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How to refinance your mortgage

Thinking about refinancing? Great! HSH.com has everything you need to help you get your refinance underway. We will help you to know whether refinancing is right for your situation, show you how to compare and minimize refinancing...

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5 stages of a refinance

  • Should I refinance?

  • Step 1: Should I refinance?

    “Should I refinance,” or “does a refinance make sense for me” are likely the first questions you will ask yourself when considering a refinance. But they’re just the first. You’ll also be asking yourself:

    • Will my refinance save me money?
    • Do I have to refinance with my current lender?
    • What if I can’t refinance?

    To the answers to these questions and more, be sure to read "Does a mortgage refinance make sense?"

  • How to refinance

  • What does a refinance cost?

  • 12 ways to get the lowest mortgage refinance rates

  • 8 common refinance mistakes

Current mortgage rates

Time range: 1m 3m 6m

Loan Current Previous
30 Year Fixed * 3.78 3.86
15 Year Fixed * 3.08 3.16
5/1-year ARM * 3.15 3.17
Source: Freddie Mac

Refinance Questions

Can’t find the answer you need?

Home Affordable Refinance Program (HARP)

The Home Affordable Refinance Program (HARP) is a federal refinance program targeting underwater homeowners. First announced in March 2009, HARP is designed for homeowners who are current on their mortgage payments, but who haven't been able to refinance because they have limited equity, no equity or negative equity in their homes.

Thousands of homoneowners are still eligible to refinance under HARP. Are you one of them?

Making Home Affordable offers two plans for troubled homeowners. The Home Affordable Refinance Program, or HARP, allows underwater homeowners to...

The HARP refinance program for troubled or underwater homeowners will come to an end in 201, but a new streamline refinance program will takes...

We wish the answer to your question was simple and straightforward, but...