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Figure Refinance Rates
Min. credit score: 640 · Min. equity: 20%
30-Year Refi
6.480%
APR 6.630%
15-Year Refi
5.780%
APR 5.930%
Cash-Out Refi
6.630%
APR 6.780%
Jumbo Refi
6.580%
APR 6.730%
VA IRRRL
5.880%
APR 6.030%
FHA Streamline
6.130%
APR 6.280%
vs. National Average
National Avg (30yr)
6.990%
Figure Difference
-0.510%
Figure Pros & Cons
Pros
- Competitive refinance rates
- Multiple loan types
- Nationwide availability
- Online application
Cons
- Terms vary by credit profile
- Closing costs apply
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Frequently Asked Questions
What is Figure's current refinance rate?+
Figure's current 30-year refi rate is 6.48%, 15-year is 5.78%, and cash-out rate is 6.63%. Rates may vary based on credit score and loan amount.
What credit score do I need to refinance with Figure?+
Figure requires a minimum credit score of 640 for most refinance products. Higher scores qualify for better rates.
Does Figure offer cash-out refinancing?+
Yes, Figure offers cash-out refinancing at 6.63% for qualified borrowers with at least 20% equity remaining after the refinance.