There are plenty of reasons to refinance.

More money at month's end.

Have interest rates dropped since you bought? Your monthly payment could, too.

Get cash out.

When you have a big goal in mind, your home’s value is ready to help.

Make your payment predictable.

Rates can go up, too. Keep your payment where you want it by refinancing to a fixed rate.

Own your home faster.

Make it yours sooner (and pay less interest while getting it) by shortening your payment plan.

Today’s mortgage ratesDisclosure 1

Mortgage rates change every day. If you see a rate that works for you, start your application right away.

Not ready to refinance? Try this instead.

It’s not always the right time to refinance.

Don’t let that get in the way of your plans. Let your home lend a hand—without changing your mortgage. A Home Equity Line of Credit (HELOC) might be just the ticket. Find out by talking to a loan professional in your neighborhood or reading up on the benefits of a HELOC.

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