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Compare Home Refinance Lenders in February 2024

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Best for customer satisfaction

Rocket Mortgage

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5.0
Quicken Compare Score

The Quicken Compare score is based on multiple factors such as the most popular choice, consumer feedback and our internal evaluation. The score is unbiased and its goal is to provide you with a relative recommendation of offers as you compare the brands listed in our marketplaces. We do receive monetary compensation if you utilize the brands listed which allows us to keep this service free.

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Begin Application on Rocket Mortgage’s Secure Site
Customer Satisfaction

Rocket Mortgage has been ranked #1 by JD Power for customer service for 11 years, which is based entirely on client feedback collected by the independent research firm

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Overall, getting a refinance through Rocket Mortgage can be a good option for those who prefer a fast, streamlined, and convenient online experience. However, if you prefer a more personalized approach or have specific questions or concerns, you may want to consider a lender with more hands-on service. As with any financial decision, it’s always best to compare rates and terms from multiple lenders to find the best deal for your situation.
Pros and Cons
pro
Online Application
pro
Fast Pre-Approval
pro
Multiple Refinance Options
con
Limited Personal Interaction
con
Fees
con
Credit Requirements
Benefits
  • Loans customized to your needs
  • Fast streamlined application
  • Millions of satisfied borrowers
Best for Industry expertise

Quicken Loans

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Apply on Quicken Loan’s secure site
4.5
Quicken Compare Score

The Quicken Compare score is based on multiple factors such as the most popular choice, consumer feedback and our internal evaluation. The score is unbiased and its goal is to provide you with a relative recommendation of offers as you compare the brands listed in our marketplaces. We do receive monetary compensation if you utilize the brands listed which allows us to keep this service free.

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Apply on Quicken Loan’s secure site
Industry expertise

35+ years of industry expertise

Quicken Compare Review
We’ll help you understand your mortgage options so you can feel certain about what you can afford.
Pros and Cons
pro
Wide range of loan products
pro
Competitive interest rates
con
Possible fees
con
Mixed customer reviews
  • America’s Largest Direct Lender
  • Award winning customer service
  • Fixed rates and custom terms
Streamlined Online Experience

New American Funding

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Begin Application on New American Funding’s Secure Site
4.0
Quicken Compare Score

The Quicken Compare score is based on multiple factors such as the most popular choice, consumer feedback and our internal evaluation. The score is unbiased and its goal is to provide you with a relative recommendation of offers as you compare the brands listed in our marketplaces. We do receive monetary compensation if you utilize the brands listed which allows us to keep this service free.

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Begin Application on New American Funding’s Secure Site
Streamlined Online Experience

New American Funding offers a streamlined online application process that can be completed in as little as 5 minutes!

Quicken Compare Review
Getting a refinance through through New American Funding can be a good option for those who want a streamlined online experience with competitive rates. However, if you’re looking for more specialized loan products or prefer a more personalized, hands-on approach to the refinance process, you may want to consider other options.
Pros and Cons
pro
Competitive rates
pro
100% online application available
con
Fees
con
Credit Requirements
Benefits
  • Personalized refinance rate in only 5 minutes
  • Over 254k Positive Reviews, A+ Rating With BBB
Best for personalized service

Mission Loans

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Begin Application on Mission Loans’ Secure Site
4.0
Quicken Compare Score

The Quicken Compare score is based on multiple factors such as the most popular choice, consumer feedback and our internal evaluation. The score is unbiased and its goal is to provide you with a relative recommendation of offers as you compare the brands listed in our marketplaces. We do receive monetary compensation if you utilize the brands listed which allows us to keep this service free.

VIEW RATES
Begin Application on Mission Loans’ Secure Site
Personalized Service

Mission Loans provides personalized service to each customer, with a dedicated loan officer who can guide you through the refinancing process and answer any questions you may have.

Quicken Compare Review
Getting a refinance through Mission Loans can be a good option for those who prefer a more personalized, hands-on approach to the refinancing process with competitive rates and no lender fees. However, if you’re looking for a more streamlined, online experience or live outside of the limited states where Mission Loans operates, you may want to consider other options.
Pros and Cons
pro
Personalized Service
pro
Competitive Rates
con
Limited Online Presence
con
Limited Availability
Benefits
  • Next-Gen Technology, Save Time & Hassle
  • Historically Low rates – see yours today

Home Refinance Reviews

If you are looking to refinance to a lower rate or lower monthly payment, we can help find you the best mortgage refinance lender for your unique situation. We’ve taken a stab at putting together the best lenders in a variety of categories that can help you through the refinance process.  Even though you’ve been through the home loan process, there are more refinance lenders and more loan options than we’ve seen previously. With mortgage interest rates at historically low levels, it appears to be a good time for borrowers to refinance their home loan.   Given that no mortgage refinance company is perfect for every single borrower, we’ve compiled a list of mortgage lenders spanning a variety of categories.  Below are the picks for top mortgage lenders for February 2024:

Rocket Mortgage®

Rocket Mortgage is the largest online retail mortgage lender, according to National Mortgage News. They provide home loans in all 50 states and offer a wide variety of mortgage refinance options, including conventional loans, jumbo loans, adjustable-rate mortgages (ARM), VA and FHA loans, and cash-out refinances.

Rocket Mortgage offers clients a wide range of unique mortgage options. The first is a YOURgage®, which allows you to personalize your loan term based on your financial goals while still securing a fixed interest rate. You could pick a loan term between 8 and 29 years and refinance up to 97% of your home’s value or purchase a home with as little as 3% down.

Rocket Mortgage also has an exciting new refinance option for homeowners who have had trouble qualifying in the past. With this refinance option, you could take advantage of today’s low rates and lower your monthly payment, even if you’ve been denied for a home loan previously.

loanDepot

loanDepot is a fast-growing mortgage lender. They also pride themselves on having personal support from professionals.

AmeriSave

Customers can apply for mortgage loans both online and over the phone, but don’t have a physical branch.  They offer rate & term refinancing to lower your current interest rate or change the term length of your mortgage, as well as cash out refinancing to get cash out of your home’s equity to use it or debt consolidation, home improvements and more. They offer a wide variety of loan products from Fannie Mae, USDA, FHA and VA loans.

Figure

With Figure, customers can apply 100% online in minutes and close faster than traditional lenders.  Their automated application allows for consumers to go through the form and complete their application without the need for speaking to a broker.  Figure offers both the  option to cash out and a 30 year fixed term.  At this time, Figure can only support primary residences, not second homes or investment properties.  They also boast excellent customer service, with published response times of less than 15 seconds.

New American Funding

New American Funding is licensed in 48 states and provides a variety of mortgages from fixed-rate, adjustable-rate, Jumbo, FHA, VA, USDA and Home Improvement loans.  One mortgage exclusive to New American Funding is the “I CAN Mortgage.” This a fixed-rate loan offer to help customers who are between loan types. This mortgage offers down payments as low as 5% and the flexibility to choose your loan term from 8 to 30 years.  This is only available to borrowers if their new home is a primary residence and single-family home.

Veterans United

Veterans United is for America’s military community. Their specialty is VA loans.

IMPORTANT DISCLOSURES:
We are an independent, advertising-supported comparison site. The matches to services that appear on this site are based on a variety of factors, including geography, licensing, filter criteria, and compensation paid (by them).
If the information you provide to us matches the criteria they are seeking, that information may be shared to them in real time, and they will contact you directly.
We are paid by such providers for each consumer they receive matches to. You are not charged for our services. We do not guarantee that these are the only providers in the marketplace, or that their products or services will meet your needs. Their services and products may or may not be the best, or only options, available on the market. Completing our forms does not obligate you to purchase a service or product nor does it obligate a provider to provide you with any particular service about which you may have inquired.
We only accept requests for matching for U.S. Citizens on this Website and specifically exclude all other jurisdictions.
To the extent that ratings or evaluations appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates a number of factors, including but not limited to, our analysis of brand market share and reputation, each brand’s consumer volume, compensation paid to us, and general consumer interest.
Rocket Mortgage is one of our top providers as it received the highest score in the J.D. Power Mortgage Origination Satisfaction Studies of customers’ satisfaction with their mortgage origination process 2010-2020, and 2022. See jdpower.com for more information.
This site, and its family of companies, and Rocket Mortgage, and its related businesses are separate operating subsidiaries of RKT Holdings, LLC.
Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable legal and regulatory requirements.
Quicken is a registered service mark of Rocket Mortgage, LLC, used under license by LMB OpCo
QuickenCompare, a LMB Mortgage Services, Inc. company, is not acting as a lender or broker. The information provided by you to QuickenCompare is not an application for a mortgage loan, nor is it used to pre-qualify you with any lender. If you are contacted by a lender or broker advertising within our network, your quoted rate may be higher depending on your property location, credit score, loan-to-value ratio, debt-to-income ratio, and/or other factors. QuickenCompare does not offer its matching services in all states. This loan may not be available for all credit types, and not all service providers in the QuickenCompare network offer this or other products with interest-only options. The information that we provide is from companies which QuickenCompare and its partners may receive compensation. This compensation may influence the selection, appearance, and order of appearance on this site. The information provided by QuickenCompare does not include all financial services companies or all of their available product and service offerings.

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We are an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which we receive compensation. This compensation may impact how and where products appear on this site, including for example, the order in which they may appear within listing categories. The ranking is determined at our own discretion and should not be considered an endorsement (express or implied). The information and vendors which appear on this site is subject to change at any time. To the extent that ratings and rankings appear on this site, these are determined by both our subjective opinion and based on a methodology that aggregates a number of factors, including but not limited to, our analysis of brand market share based on origination volume and number of leads purchased, reputation according to such factors as JD Power customer service awards, compensation paid to us, and general consumer interest and awareness. For Credit Cards, Quicken Compare has partnered with CardRatings for our coverage of specific credit card products. Quicken Compare and CardRatings may receive a commission from card issuers.

Quicken Compare Score

The Quicken Compare score is based on multiple factors such as the most popular choice, consumer feedback and our internal evaluation. The score is unbiased and its goal is to provide you with a relative recommendation of offers as you compare the brands listed in our marketplaces. We do receive monetary compensation if you utilize the brands listed which allows us to keep this service free.

Editorial Note

Quicken Compare, a LMB Opco, LLC company, is compensated by third-party advertisers, however, any opinions, analyses, reviews or recommendations expressed in editorial content are of the author alone and have not been reviewed, approved, or otherwise endorsed by the advertiser. We make every effort to provide up-to-date information, however we do not guarantee the accuracy of the information presented. Consumers should verify any terms and conditions with the institution providing the products. Articles may contain some sponsored content, content about affiliated entities or content about clients in the network. QuickenCompare does not include all lenders or offers available in the marketplace. The content displayed on QuickenCompare or in this video does not provide legal, financial, accounting or tax advice. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.