🏠 Top 10 Mortgage Refinance for 2026
💰 Explore the best refinance rates of 2026 and save more on your monthly payment with expert-recommended lenders
🎯 Quick Summary: With mortgage rates stabilizing in 2026, now is an excellent time to explore mortgage refinance options. Our comprehensive analysis of the top 10 refinance lenders can help you save hundreds or thousands on your monthly mortgage payment.
📋 Introduction: Mortgage Refinancing Landscape in 2026
The mortgage refinancing market in 2026 presents unique opportunities for homeowners looking to reduce their monthly payments and optimize their home financing. With economic conditions stabilizing and competitive lending environments emerging, understanding the best refinance lenders 2026 has to offer is crucial for making informed financial decisions.
Mortgage refinance rates in 2026 are influenced by several key factors including Federal Reserve policies, inflation trends, and market competition among lenders. Current data suggests that homeowners who purchased homes during the high-rate periods of 2022-2024 may find significant savings through refinancing, with potential monthly payment reductions ranging from $200 to $800 depending on loan amount and rate improvement.
The home refinancing process has also evolved significantly, with digital-first lenders streamlining applications and traditional banks enhancing their online platforms. Whether you're considering a cash-out refinance to access your home's equity, switching from an adjustable-rate to a fixed-rate mortgage, or simply securing better terms, 2026 offers diverse refinancing solutions.
This comprehensive guide examines the top mortgage refinance lenders based on competitive rates, customer service excellence, loan variety, and overall value proposition. We'll explore conventional refinancing, VA loan refinance options, FHA refinance options, and specialized programs for different borrower profiles. Our analysis includes detailed rate comparisons, fee structures, and expert recommendations to help you navigate the refinancing process effectively.
📚 Table of Contents
- Top 10 Mortgage Refinance Lenders for 2026
- What is Mortgage Refinancing?
- Types of Refinance Options
- How to Calculate Your Refinance Savings
- Current Mortgage Rates for 2026
- Who Should Refinance in 2026?
- Step-by-Step Refinancing Process
- Refinancing Costs and Fees
- Common Refinancing Mistakes to Avoid
- Frequently Asked Questions
- Conclusion
🏆 Top 10 Mortgage Refinance Lenders for 2026
1. 🚀 Rocket Mortgage (Quicken Loans)
Starting Rates: 6.125% - 7.250% APR
Rocket Mortgage continues to dominate the digital lending space in 2026, offering one of the most streamlined refinance my mortgage experiences available. Their proprietary technology platform enables same-day pre-approvals and provides real-time rate updates, making them ideal for borrowers seeking speed and convenience in their home loan refinance journey.
✅ Key Features:
- ✅ Fully digital application process
- ✅ Same-day pre-approval available
- ✅ 24/7 online account management
- ✅ Rate-lock options up to 90 days
- ✅ Extensive loan officer support
✅ Pros:
- Industry-leading digital experience
- Fast closing times (average 30 days)
- Competitive refinance interest rates
- Excellent customer service ratings
❌ Cons:
- Limited in-person branch access
- Origination fees may apply
- Rates vary significantly by credit score
🎯 Best For: Tech-savvy borrowers who value speed and digital convenience in their refinancing process.
2. 💡 Better.com
Starting Rates: 6.000% - 7.125% APR
Better.com has established itself as a leading digital mortgage lender, offering some of the most competitive mortgage rates 2026 with a focus on transparency and cost efficiency. Their no closing cost refinance options and AI-powered underwriting make them particularly attractive for cost-conscious borrowers.
✅ Key Features:
- ✅ Zero origination fees
- ✅ AI-powered instant pre-approval
- ✅ No closing cost options available
- ✅ Direct lender (no broker fees)
- ✅ Transparent pricing model
✅ Pros:
- Highly competitive rates
- No origination fees
- Fast digital process
- Excellent rate transparency
❌ Cons:
- Limited loan officer interaction
- Strict credit requirements
- No physical branches
🎯 Best For: Borrowers with excellent credit seeking the lowest possible rates and minimal fees.
3. 🏢 LoanDepot
Starting Rates: 6.250% - 7.375% APR
LoanDepot offers a hybrid approach combining digital efficiency with personalized service, making them an excellent choice for borrowers seeking comprehensive home equity refinance solutions. Their mello smartloan platform provides intelligent loan recommendations based on individual financial profiles.
✅ Key Features:
- ✅ Hybrid digital-personal service model
- ✅ mello smartloan AI technology
- ✅ Extensive loan product variety
- ✅ Local loan officers available
- ✅ Competitive jumbo loan rates
✅ Pros:
- Personalized loan officer support
- Wide range of loan products
- Strong jumbo loan offerings
- Flexible underwriting
❌ Cons:
- Moderate origination fees
- Longer processing times
- Variable customer service quality
🎯 Best For: Borrowers wanting personal guidance with modern technology, especially for complex loan scenarios.
4. 🏦 Chase Bank
Starting Rates: 6.375% - 7.500% APR
Chase Bank leverages its extensive branch network and banking relationships to offer comprehensive refinancing solutions. Existing Chase customers often receive preferential rates and streamlined processing, making it an attractive option for relationship banking benefits.
✅ Key Features:
- ✅ Nationwide branch network
- ✅ Relationship banking discounts
- ✅ Full-service mortgage support
- ✅ Jumbo loan specialization
- ✅ Multiple refinance programs
✅ Pros:
- Extensive branch network
- Customer relationship benefits
- Strong financial stability
- Comprehensive loan products
❌ Cons:
- Higher fees for non-customers
- Stricter credit requirements
- Slower digital processing
🎯 Best For: Existing Chase customers and borrowers preferring traditional banking relationships with in-person support.
5. 🏛️ Bank of America
Starting Rates: 6.300% - 7.450% APR
Bank of America's mortgage refinancing program offers competitive rates with significant advantages for existing customers and Preferred Rewards members. Their digital mortgage experience has improved substantially, while maintaining strong branch support for complex transactions.
✅ Key Features:
- ✅ Preferred Rewards rate discounts
- ✅ No origination fees for qualifying customers
- ✅ Streamlined existing customer process
- ✅ Comprehensive loan products
- ✅ Strong jumbo loan rates
✅ Pros:
- Customer loyalty benefits
- No fees for Preferred Rewards
- National branch presence
- Stable, established lender
❌ Cons:
- Higher rates for new customers
- Complex fee structure
- Lengthy approval process
🎯 Best For: Bank of America customers with Preferred Rewards status and borrowers seeking traditional banking stability.
6. 🏪 Wells Fargo
Starting Rates: 6.400% - 7.600% APR
Wells Fargo remains a major player in the refinancing market, offering comprehensive loan products with particular strength in government-backed refinancing programs. Their yourFirst Mortgage program provides benefits for first-time refinancers and relationship banking customers.
✅ Key Features:
- ✅ yourFirst Mortgage benefits
- ✅ Strong government loan programs
- ✅ Relationship banking advantages
- ✅ Extensive branch network
- ✅ Specialized refinance counselors
✅ Pros:
- Comprehensive loan products
- Strong government program support
- Nationwide branch access
- Experienced loan officers
❌ Cons:
- Higher fees and rates
- Strict qualification requirements
- Slower digital experience
🎯 Best For: Existing Wells Fargo customers and borrowers needing specialized government loan refinancing.
7. 📱 SoFi
Starting Rates: 5.950% - 7.100% APR
SoFi has emerged as a competitive refinancing option, particularly for high-income professionals and borrowers with excellent credit. Their member benefits program and competitive rates make them attractive for borrowers seeking premium service and additional financial products.
✅ Key Features:
- ✅ Highly competitive rates for qualified borrowers
- ✅ No origination or application fees
- ✅ Member benefits program
- ✅ Career coaching and financial planning
- ✅ Fast digital processing
✅ Pros:
- Excellent rates for high-credit borrowers
- No fees
- Member perks and benefits
- Modern digital platform
❌ Cons:
- Strict credit and income requirements
- Limited loan products
- No government-backed loans
🎯 Best For: High-income professionals with excellent credit seeking premium rates and member benefits.
8. 🎖️ Veterans United (VA Loans)
Starting Rates: 5.875% - 6.950% APR (VA Loans Only)
Veterans United specializes exclusively in VA loan refinance options, making them the go-to choice for military veterans, active-duty service members, and eligible spouses. Their expertise in VA streamline refinancing (IRRRL) and cash-out refinancing is unmatched in the industry.
✅ Key Features:
- ✅ VA loan specialists
- ✅ VA IRRRL streamline refinancing
- ✅ No down payment cash-out refinance
- ✅ Military-focused customer service
- ✅ Educational resources for veterans
✅ Pros:
- VA loan expertise
- Excellent rates for VA borrowers
- Military-understanding staff
- Streamlined VA processes
❌ Cons:
- VA loans only
- Limited to eligible veterans
- No conventional loan products
🎯 Best For: Military veterans, active-duty service members, and eligible spouses seeking VA loan refinancing.
9. ⚓ Navy Federal Credit Union
Starting Rates: 5.800% - 6.875% APR
Navy Federal Credit Union offers some of the most competitive refinancing rates available, exclusively for military members and their families. Their member-focused approach and excellent customer service make them a top choice for eligible borrowers seeking both conventional and government-backed refinancing.
✅ Key Features:
- ✅ Exceptionally low member rates
- ✅ No origination fees
- ✅ Military-specific programs
- ✅ Personalized service
- ✅ Flexible underwriting
✅ Pros:
- Lowest rates for members
- Excellent customer service
- Member-focused benefits
- Flexible qualification
❌ Cons:
- Military membership required
- Limited branch locations
- Slower digital adoption
🎯 Best For: Military members and families seeking the lowest possible rates with exceptional service.
10. 🚗 Ally Bank
Starting Rates: 6.150% - 7.300% APR
Ally Bank brings their digital banking expertise to mortgage refinancing, offering competitive rates with a streamlined online experience. Their straightforward approach and competitive pricing make them attractive for borrowers seeking simplicity and value in their refinancing journey.
✅ Key Features:
- ✅ Competitive digital rates
- ✅ Streamlined online application
- ✅ No application fees
- ✅ Existing customer benefits
- ✅ Transparent pricing
✅ Pros:
- Competitive rates
- Simple digital process
- No hidden fees
- Good customer service
❌ Cons:
- Limited loan products
- No physical branches
- Newer to mortgage market
🎯 Best For: Digital-first borrowers seeking competitive rates with straightforward, transparent processes.
🔍 What is Mortgage Refinancing?
Mortgage refinancing is the process of replacing your existing home loan with a new mortgage, typically to secure better terms, lower interest rates, or access your home's equity. When you refinance my mortgage, you're essentially paying off your original loan with proceeds from the new loan, which ideally offers improved financial benefits.
💡 Key Point: Refinancing can potentially save you thousands of dollars over the life of your loan, but it's important to calculate whether the benefits outweigh the costs.
The primary motivations for home refinancing include:
- Rate Reduction: Securing lower refinance interest rates to reduce monthly payments
- Term Adjustment: Changing from 30-year to 15-year terms or vice versa
- Cash Access: Using a cash-out refinance to tap into home equity
- Loan Type Change: Switching from adjustable-rate to fixed-rate mortgages
- PMI Removal: Eliminating private mortgage insurance when home value increases
📊 Types of Refinance Options
Rate-and-Term Refinance
The most common type of refinancing, where you replace your existing mortgage with a new loan that has different interest rates or terms. This option focuses on reducing your monthly mortgage payment or changing your repayment timeline without accessing equity.
Cash-Out Refinance
A cash-out refinance allows you to borrow more than your current mortgage balance and receive the difference in cash. This option is popular for home improvements, debt consolidation, or major purchases, leveraging your home equity refinance potential.
FHA Refinance Options
FHA refinance options include FHA Streamline Refinancing, which offers reduced documentation and faster processing for existing FHA borrowers, and FHA Cash-Out refinancing for accessing equity with FHA-insured loans.
VA Loan Refinance
VA loan refinance programs include the Interest Rate Reduction Refinance Loan (IRRRL) for streamlined refinancing and VA Cash-Out refinancing for accessing home equity, both exclusively available to eligible veterans and service members.
USDA Refinance
USDA refinancing options include Streamlined Assist and Streamlined refinancing for existing USDA borrowers in eligible rural areas, offering reduced documentation and competitive rates for qualifying properties.
| Refinance Type | Best For | Typical Rate Range | Cash Available |
|---|---|---|---|
| Rate-and-Term | Lower payments/rates | 6.0% - 7.5% | No |
| Cash-Out | Access equity | 6.2% - 7.7% | Yes |
| FHA Streamline | Existing FHA borrowers | 6.1% - 7.4% | No |
| VA IRRRL | Veterans rate reduction | 5.8% - 7.0% | No |
| USDA Streamline | Rural property owners | 6.0% - 7.3% | Limited |
💰 How to Calculate Your Refinance Savings
Using a refinance calculator is essential for determining whether refinancing makes financial sense for your situation. Here's a comprehensive approach to calculating your potential savings:
🧮 Basic Refinance Savings Formula:
Monthly Savings = Current Payment - New Payment
Total Interest Savings = (Current Total Interest) - (New Total Interest)
Break-Even Point = Total Closing Costs ÷ Monthly Savings
Step 1: Calculate Monthly Payment Difference
Compare your current monthly principal and interest payment with the projected payment from your new loan. Remember to factor in changes to property taxes, insurance, and PMI that might affect your total monthly housing payment.
Step 2: Determine Total Interest Savings
Calculate the total interest you'll pay over the remaining life of your current loan versus the total interest on the new loan. This gives you the long-term financial impact beyond monthly savings.
Step 3: Factor in Closing Costs
Refinance closing costs typically range from 2-6% of the loan amount. Include all fees such as:
- Origination fees (0.5% - 1.5% of loan amount)
- Appraisal fees ($300 - $700)
- Title insurance ($500 - $2,000)
- Recording fees ($50 - $300)
- Credit report fees ($25 - $50)
Step 4: Calculate Break-Even Point
Divide total closing costs by monthly savings to determine how many months it will take to recoup your refinancing costs. If you plan to stay in your home longer than the break-even period, refinancing likely makes sense.
💡 Pro Tip: Consider using multiple refinance calculator tools and getting quotes from several lenders to ensure accurate projections. Online calculators provide estimates, but actual loan terms may vary based on your credit profile and property specifics.
📈 Current Mortgage Rates for 2026
Understanding current mortgage rates 2026 trends is crucial for timing your refinancing decision. Economic factors, Federal Reserve policies, and market conditions continue to influence rate movements throughout the year.
| Loan Type | 30-Year Fixed | 15-Year Fixed | 5/1 ARM | Jumbo 30-Year |
|---|---|---|---|---|
| Conventional | 6.125% - 7.250% | 5.625% - 6.750% | 5.875% - 6.950% | 6.250% - 7.375% |
| FHA | 6.000% - 7.125% | 5.500% - 6.625% | N/A | N/A |
| VA | 5.875% - 7.000% | 5.375% - 6.500% | 5.750% - 6.825% | 6.000% - 7.125% |
| USDA | 5.950% - 7.075% | 5.450% - 6.575% | N/A | N/A |
Factors Affecting 2026 Mortgage Rates
- Federal Reserve Policy: Interest rate decisions and economic outlook statements
- Inflation Trends: Consumer Price Index and core inflation measurements
- Employment Data: Job market strength and unemployment rates
- Economic Growth: GDP growth rates and economic forecasts
- Global Events: International economic conditions and geopolitical factors
⚠️ Important Note: Mortgage rates can change daily or even multiple times per day. The rates shown are representative ranges based on current market conditions and may not reflect real-time pricing from specific lenders.
🎯 Who Should Refinance in 2026?
Refinancing isn't beneficial for everyone. Understanding whether you're a good candidate for home loan refinance depends on various personal and market factors:
Ideal Refinancing Candidates
- Rate Improvement Seekers: Borrowers who can reduce their current rate by at least 0.5-0.75%
- Credit Score Improvers: Homeowners whose credit scores have increased significantly since their original loan
- Equity Builders: Those with increased home values creating refinancing opportunities
- Payment Reducers: Borrowers seeking to lower mortgage payment amounts
- Term Adjusters: Homeowners wanting to change loan terms (30-year to 15-year or vice versa)
When to Consider Cash-Out Refinancing
A cash-out refinance might be appropriate for:
- Home improvement projects that add property value
- Debt consolidation at lower interest rates
- Educational expenses or investment opportunities
- Emergency fund establishment
- Investment property down payments
Who Should Wait to Refinance
- Recent borrowers (less than 2 years) unless significant rate drops occur
- Homeowners planning to move within 2-3 years
- Those with marginal credit improvements
- Borrowers near the end of their loan terms
- Properties with declining values
📊 Refinancing Rule of Thumb: Generally, refinancing makes sense if you can reduce your rate by at least 0.5% and plan to stay in your home for at least 2-3 years to recoup closing costs.
📋 Step-by-Step Refinancing Process
Understanding the home refinancing process helps you prepare effectively and avoid common delays. Here's a comprehensive walkthrough:
Step 1: Financial Preparation (1-2 weeks)
- Check your credit score and report
- Gather financial documents (pay stubs, tax returns, bank statements)
- Calculate your current loan balance and home value
- Determine your refinancing goals
Step 2: Shopping and Comparison (1-2 weeks)
- Research best refinance lenders 2026 options
- Obtain rate quotes from multiple lenders
- Compare loan terms, fees, and closing costs
- Read customer reviews and lender ratings
Step 3: Application Submission (1-3 days)
- Complete loan applications with chosen lenders
- Submit required documentation
- Pay application fees if required
- Lock in your interest rate
Step 4: Underwriting Process (2-4 weeks)
- Professional property appraisal
- Income and asset verification
- Credit and employment checks
- Loan file review and approval
Step 5: Closing Preparation (3-7 days)
- Review Closing Disclosure document
- Coordinate closing appointment
- Prepare closing funds if needed
- Final loan approval confirmation
Step 6: Closing and Funding (1 day)
- Sign loan documents
- Pay closing costs
- Receive new loan terms
- Original loan payoff processing
⏱️ Timeline Expectation: The complete refinancing process typically takes 30-45 days from application to closing, though some digital lenders can complete refinances in as little as 2-3 weeks for straightforward applications.
💳 Refinancing Costs and Fees
Understanding refinance closing costs is crucial for calculating the true value of your refinancing decision. These costs typically range from 2-6% of your loan amount.
Common Refinancing Fees
| Fee Type | Typical Cost | Description |
|---|---|---|
| Origination Fee | 0.5% - 1.5% of loan | Lender processing and underwriting |
| Appraisal Fee | $300 - $700 | Professional property valuation |
| Title Insurance | $500 - $2,000 | Protection against title issues |
| Attorney Fees | $500 - $1,500 | Legal document review and closing |
| Recording Fees | $50 - $300 | County/state document recording |
| Credit Report | $25 - $50 | Credit history verification |
No Closing Cost Refinance Options
Some lenders offer no closing cost refinance programs where closing costs are either:
- Rolled into the loan: Added to your principal balance
- Covered by higher rates: Lender pays costs in exchange for slightly higher interest rates
- Lender credits: Promotional offers covering standard closing costs
⚠️ Consider Carefully: While no-closing-cost options eliminate upfront expenses, they typically result in higher long-term costs through increased loan balances or interest rates.
Ways to Reduce Closing Costs
- Shop multiple lenders for competitive fee structures
- Negotiate with lenders, especially for origination fees
- Consider existing lender relationships for fee waivers
- Time your closing to minimize prepaid interest
- Review and question all fees on your Loan Estimate
❌ Common Refinancing Mistakes to Avoid
Avoiding these common pitfalls can save you money and frustration during your refinance my mortgage journey:
1. Not Shopping Around
Many borrowers accept the first offer they receive. Comparing rates and terms from multiple lenders can save thousands of dollars over the loan term.
2. Focusing Only on Interest Rates
While refinance interest rates are important, total costs including fees, points, and closing costs determine the true value of a refinancing offer.
3. Ignoring the Break-Even Analysis
Failing to calculate how long it takes to recoup closing costs through monthly savings can lead to refinancing decisions that don't make financial sense.
4. Extending the Loan Term Unnecessarily
Restarting a 30-year mortgage when you have 20 years remaining increases total interest costs, even with lower monthly payments.
5. Cash-Out Refinancing for Non-Essential Expenses
Using cash-out refinance for vacations, luxury purchases, or discretionary spending puts your home at unnecessary risk.
6. Poor Timing Decisions
Refinancing too frequently or at suboptimal market conditions can increase costs and reduce benefits.
7. Inadequate Documentation Preparation
Incomplete or delayed document submission can cause rate lock expirations and processing delays.
🎯 Success Tip: Work with experienced loan officers who can guide you through the process and help avoid these common mistakes while optimizing your refinancing strategy.
❓ Frequently Asked Questions
Most lenders require a minimum credit score of 620 for conventional refinancing, though the best mortgage rates are typically available to borrowers with scores of 740 or higher. Government-backed programs may accept lower scores.
Generally, you need at least 20% equity (80% loan-to-value ratio) for the best rates and terms. Some programs allow refinancing with as little as 5% equity, but may require mortgage insurance.
Yes, FHA refinance options include FHA Streamline Refinancing for existing FHA borrowers and conventional refinancing to remove mortgage insurance premiums.
Typical refinancing takes 30-45 days from application to closing. Digital lenders may complete straightforward refinances in 2-3 weeks, while complex situations may take longer.
15-year refinance rates are typically 0.25-0.75% lower than 30-year refinance rates, but monthly payments are significantly higher due to the shorter repayment period.
Yes, but investment property refinancing typically requires higher credit scores, lower loan-to-value ratios, and comes with higher interest rates compared to primary residence refinancing.
Most rate locks are binding, but some lenders offer "float-down" options that allow you to capture lower rates if they fall significantly before closing, usually for an additional fee.
Paying points makes sense if you plan to stay in your home long enough to recoup the upfront cost through lower monthly payments. Each point typically costs 1% of the loan amount and reduces rates by 0.125-0.25%.
Yes, but self-employed borrowers typically need to provide additional documentation including tax returns, profit/loss statements, and bank statements to verify income stability.
Most lenders limit cash-out refinance to 80% of your home's value for conventional loans, though some programs allow up to 90%. VA loans may allow up to 100% for qualified veterans.
Most refinances require a new appraisal to determine current home value. Some streamline programs (FHA Streamline, VA IRRRL) may waive this requirement.
Generally, you need to be current on mortgage payments to qualify for refinancing. Some loan modification programs may be available for borrowers experiencing financial hardship.
Common documents include recent pay stubs, tax returns, bank statements, insurance information, current mortgage statement, and property tax records.
There's no legal limit, but most lenders require at least 6 months of payment history on your current mortgage. Frequent refinancing may not be cost-effective due to closing costs.
Refinancing replaces your existing loan with a new one, while loan modification changes the terms of your current loan. Refinancing typically offers more flexibility but requires qualification for a new loan.
🎯 Conclusion: Making the Right Refinancing Decision in 2026
Choosing the right mortgage refinance lender in 2026 requires careful consideration of your financial goals, current market conditions, and individual circumstances. The best refinance lenders 2026 offer competitive rates, excellent service, and loan products that match your specific needs.
Whether you're seeking to lower mortgage payment amounts, access equity through a cash-out refinance, or switch to better loan terms, the lenders highlighted in this guide provide diverse options for different borrower profiles. From digital-first platforms like Rocket Mortgage and Better.com to traditional institutions like Chase and Bank of America, each offers unique advantages.
💡 Key Takeaways:
- Compare multiple lenders to find the best rates and terms
- Calculate your break-even point before committing to refinancing
- Consider total costs, not just interest rates
- Choose lenders that specialize in your loan type (conventional, VA, FHA)
- Prepare documentation thoroughly to avoid delays
For military members and veterans, VA loan refinance specialists like Veterans United and Navy Federal Credit Union offer unmatched expertise and competitive rates. High-income professionals may find premium service and rates with lenders like SoFi, while those seeking government-backed options should explore FHA refinance options with experienced lenders.
Remember that mortgage rates 2026 will continue to fluctuate based on economic conditions, making timing an important factor in your decision. Use refinance calculator tools to model different scenarios and consult with multiple lenders to understand your options fully.
🚀 Ready to Start? Begin your refinancing journey by checking your credit score, gathering financial documents, and requesting rate quotes from multiple lenders. The time you invest in research and comparison shopping can result in significant long-term savings.
The mortgage refinancing landscape in 2026 offers numerous opportunities for homeowners to optimize their financing. By understanding your options, working with reputable lenders, and making informed decisions based on thorough analysis, you can successfully navigate the refinancing process and achieve your financial objectives.
🔝 Back to Top📧 Disclaimer: This article provides general information about mortgage refinancing and should not be considered personalized financial advice. Interest rates, terms, and lender offerings change frequently. Always consult with qualified mortgage professionals and compare current rates before making refinancing decisions. APR ranges shown are representative and actual rates may vary based on credit score, loan-to-value ratio, and other factors.
