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Refinance mortgage, refinancing home loans and should I refinance at this time?

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Should I refinance my mortgage?

Looking to save money on your mortgage? Consider refinancing or making more payments.

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Find a Refinance Mortgage rate
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Find a Mortgage rate
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2.
Loan amount:
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3. Select a product:
Refinance Calculators»

Best Markets And Mortgage Rates

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Top 5 hot markets

These cities had the biggest home value gains over the past year, according to the NAR.

See how the nation faredHome values: 5 worst marketsRates rise for 3rd week in a row
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ByDon Taylor, Ph.D., CFA, CFP
Dr. Don»
Don Taylorrefinance
Refi hopes look bright
Owning a first home free and clear should boost the odds of getting a refinance on a second home.
View more Bankrate Advisers »
How Do I?»
Question mark
How do I: Points or rate?
Follow these tips to determine if it's worth paying points to get a lower rate.
View more How do I's »

Housing Trends This Spring

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5 spring housing trends

A livelier housing market blooms and cash-out refis return. See what else this spring offers.

Win when selling your 1st home5 home-selling tips this springInspect your future neighborhood
Refinance News This Week»
When not to refi
Even if you can refi to a lower rate and payments, you still may want to avoid it. Here's why.
Not easy to refi a rental
The time to refi is before you move out and get a tenant. But what if you do it backward?
Should you refinance?
As mortgage rates plunge, it becomes more tempting to refinance. But does it make sense?
Cash-out refi or HELOC?
You can use home equity to raise cash in several ways. Each has its perks and pitfalls.
More refinance stories »
Interest Rate Trends & Analysis»
Compare Rates
Interest Rate Roundup
See rates from our survey of CDs, mortgages, home equity products, auto loans and credit cards.

Mortgages
Mortgages keep rising
As mortgage rates keep rising, you can point a finger at the Fed for some ill-timed words.

Tracking Rates
Graph rate trends
COFI, LIBOR, prime rate
Your Best Interest Report
Federal Reserve Coverage
Click for the best Mortgage rates in your state
Compare Mortgage Rates»
Fixed Rates
Adjustable Rates (ARMs) and Interest Only (IOs)
About this index
Mortgage Overnight Averages
Product Rate +/- Last week
30 yr fixed mtg
3.73% 3.65%
15 yr fixed mtg
2.85% 2.79%
5/1 ARM
2.60% 2.59%
30 yr fixed mtg refi
3.72% 3.64%
View rates in your area:
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Feeling lost in the mortgage wilderness?

Let Bankrate's Mortgage Analysis be your GPS. This newsletter tracks our exclusive mortgage features, rates and tools. Delivered Thursdays.
 
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By Judy Martel
Mortgages »
Realtors get a boost in pay
Another indicator of an improving housing market: Realtor income is up.
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