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Today's refinance rates

30-yr fixed · rate-and-term refiLive
Rate
6.375%
APR
6.442%
Points
0.82
($3,595)
Price my refinance

Sample scenario: $440,000 rate-and-term refinance on a $550,000 home (80% LTV), 740 FICO, single-family primary home, 30-day lock. Your rate depends on your file; we quote it exactly and show the break-even before you commit. Priced as of August 28, 2026 09:38 AM.

  • $0 lender fees on every loan
  • Break-even math before you commit
  • We track your rate after closing

Why HomePilot

Refinance loans, the wholesale way.

Refinance only when the math works

We show your break-even month in writing: what the refi costs, what it saves, and how long until you're ahead. If the math doesn't work, we say so.

Wholesale pricing on the whole ladder

Zero-point rows, buydown rows, and credit rows from 40+ lenders. You pick the structure; we show the honest cost of each.

$0 lender fees

No origination, processing, or underwriting fees from us, which moves the break-even closer and makes smaller rate drops worth doing.

We keep watching after you close

Your rate goes on our daily watch list. When the market drops enough for the math to work again, you hear from us, not from a stranger's cold call.

Term strategies, not just rate drops

Shortening a 30 into a 20 or 15, or refinancing without resetting your payoff date, can beat a plain rate drop. We quote the versions side by side.

Locked in writing

Rate, APR, and point cost documented at lock. The Loan Estimate you sign matches the quote you saw.

How people use it

Three ways this plays out.

Bought when rates were high

This is the classic play. We price today's ladder against your current note and show the exact monthly savings and break-even month for each option.

Rate is fine, payment isn't

Recasting expectations helps nobody. We look at term, mortgage insurance removal, and structure to cut the payment honestly, and tell you if nothing beats staying put.

Another lender already quoted you

Send the Loan Estimate over. Same-day comparison across our lenders, and the published $500 guarantee applies to eligible refinance offers too.

Price my refinance

The $500 Best Price Guarantee

A refinance only makes sense if the numbers win. Make every lender show theirs.

If we can't beat your combination of interest rate, lender fees, and monthly mortgage insurance on an eligible offer, we'll pay you $500 after you close with the other lender.

Eligible offers, terms apply. Read the full terms

Send us your quote

Questions

Refinance loan questions, answered straight.

When the monthly savings pay back the closing costs fast enough for how long you'll keep the home. That break-even is different for every file, so we compute yours in writing instead of quoting a rule of thumb.

Ready when you are.

Sixty seconds to your live quote. No Social Security number, no hard credit pull, no sales calls you didn’t ask for.

Price my refinance