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Giving Homeowners Control Over Their Home Refi Search
See how a home refinance can help you reach your financial goals
*According to your selection, you are years of age and seeking a home refinance.
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Cash Out
$ $$$?*
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Today's 15-Year Fixed Rate**

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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.

Let us know your refinance preferences and we'll take care of the rest.
  • No SSN Required
  • Only takes 5 mins (No hassle, no headaches!)
Our online technology will do the research and heavy lifting to find you the best lenders.
  • Your information is 100% secure
We'll show you the best lender options, personalized for your needs.
  • 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.
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Product matching is a result of many factors, including provider marketing criteria. Matches or Products included here are from Providers who compensate us. This compensation may impact which products appear and how they appear.

Frequently Asked Questions

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
There's also the option of rolling these fees into the loan itself so there are no out-of-pocket costs at the time of the refinance, depending on the lender. While it does seem like a lot upfront, dividing it over several years' worth of payments makes it more affordable.

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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*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.

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.

We are an independent, advertising-supported comparison site. The matches to services that appear on this site are based on a variety of factors, including geography, licensing, filter criteria, and compensation paid (by them).

If the information you provide to us matches the criteria they are seeking, that information may be shared to them in real time, and they will contact you directly.

We are paid by such providers for each consumer they receive matches to. You are not charged for our services. We do not guarantee that these are the only providers in the marketplace, or that their products or services will meet your needs. Their services and products may or may not be the best, or only options, available on the market. Completing our forms does not obligate you to purchase a service or product nor does it obligate a provider to provide you with any particular service about which you may have inquired.

We only accept requests for matching for U.S. Citizens on this Website and specifically exclude all other jurisdictions.

To the extent that ratings or evaluations appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates a number of factors, including but not limited to, our analysis of brand market share and reputation, each brand's consumer volume, compensation paid to us, and general consumer interest.

Rocket Mortgage is one of our top providers as it received the highest score in the J.D. Power Mortgage Origination Satisfaction Studies of customers satisfaction with their mortgage origination process 2010-2020, and 2022. See jdpower.com for more information.

This site, and its family of companies, and Rocket Mortgage, and its related businesses are separate operating subsidiaries of RKT Holdings, LLC.

Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable legal and regulatory requirements.

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