How We Get Paid

We want this to be a “win-win” situation. So we only want to get paid if we bring you value in the form of finding a personal finance option that works for you. Not by selling your data. We are a wholesale broker, meaning we have access to rates our mortgage lenders offer solely to brokers they work with. Generally, our lenders pay us and incorporate the cost of our services as part of the final interest rate on your loan, or in your loan amount. This is common practice in mortgage transactions where you choose for the lender to pay your broker’s fee upfront. If you would prefer to minimize your rate, you may opt to buy "points" to decrease your rate, or pay our broker compensation yourself. Please talk to one of our licensed loan officers to explore your options.

30 year fixed refinance rates

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How it works

How to find the right mortgage refinance loan for you

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Checking rates won’t affect credit score

  1. Get prequalified rates in 3 minutes:

    It's quick and painless. Tell us a little bit about you and your home to get accurate prequalified rates without impacting your credit score.

  2. Compare rates from multiple lenders:

    View the interest rate and cost breakdown of each loan to choose the best lender and loan product for you. Need help? Our mortgage team is not commissioned, so they're always on your side.

  3. Upload documents on Credible:

    We take the stress out of refinancing by automating the document collection process, keeping you updated on the status of your application every step of the way.

  4. Finish your loan with us:

    With Credible, you can complete the whole refinance process online. We have a team of dedicated mortgage experts ready to help you if you need it.


What is a 30-year mortgage refinance

With a 30-year mortgage refinance, you take out a new loan for the amount of your current mortgage and use it to pay off your existing debt. The new mortgage has different repayment terms, including interest rate, monthly payment, and a 30-year term.


Advantages of a 30-year fixed mortgage refinance rate

  1. Lower interest rate

    When you refinance, you might be able to qualify for a lower interest rate on your mortgage. Over time, that lower rate can help you save money.

  2. Smaller monthly payment

    If you opt for a 30-year loan term, you might be able to reduce your monthly payments, giving yourself more breathing room in your budget.

  3. Rate stability

    30-year fixed mortgage rates never change. That can be a big relief when compared to adjustable-rate mortgages (ARMs), which can fluctuate a great deal.

Find Out: 

What Is a Mortgage Rate and How Do They Work?


Disadvantages of a 30-year fixed mortgage refinance rate

  1. Total repaid

    With a longer loan term, there’s more time for interest to accrue. Over the length of your loan, you might pay more in interest charges than you would with a shorter refinancing term.

  2. Closing costs

    Like your original mortgage, refinancing a mortgage comes with closing costs which could add up to thousands of dollars.


How to get the best rate for a 30-year fixed mortgage refinance

If you want to refinance your home mortgage to a 30-year refinance loan to take advantage of lower interest rates, compare rates from multiple lenders before submitting your application. Interest rates and loan terms can vary widely from lender to lender, so use Credible to compare mortgage rates from several lenders at once.

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When is the right time to refinance?

If your credit has improved since you originally took out a mortgage, or if the market has changed and interest rates have decreased, refinancing your 30-year fixed mortgage can be a smart decision. You can qualify for a lower interest rate, allowing you to save thousands over the length of your loan.


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