The best thing about refinancing your mortgage is the fact that you have been through the mortgage loan?process before – but a great deal may have changed since that time. And there are more refinance lenders and much more loan options now than ever before.
Some?refinance lenders provide the latest in online capabilities, others specialize in Intended or Veterans Affairs loans, yet others?will still discuss the loan options along with you face to face.
NerdWallet has picked the best mortgage refinance lenders in a variety of categories so you can quickly pick which one is right for you.
Best overall refinance lenders
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at Rocket Mortgage
Min. credit score
620
National / regional
National
NerdWallet ratingWhy we like it
Ideal for refi borrowers with very little time. Rocket Mortgage brings smart-phone app convenience towards the refinance process. And online income and asset verification speeds the process.
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at Lenda
Min. credit score
620
National / regional
Regional
NerdWallet ratingWhy we like it
Well suited for refinance customers in the usa it serves. Lenda doesn’t charge upfront origination or broker fees on refinance loans, which close in around 36 days.
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at Veterans United
Min. credit score
620
National / regional
National
NerdWallet ratingWhy we love to it
Ideal for military-connected customers seeking to refinance. Veterans United's streamline VA refis require a lot less paperwork with lower settlement costs.
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at Chase
Min. credit score
620
National / regional
National
NerdWallet ratingWhy we love to it
Ideal for refinancing in whatever way you want: in person, online or over the phone. With branch locations in 22 states, Chase includes a strong face-to-face presence, but refinancers can use through other channels, too.
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at Navy Federal
National / regional
National
Min. down payment
0%
NerdWallet ratingWhy we love to it
Ideal for military members and their families. Navy Federal Credit Union provides a wide range of mortgage products and low minimum loans, and considers alternative credit data.
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at SunTrust
Min. credit score
620
National / regional
National
NerdWallet ratingWhy we like it
Ideal for the homeowner who wants to refinance, but needs help figuring out which type of mortgage to select. SunTrust offers a wide range of loan types, including FHA, VA, USDA and conventional mortgages.
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at NerdWallet
Min. credit score
620
National / regional
National
NerdWallet ratingWhy we like it
Ideal for homeowners who are looking to refinance into conventional, FHA or VA mortgages. Guaranteed Rate works with almost anyone with a decent credit rating and stable income.
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at Bank of America
Min. credit score
620
National/regional
National
NerdWallet ratingWhy we love to it
Ideal for borrowers who like options. Bank of the usa offers multiple refinance loans, including FHA, VA and cash-out.
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at Connexus
Min. credit score
600
National / regional
National
NerdWallet ratingWhy we love to it
Ideal for homeowners who wish to refinance their mortgages in any state but Alaska and Hawaii. Connexus aims to help make the application process as seamless as possible through its online portal.
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at Alliant
Min credit score
NA
National / Regional
National
NerdWallet ratingWhy we love to it
Ideal for borrowers who like to save money. Through Alliant's Advantage Mortgage (AAM) program, borrowers might be able to refinance and eliminate mortgage insurance with just 5% equity.
Best mortgage refinance lenders: summary
- Best for online experience: Rocket Mortgage
- Best for online experience:?Lenda
- Best for government programs:?Navy Federal
- Best for government programs: Veterans United
- Best for customer support: SunTrust Mortgage
- Best for customer service: Guaranteed Rate
- Best for traditional lenders: Chase Mortgage
- Best for traditional lenders: Bank of America
- Best for bank lenders: Connexus Credit Union
- Best for bank lenders: Alliant Credit Union
Best mortgage refinance lenders: review
| Lender | Best for |
Highlights | Minimum credit score* | Get started |
|---|---|---|---|---|
| Rocket Mortgage
Review |
Online refinance experience |
Simple and fast online application that imports required data | 620 | Start here |
| Lenda
Review |
Online refinance experience | Automated suggestion engine to help decrease your rate | 620 | Start here |
| Navy Federal Credit Union
Review |
Refinance with government programs | Military-focused with strong customer service and easy-to-find rates | N/A | Start here |
| Veterans United
Review |
Refinance with government programs | Offers FHA, VA, USDA, specialist in veterans and active-duty members | 580 (FHA), 620 (VA), 620 (conventional) |
Start here |
| SunTrust
Review |
Customer service when refinancing | Customer assistance available throughout process | 620 | Start here |
| Guaranteed Rate
Review |
Customer service when refinancing | Entirely online lending platform for many products; >95% client satisfaction rate | 620 | Start here |
| Chase Mortgage
Review |
Traditional lender refinance | Offers many refinance options and services all 50 states, with offices in 22 states | 620 | Start here |
| Bank of America
Review |
Traditional lender refinance | Offers many refinance options with internet presence | 620 | Start here |
| Connexus Bank
Review |
Credit union refinance | No-hassle mortgage comparison available | 600 | Start here |
| Alliant Credit Union
Review |
Credit union refinance | More personalized service, and something from the leading digital-first credit unions | N/A | Start here |
* Minimum credit rating on top loans; other loan types or factors may selectively influence minimum credit rating standards
More from NerdWallet
Compare online mortgage refinance lenders
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Refinance calculator
NerdWallet’s selection of mortgage lenders for inclusion here was made according to our evaluation of the services and products that lenders offer to consumers who’re actively looking for the best mortgage. The six key areas we evaluated range from the loan types and loan products offered, online capabilities, online type of loan information, customer support and the quantity of complaints filed using the Consumer Financial Protection Bureau as a number of loans issued. We awarded lenders up to one bonus star for any unique program or borrower focus that set them aside from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
