs do not include fees or points, which are determined by lenders. Individual results may vary.
**Advertised rates: Based on a $250,000 conventional refinance loan on a single family primary residence located in Georgia, 740 FICO score and 80% LTV. 15 Year Fixed Rate/APR and 30 Year Fixed Rate/APR includes Discount Points. Rates effective and are subject to change without notice. Source: Amerisave NMLS #1168. See site for details.
Advertised rates: Based on a $250,000 conventional refinance loan on a single family primary residence located in Georgia, 740 FICO score and 80% LTV. 15 Year Fixed Rate/APR and 30 Year Fixed Rate/APR includes Discount Points. Rates effective 12/06/2021 and are subject to change without notice.
Advertised rates: Based on a $400,000 conventional refinance loan on a single family primary residence located in Georgia, 740+ FICO score and 80% LTV. 15 Year Fixed Rate/APR includes Discount Points. Rates effective 12/06/2021 and are subject to change without notice.
Advertised rates: Based on a $540,000 conventional refinance loan on a single family primary residence located in Florida, 740+ FICO score and 80% LTV. 15 Year Fixed Rate/APR includes Discount Points. Rates effective 12/06/2021 and are subject to change without notice.
Refily, a LMB Mortgage Services, Inc. company, is not acting as a lender or broker. The information provided by you to Refily is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and/or other factors. Refily does not offer its matching services in all states. This loan may not be available for all credit types, and not all service providers in the Refily network offer this or other products with interest-only options. The information that we provide is from companies which Refily and its partners may receive compensation. This compensation may influence the selection, appearance, and order of appearance on this site. The information provided by Refily does not include all financial services companies or all of their available product and service offerings.