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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 costs, teach you different strategies to achieve your goals and even help you locate lenders to handle your new mortgage. Using our articles, tools and calculators, you'll feel confident that you are getting the best possible deal for your circumstance.


Should I refinance?
How to refinance
Cost of refinance
Best refinance rates
Refinance problems

Does a mortgage refinance make sense?

The answer to the common question, "does a mortgage refinance make sense?" largely depends on your goals for your new mortgage and how long you plan to stay in your home.

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How to refinance your mortgage

In this situation of overall moderate growth and little inflation, will mortgage rates still find space to rise? Probably, but not by very much.

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What does a refinance cost?

There’s no such thing as a free refinance. Just as with a purchase mortgage, you will have to pay closing costs when refinancing your home loan.

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12 ways to get the lowest mortgage refinance rates

To get the lowest mortgage refinance rates, first prepare your finances and then shop for interest rates with certain strategies in mind.

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8 common refinance mistakes

Don't ruin your chances at refinancing by making one of these common mistakes.

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Refinance mortgage rates

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After to determine the goal of your refinance, deciding whether that goal makes sense (or not), given your personal situation, depends on a... Read more »

To get the lowest mortgage refinance rates, first prepare your finances and then shop for interest rates with certain strategies in mind. Here are 12... Read more »

You should know that lenders are free to do their own "overlays" as to which programs and borrower criteria they will write loans for. Read more »

Over 800,000 households are still eligible to refinance under the federal HARP program. Are you one of them? Read more »

Refinance lenders

30 Yr. Fixed
4.009% APR
3.875% Rate
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  • $1,000 Best Rate Guarantee
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30 Yr Fixed
4.870% APR
4.750% Rate
  • We close our loans FAST - many in 30 days or less!
  • Rates are still incredibly low! Lock in a low rate and payment today.
  • Why pay more for your home than you have to? Check out rates now.
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30 Yr Fixed
4.870% APR
4.750% Rate
  • Fast, Powerful and Completely Online
  • Get an approval to buy a home or refinance your mortgage in minutes.
  • Save time & avoid paperwork by sharing your financial info instantly.
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Mortgage rates tailored for you
  • Free mortgage rate quotes
  • Compare rates from up to 5 lenders
  • Select the personalized loan program that suits you best
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  • Fixed Mortgage Rates
  • Lower Refinance Rates, 15yr Fixed
  • (2.88% APR)
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Virginia Interest Rates as low as 3.13% (3.17APR)
  • Get your Free Quote in Minutes!
  • Lenders Compete for your Business
  • Do you have the Lowest Rate Possible? Find Out Instantly!
  • Lock in a Low Fixed Rate Before Rates Increase!
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Virginia VA Benefit Survey
Check your VA housing benefit eligibility here! You could be eligible for zero down financing up to $417,000.
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Compare mortgage refinance rates now and save

Refinance rates from 3.007% APR*

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