Best refinance lenders
How we picked
Refinance only makes sense when (1) the new rate beats your current rate by enough to offset closing costs and (2) you'll stay in the home long enough to recoup. Run our calculator first. Below: the lenders with the lowest published refi rates and most efficient refi process.
1
Newrez
Best refi specialist
- Refi-specific advisors
- Streamlined doc collection
- Smart Series rate-and-term & cash-out
- Customer service inconsistent
2
Better.com
Best no-fee refi
- No lender fees
- Price-match guarantee
- 30-day rate lock free
- Cash-out limited
3
Rocket Mortgage
Best refi experience
- Verified Approval letter
- Online doc upload
- Strong cash-out program
- Slightly higher fees
4
Wells Fargo
Best for current Wells customers
- Customer relationship discount
- Free credit consultation
- Wide product set
- Slower than online lenders
5
loanDepot
Best Lifetime Guarantee
- No lender fees on subsequent refis (Lifetime Guarantee)
- Mello Smartloan
- Local loan officers
- Higher upfront fees
Bottom line
The right pick depends on your credit profile, timing, and how much you're borrowing. Run a soft-pull comparison through HawkLend to see which of these providers will actually approve you and at what rate — takes about two minutes, no impact to your credit.