Homes

Owning a home is a big financial commitment, but with Bankrate in your corner, you can confidently navigate the ins and outs of homeownership, from mortgages and real estate to insurance and home equity.

Compare your borrowing options

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Weekly mortgage rates

Bankrate consistently has offers well below the national average to help you fund your home for less.

Bankrate Average

6.40%APR

30-year fixed

VS

National Average

6.87%APR

30-year fixed

Refinance

A new loan to replace your current mortgage, likely with a lower rate or different term.

Features
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    No effect on home equity

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    Can lower interest rate

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    No access to cash

Today’s refinance rates
Cash-out refinance

A lump sum of cash taken out of your home equity, paid back through your new mortgage payment.

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    Secured by home equity

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    Higher borrowing limits

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    No extra monthly payment

Today's cash out rates
Home equity loan

A loan that’s taken out of your home equity, but is paid back as a separate monthly payment.

Features
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    Secured by home equity

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    Access a lump sum of cash

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    No effect on mortgage

See home equity rates
Home equity line of credit

A line of credit that’s borrowed from your home equity, and works more like a credit card.

Features
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    Secured by home equity

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    Common for home projects

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    Use what you need

See HELOC rates

Compare the cost of home insurance

Understanding home insurance rate trends may be integral in finding a policy that fits your needs. Take a look at the chart below to compare average homeowners insurance rates for $250K in dwelling coverage from 2021 to today.

Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit, and $250k in dwelling coverage.

Ready for your rates?

While the rates shown are a helpful starting point, they’re no substitute for personalized quotes. Answer a few questions to start your quotes in 3 minutes or less.

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