{"id":24661,"date":"2026-04-27T01:32:06","date_gmt":"2026-04-27T01:32:06","guid":{"rendered":"https:\/\/thefundspros.com\/?p=24661"},"modified":"2026-04-27T01:32:07","modified_gmt":"2026-04-27T01:32:07","slug":"how-to-get-the-best-refinance-rate","status":"publish","type":"post","link":"https:\/\/thefundspros.com\/?p=24661","title":{"rendered":"How To Get The Best Refinance Rate"},"content":{"rendered":"<div>\n<div id=\"block_585980f39e165bbfb7420c97eca3d950\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Refinancing your mortgage may make sense if you can reduce the interest rate by at least half a percentage point.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Improving your credit score is one way to get the best mortgage refinance rate.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You can also consider buying discount points or paying your closing costs upfront to reduce the interest rate.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Watching mortgage rate movement has turned into a waiting game for millions of homeowners looking to refinance. Mortgage rates have risen from their 2026 low of 6.09%, though they remain below the 7% levels seen in early 2025. That said, if your current mortgage is locked in at a higher rate, a dip could make refinancing worth exploring.<\/p>\n<p>Homeowners may consider refinancing if they can lower their rate by at least half a percentage point, or ideally closer to a full percentage point, says Ted Rossman, financial analyst at Bankrate. \u201cThe tactic makes the most sense if you have a high mortgage balance and plan to stick around a while, since refinancing costs money and the process can be cumbersome,\u201d he says.\u00a0\u00a0<\/p>\n<p>The main aim of a refi, after all, is to lower your monthly mortgage payment and pay less interest over the loan term. Here are some strategies on how to shop for the best refinance rates.\u00a0<\/p>\n<h2 data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to get the best refinance rate\" data-outcome=\"\">How to get the best refinance rate<\/h2>\n<p>Each of these steps can steer you toward a refinance rate that lowers your monthly payments. Keep in mind that approval and your actual rate offer will also depend on your home, location and current mortgage rate trends.<\/p>\n<h3 id=\"improve-credit-score\">1. Improve your credit score<\/h3>\n<p>A better credit score generally means lower rates. One of the quickest ways to improve your credit score is to correct errors on your credit report. Even small mistakes can drag down your score. Other strategies, like tackling large credit card balances or making payments on time, may take longer but are also highly effective.\u00a0<\/p>\n<p>\u201cIf there is room for improvement, increasing your score or reducing other debts might help you secure better rates or loan terms when you refinance,\u201d says Stephen Kates, Bankrate financial analyst.\u00a0<\/p>\n<h3 id=\"compare-rates\">2. Compare refinance rates<\/h3>\n<p>To score the cheapest refinance rates, compare as many mortgage offers as possible. Even a fractional difference can save you thousands.<\/p>\n<p>When you compare interest rates, also consider the APR, or annual percentage rate, which encompasses annual fees and gives you a better idea of the true cost. You may find that the mortgage refi lender with the lowest advertised rate has higher fees and closing costs that actually make the loan\u2019s APR higher than those of competitors.<\/p>\n<p>Rossman suggests shopping around aggressively. \u201cDon\u2019t settle for average,\u201d he says. \u201cYou can beat the average rate by at least half a percentage point if you shop for the best deal and have a strong credit score.\u201d<\/p>\n<h3 id=\"buy-points\">3. Buy points to get the lowest refinance rates<\/h3>\n<p>With mortgage points, you pay the lender upfront for a lower rate over the life of the loan. One point is equal to 1% of the loan amount.\u00a0<\/p>\n<p>\u201cBuying points can make sense when you plan to keep the mortgage long enough to recoup the upfront cost,\u201d says Kates. \u201cThe key question is whether the monthly and total interest savings will exceed the upfront cost before you move, refinance or pay off the loan.\u201d<\/p>\n<p>Lenders offer a variety of ways to buy points when refinancing. When comparing offers, always ask lenders to show you options with and without points to see which one makes the most sense.<\/p>\n<h3 id=\"determine-best-term\">4. Determine which loan term is best<\/h3>\n<p>Shopping for a mortgage refinance \u2014 or comparing any loan \u2014 is about striking a balance between affordability and long-term savings.\u00a0<\/p>\n<p>Shorter loans, such as a 10-year fixed or 15-year fixed, carry lower rates than longer loans, help you build equity faster and save thousands of dollars in interest. The tradeoff is much higher payments, which can be problematic if your financial situation changes, like losing your job.\u00a0<\/p>\n<p>Choosing a longer term, like a 30-year mortgage, will lower your monthly payments and offer you more breathing room month to month. However, you will pay more in interest over the life of the loan.\u00a0<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table wrapped\">\n<tbody>\n<tr>\n<td><strong>Loan term<\/strong><\/td>\n<td><strong>Loan amount<\/strong><\/td>\n<td><strong>Interest rate (APR)<\/strong><\/td>\n<td><strong>Monthly payment<\/strong><\/td>\n<td><strong>Total interest paid<\/strong><\/td>\n<\/tr>\n<tr>\n<td>30 years<\/td>\n<td>$300,000<\/td>\n<td>6.00%<\/td>\n<td>$1,799<\/td>\n<td>$347,515<\/td>\n<\/tr>\n<tr>\n<td>20 years<\/td>\n<td>$300,000<\/td>\n<td>6.00%<\/td>\n<td>$2,149<\/td>\n<td>$215,728<\/td>\n<\/tr>\n<tr>\n<td>15 years\u00a0<\/td>\n<td>$300,000<\/td>\n<td>6.00%<\/td>\n<td>$2,532<\/td>\n<td>$155,683<\/td>\n<\/tr>\n<tr>\n<td>10 years<\/td>\n<td>$300,000<\/td>\n<td>6.00%<\/td>\n<td>$3,330<\/td>\n<td>$99,627<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n<div class=\"Callout-content text-gray-900 text-left wysiwyg m-0\">\n        Along with your regular monthly payment, homeownership comes with unforeseen costs that can add up. Forty-two percent of homeowners who have regrets about a home purchase cite maintenance and other hidden costs being more expensive than expected as a regret, according to Bankrate\u2019s 2025 Homeowner Regrets Survey. Keep in mind the whole picture of home affordability when choosing your loan term.<\/p><\/div>\n<\/p><\/div>\n<h3 id=\"choose-a-fixed-rate\">5. Choose a fixed interest rate<\/h3>\n<p>Many homeowners will choose a <u>15- or 30-year loan<\/u> when they refinance, but they still need to decide between a fixed or a variable interest rate. <\/p>\n<p>With a variable or <u>adjustable-rate mortgage (ARM)<\/u>, the interest rate changes at predetermined intervals based on the market and a margin determined by the lender. So, while your interest rate can decrease at those times, it can also increase substantially \u2014 making a fixed-rate loan generally less risky and easier to qualify for than an ARM.<\/p>\n<p>A fixed-rate loan stays the same for the loan\u2019s duration and can help consumers budget more easily. But if you only plan to live a few years in your home or expect to move before your loan is repaid, an ARM can be the better move.<\/p>\n<h3 id=\"consider-the-amount\">6. Consider the loan amount<\/h3>\n<p>When crunching the numbers, look beyond the immediate cost and consider the long-term financial impact of your loan. For example, a homeowner financing a $250,000 home at a 6% interest rate over 30 years with a 10% down payment would pay about $1,349 per month. By increasing the down payment to 20%, it lowers the monthly payment to roughly $1,199.<\/p>\n<p>Borrowers need to fully understand the terms of their mortgage loan, as well. Utilize online calculators to help make decisions and find a mortgage that best suits your needs.<\/p>\n<h3 id=\"closing-costs\">7. Pay closing costs upfront<\/h3>\n<p>The closing costs you\u2019ll pay vary by lender, loan amount and location, but it\u2019s generally 2% to 5% of the new loan amount. So, if you want to refinance a $400,000 home loan, you\u2019ll typically pay between $8,000 and $20,000 in closing costs. You may be able to negotiate these expenses to some extent.<\/p>\n<p>Some lenders offer to roll closing costs into the loan, but there\u2019s a catch. You\u2019ll likely have to pay a higher interest rate to secure a no-closing-cost refinance loan, which means your mortgage payment will be higher. Furthermore, you\u2019ll pay the lender more in interest because you\u2019ll be paying interest on these closing costs over the loan term.<\/p>\n<p>To illustrate, the lender could offer to refinance your $400,000 home loan with a 30-year term at 6% APR, charging you $13,000 in closing costs. Or you could get a no-closing-cost refinance with the same loan term, but with a 6.5% APR.<\/p>\n<p>If you go with the refinance that has the lower interest rate, you\u2019ll pay $1,919 per month in principal and interest and $370,682 in interest for the loan\u2019s duration. But if you opt for zero closing costs, your monthly mortgage payment will increase to $2,023, and you\u2019ll pay a total of $407,182 in interest.<\/p>\n<h2 id=\"worth-it\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How do I know if my refinance rate is worth it?\" data-outcome=\"\">How do I know if my refinance rate is worth it?<\/h2>\n<p>If you can bring your mortgage rate down by a half to a full percentage point, refinancing is often a good move. But deciding whether a refinance shouldn\u2019t just be about lowering your rate. What really matters is whether a refinance saves you more money than it costs. If the math works out so that you break even in a few years and your payment drops enough to make a real difference, the rate is probably worth it.<\/p>\n<h2 id=\"faq\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQ about getting the best refinance rate\" data-outcome=\"\">FAQ about getting the best refinance rate<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-can-i-negotiate-for-a-lower-refinance-rate', 'heading-can-i-negotiate-for-a-lower-refinance-rate']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-can-i-negotiate-for-a-lower-refinance-rate')\" :aria-controls=\"$id('panel-can-i-negotiate-for-a-lower-refinance-rate')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I negotiate for a lower refinance rate?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-can-i-negotiate-for-a-lower-refinance-rate')\" :aria-labelledby=\"$id('heading-can-i-negotiate-for-a-lower-refinance-rate')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Since mortgage rates aren\u2019t set in stone, it\u2019s often worth the effort to negotiate. Start by getting estimates from three to five lenders and compare the interest rates, APRs, closing costs\/fees and other expenses. Then, use the offers as leverage to negotiate your rate and costs.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-are-the-current-mortgage-refinance-rates', 'heading-what-are-the-current-mortgage-refinance-rates']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-are-the-current-mortgage-refinance-rates')\" :aria-controls=\"$id('panel-what-are-the-current-mortgage-refinance-rates')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What are the current mortgage refinance rates?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-are-the-current-mortgage-refinance-rates')\" :aria-labelledby=\"$id('heading-what-are-the-current-mortgage-refinance-rates')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\nRefinance rates fluctuate throughout the day, so it\u2019s important to check them frequently and pay attention to how they change. As of April 22, the average 30-year fixed refinance interest rate is 6.65% and the average 15-year fixed rate is 6.03%. For ARMs, the average 5\/1 ARM refinance rate is 6.04%.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-when-is-the-best-time-to-refinance', 'heading-when-is-the-best-time-to-refinance']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-when-is-the-best-time-to-refinance')\" :aria-controls=\"$id('panel-when-is-the-best-time-to-refinance')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    When is the best time to refinance?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-when-is-the-best-time-to-refinance')\" :aria-labelledby=\"$id('heading-when-is-the-best-time-to-refinance')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Consider refinancing if rates are lower than your current mortgage or your adjustable-rate mortgage (ARM) is resetting upward. You might also consider refinancing if your financial situation has improved and you can afford to pay off the loan faster with a shorter term \u2014 or qualify for a lower rate than you originally received.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-methodology', 'heading-methodology']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-methodology')\" :aria-controls=\"$id('panel-methodology')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Methodology<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-methodology')\" :aria-labelledby=\"$id('heading-methodology')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>The 2025 survey on homeowner regrets was conducted between April 2-4, 2025, with a total sample size of 2,487 adults, including 1,363 who are homeowners. The survey on home affordability was conducted by YouGov Plc between March 4-6, 2025 with a total sample size of 2,373 adults, including 979 Americans who did not own a home (with or without a mortgage) but would want to own a home some day. The survey on down payments was conducted between Jan. 15-17, 2025 with a total sample size of 2,703 adults, including 1,453 who are homeowners.<\/p>\n<p>The surveys were carried out online and meet rigorous quality standards. Each gathered a non-probability-based sample and employed demographic quotas and weights to better align the survey samples with the broader U.S. population.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"9u61lCBtFU\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/get-the-best-refinance-rate\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Refinancing your mortgage may make sense if you can reduce the interest rate by at least half a percentage point. Improving your credit score is one way to get the best mortgage refinance rate. You can also consider buying discount points or paying your closing costs upfront to reduce the interest rate. Watching<\/p>\n","protected":false},"author":1,"featured_media":24662,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-24661","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How To Get The Best Refinance Rate | The Funds Pros<\/title>\n<meta name=\"description\" content=\"Key takeaways Refinancing your mortgage may make sense if you can reduce the interest rate by at least half a percentage point. 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