Mortgage
Compare Mortgage Refinance Rates and Lenders Using Comparison Junction
Whether you're refinancing your current loan or buying a new home, even a small rate difference saves tens of thousands over the life of a mortgage. Compare and lock in the right rate.
- Purchase, refinance, and HELOC compared
- Licensed lenders only — no rate-bait
- Soft credit pull — no score impact upfront
$20K+
Saved by 0.25% on a $400K 30-yr loan
3+
Licensed lenders quoted side by side
0 pts
Soft credit pull — no score impact
$0
To compare — always free
Why Refinance Your Mortgage?
On a $400,000 30-year mortgage, a 0.25% rate difference is over $20,000 in interest over the life of the loan. Yet most borrowers get quotes from just one or two lenders. Shopping multiple lenders is one of the highest-ROI things you can do.
Our platform pulls rates from licensed lenders, normalized to the same loan terms so you can actually compare. We also factor in lender fees and discount points — the headline rate isn't the whole story.
The rate is only half the story
Lenders advertise the lowest possible rate, then make it back on origination fees, discount points and closing costs. Compare on the teaser rate alone and the cheapest headline can quietly become the most expensive loan.
We normalize every quote to the same loan terms and surface the APR — rate plus fees — so you compare what you'll actually pay, not what gets you in the door.
APR, not just the rate
We surface the APR — interest rate plus origination fees and discount points — so two offers are finally comparing the same thing.
Fees out in the open
Origination charges, points, appraisal and closing costs are itemized before you commit, so the lowest headline rate can't hide a fee-heavy loan.
Licensed lenders only
Every quote comes from a vetted, licensed lender — no rate-bait, no bait-and-switch from teaser numbers that vanish at application.
Fixed-rate vs adjustable-rate — which fits you?
The two ways a mortgage handles interest over time. We weigh both against how long you'll stay and your tolerance for a payment that can move.
Fixed-rate
One interest rate for the entire term — your principal-and-interest payment never changes.
- Predictable payment that's identical month one and year 30
- Immune to rising rates once you've locked
- Simplest to budget around for long-term ownership
- Refinance later if rates drop — you're never stuck
Best for: Buyers planning to stay put for years who want payment certainty.
Adjustable-rate (ARM)
A lower fixed rate for an intro period, then it adjusts with the market on a set schedule.
- Lower intro rate than a comparable fixed loan
- Fixed for an intro term (often 5, 7 or 10 years)
- Rate caps limit how far each adjustment can move
- Strong fit if you'll sell or refinance before it adjusts
Best for: Borrowers who'll move or refinance before the intro period ends.
Check Today's Mortgage Refinance Rates
Sample refinance rates by loan type — submit a quote for live pricing tailored to your credit profile and loan terms.
LightStream
4.7
Personal Loan
Up to 84 months
- No fees, no prepayment penalty
- Same-day funding available
- Loans up to $100,000
SoFi
4.5
Personal Loan
Up to 60 months
- No origination fees
- Member discounts
- Unemployment protection
Marcus by GS
4.4
Fixed Rate Loan
Up to 72 months
- No fees ever
- Customize your payment date
- Skip a payment option
How The Mortgage Refinance Process At Comparison Junction Works
- 1
Share Loan Details
Purchase price or current balance, down payment, loan type — the basics lenders need to quote.
- 2
Soft Credit Pre-Qual
Initial quotes use a soft pull that doesn't affect your credit. Full applications come later for the lender you choose.
- 3
Compare All-In Cost
We surface the APR (rate + fees), monthly payment, and total interest over the loan — not just the headline rate.
- 4
Lock & Close
Once you pick a lender, you lock the rate and proceed to closing. Typical refi closes in 30-45 days; purchase in 30-60.
Why Comparison Junction
Why compare mortgages with Comparison Junction
Mortgage pricing is built to confuse — teaser rates, hidden points and fees that move the real cost. We make the APR, the fees and the total interest clear, so the cheapest quote is genuinely the best loan.
Featured
Lower your total interest
We line up licensed lenders on the same terms and surface the one that costs the least over the life of the loan — not just the lowest teaser rate.
Smart comparison preview
Every fee disclosed
Origination charges, discount points, appraisal and closing costs are spelled out before you lock, so the APR you compare is the cost you'll actually pay.
One form, many quotes
Fill out your details once and we shop multiple lenders for you — no calling around, no repeating yourself to five loan officers.
Expert loan matching
A real advisor helps you weigh fixed vs adjustable, purchase vs refinance, and points vs no-points — independent guidance, not a sales pitch.
No score impact upfront
Pre-qualification uses a soft credit pull, so you can compare real rates without dinging your score. A hard pull only happens when you apply.
Apples-to-apples quotes
We normalize offers to the same loan amount and term, so a difference in rate is a real difference in cost — not a difference in assumptions.
Here's what our customers have to say
“Michael went above and beyond to answer all my questions and helped make the process very easy.”
Michael Tennant
“Daniel was knowledgeable, patient, and helped reduce my electric bill stress completely.”
Lisa M
“Jack walked me through the process and helped me find one of the best rates available.”
Sylvia Nambassa
“Stewart explained everything clearly and showed me how I could save money on future bills.”
Carleton
Is Refinancing An Ideal Choice For You?
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Disclaimer: All trademarks remain the property of their respective owners, and are used by Comparison Junction only to describe products and services offered by each respective trademark holder. All trademarks remain the property of their respective owners and are used solely to describe products and services offered by their respective trademark holders. Comparison Junction may receive compensation from providers for qualified enrollments or completed services. Savings and availability vary based on market conditions, provider availability, customer usage, and geographic location.