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Rate (Guaranteed Rate) Refinance Rates
Min. credit score: 620 · Min. equity: 20%
30-Year Refi
6.430%
APR 6.580%
15-Year Refi
5.680%
APR 5.830%
Cash-Out Refi
6.680%
APR 6.830%
Jumbo Refi
6.555%
APR 6.705%
VA IRRRL
5.805%
APR 5.955%
FHA Streamline
6.055%
APR 6.205%
vs. National Average
National Avg (30yr)
6.930%
Rate (Guaranteed Rate) Difference
-0.500%
Rate (Guaranteed Rate) Pros & Cons
Pros
- Competitive refinance rates
- Multiple loan types
- Nationwide availability
- Online application
Cons
- Terms vary by credit profile
- Closing costs apply
Calculate Your Savings with Rate (Guaranteed Rate)
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Frequently Asked Questions
What is Rate (Guaranteed Rate)'s current refinance rate?+
Rate (Guaranteed Rate)'s current 30-year refi rate is 6.43%, 15-year is 5.68%, and cash-out rate is 6.68%. Rates may vary based on credit score and loan amount.
What credit score do I need to refinance with Rate (Guaranteed Rate)?+
Rate (Guaranteed Rate) requires a minimum credit score of 620 for most refinance products. Higher scores qualify for better rates.
Does Rate (Guaranteed Rate) offer cash-out refinancing?+
Yes, Rate (Guaranteed Rate) offers cash-out refinancing at 6.68% for qualified borrowers with at least 20% equity remaining after the refinance.