Refinance Smarter. Keep More of Your Money.
Track refinance rates, cash-out equity, break-even points, and program changes — free alerts, no pressure, no credit pull.
Catch Rate Drops
Refinance rates move daily. We alert you when they fall far enough to beat your current rate so you know the moment it pays to refinance.
Cash-Out & Equity Updates
Home values and cash-out rules shift. We track how much equity you can tap and when a cash-out refinance makes sense.
Program & Closing-Cost Alerts
From FHA Streamline to VA IRRRL and no-closing-cost options, be first to know when a cheaper way to refinance opens up.
Explore Refi Rate Guide
Refinance Rates
Savings, cash-out, and limits for every state and county.
Programs
Rate-and-term, cash-out, FHA/VA streamline, HELOC, recast.
How to Refinance
Equity, credit, DTI, appraisal, costs, and timeline.
Calculators
Savings, break-even, cash-out, and closing costs.
Rate Guide
What moves rates and how to time your lock.
Your Situation
Low equity, bad credit, self-employed, after forbearance.
Your Free Refinance Rate Watch
One quick signup and we keep you posted on rate drops, cash-out opportunities, and program changes.
Frequently Asked Questions
- What is Refi Rate Guide?
- A free notification and education service that alerts you to refinance rate drops, cash-out opportunities, and program changes. We are not a lender or government agency.
- Is it really free?
- Yes. Joining the Refi Rate Guide alerts is free and takes less than 30 seconds.