Best Mortgage Refinance Lenders in the US 2026
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- ✓ Independent rankings
- ✓ Real user reviews
- ✓ Updated monthly
The best mortgage refinance lenders of 1970
Ranked using our independent 5-factor methodology.
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Frequently asked questions
›What credit score do I need to refinance?
Most lenders require a minimum credit score of 620 for conventional refinancing, though FHA streamline programs may accept 580. The best rates go to borrowers with 740+ scores.
›How much can I save by refinancing?
On a $300,000 mortgage, dropping your rate by 1% typically saves ~$180/month and $65,000 over the life of the loan. Use our calculator to model your exact savings.
›What documents do I need to refinance?
You will need recent pay stubs, W-2s, two years of tax returns, bank statements, current mortgage statement, and proof of homeowners insurance.
›How long does refinancing take?
Most refinances close in 30–45 days. Digital-first lenders like Rocket Mortgage can close in as few as 21 days.
›Are the rates on this page real?
Yes. Rates are pulled from lender partners and updated weekly. Your actual rate depends on credit score, LTV, and property type.