오늘의 모기지 재융자 금리
12개 대출기관 재융자 금리 비교 — 매일 업데이트
기준일 2026-04-28 · 출처: 연방준비제도 (FRED)
30-Year Fixed Refi
6.850%
APR7.000%
Points0.0
vs last week-9 bps
Updated: 2026-04-28
15-Year Fixed Refi
6.170%
APR6.320%
Points0.0
vs last week+1 bps
Updated: 2026-04-28
5/1 ARM Refi
6.200%
APR6.350%
Points0.0
vs last week-11 bps
Updated: 2026-04-28
Cash-Out Refi
7.100%
APR7.250%
Points0.0
Updated: 2026-04-28
90-Day Refi Rate Trend · Source: Federal Reserve Economic Data (FRED)
재융자 대출기관 비교
오늘의 최저 재융자 금리
| 대출기관 | 30yr Refi | 15yr Refi | Cash-Out | VA IRRRL | 신청하기 |
|---|---|---|---|---|---|
| 🏘PennyMac | 6.255% | 5.430% | 6.505% | 5.630% | 신청하기 |
| 🏦AmeriSave | 6.280% | 5.530% | 6.530% | 5.680% | 신청하기 |
| ✨Better Mortgage | 6.305% | 5.555% | 6.555% | 5.680% | 신청하기 |
| 💎SoFi | 6.305% | 5.555% | 6.555% | 5.680% | 신청하기 |
| 🗽Freedom Mortgage | 6.305% | 5.555% | 6.430% | 5.555% | 신청하기 |
| 🏡NewRez | 6.380% | 5.630% | 6.630% | 5.755% | 신청하기 |
| 🔄CrossCountry Mortgage | 6.380% | 5.630% | 6.580% | 5.730% | 신청하기 |
| 🚀Rocket Mortgage | 6.420% | 5.680% | 6.680% | 5.805% | 신청하기 |
| 🏠LoanDepot | 6.430% | 5.680% | 6.680% | 5.805% | 신청하기 |
| 📊Rate (Guaranteed Rate) | 6.430% | 5.680% | 6.680% | 5.805% | 신청하기 |
| 📐Figure | 6.480% | 5.780% | 6.630% | 5.880% | 신청하기 |
| 🌱Spring EQ | 6.530% | 5.805% | 6.680% | 5.930% | 신청하기 |
Should You Refinance?
Use our free calculator to see your monthly savings and break-even point.
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Lower Your Rate
Current avg: 6.85% — if you have a higher rate, it may be time to refi
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Cash-Out Options
Tap your home equity at 7.10% for improvements or debt consolidation
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Break-Even Analysis
See exactly how many months to recoup your closing costs
Frequently Asked Questions About Refinancing
Should I refinance my mortgage in 2026?+
Refinancing makes sense if you can lower your rate by at least 0.5%-1%, you plan to stay in the home long enough to recoup closing costs (break-even), and your credit and equity qualify you for a better rate.
How do I calculate my refinance break-even point?+
Divide your total closing costs by your monthly savings. For example, $5,000 closing costs ÷ $200 monthly savings = 25 months to break even. If you plan to stay longer, refinancing likely makes sense.
What is the difference between rate-and-term and cash-out refinance?+
Rate-and-term refinancing changes your rate or loan length without taking extra cash. Cash-out refinancing lets you borrow more than you owe and receive the difference — useful for home improvements or debt consolidation.
What credit score do I need to refinance?+
Most conventional lenders require a 620+ credit score to refinance. For the best rates, aim for 740+. FHA streamline refinance may allow lower scores if you already have an FHA loan.
How much equity do I need to refinance?+
Most lenders require at least 20% equity for a conventional refi to avoid PMI. For cash-out refinancing, lenders typically limit you to 80% LTV (20% equity remaining). VA and FHA loans may allow refinancing with less equity.
What are typical refinance closing costs?+
Refinance closing costs typically run 2%-5% of the loan amount, or $4,000-$10,000 on a $300,000 loan. Costs include origination fees, appraisal, title insurance, and prepaid items.