{"id":10612,"date":"2025-08-01T06:22:04","date_gmt":"2025-08-01T06:22:04","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=10612"},"modified":"2026-03-22T01:04:55","modified_gmt":"2026-03-22T01:04:55","slug":"current-mortgage-refinance-rates","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-refinance-rates\/","title":{"rendered":"Mortgage Refinance Rates Today"},"content":{"rendered":"<div id=\"key_takeaways\"><h3>KEY TAKEAWAYS<\/h3><ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage refinance rates are influenced by factors like credit score, loan type, debt-to-income ratio, and broader economic conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refinance rates can be similar to or slightly higher than purchase mortgage rates, depending on risk and loan structure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are multiple types of refinance loans, including conventional, DSCR, bank statement, asset-based, VA, and SOFR ARM, and each is suited to different borrower needs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Timing your refinance based on market trends and personal financial goals can help maximize savings and long-term benefits.<\/span><\/li>\n<\/ul>\n<\/div>\n<h2><span style=\"font-weight: 500;\">What Affects Mortgage Refinance Rates?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Several key factors impact the mortgage refinance rates lenders offer:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Score<\/b><span style=\"font-weight: 400;\">: Borrowers with higher credit scores typically qualify for lower refinance rates. Lenders view them as less risky.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan-to-Value Ratio (LTV)<\/b><span style=\"font-weight: 400;\">:\u00a0 If you have significant equity in your home, you\u2019re more likely to get favorable refinance terms.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Debt-to-Income Ratio (DTI)<\/b><span style=\"font-weight: 400;\">: A lower DTI suggests better financial health, making lenders more comfortable offering lower rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Term<\/b><span style=\"font-weight: 400;\">: Shorter-term loans often come with lower rates, though they may have higher monthly payments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Type of Refinance Loan<\/b><span style=\"font-weight: 400;\">: Cash-out refinances tend to have higher rates than rate-and-term refinances.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Property Type and Use<\/b><span style=\"font-weight: 400;\">: Primary residences typically receive better rates than second homes or <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/investment-property-loans\/\"><span style=\"font-weight: 400;\">investment properties<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Economic Conditions<\/b><span style=\"font-weight: 400;\">:\u00a0 Inflation, Federal Reserve policy, and general <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/housing-market-under-trump\/\"><span style=\"font-weight: 400;\">market conditions<\/span><\/a><span style=\"font-weight: 400;\"> can all influence rate trends.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When comparing refinance rates to rates for buying a new home, you\u2019ll often find that they\u2019re quite similar but not always identical. In some cases, refinance rates may be slightly higher due to added risk for the lender or different pricing structures. Both are influenced by the same <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/what-affects-mortgage-rates\/\"><span style=\"font-weight: 400;\">factors that affect mortgage rates<\/span><\/a><span style=\"font-weight: 400;\">, such as borrower creditworthiness and market conditions.<\/span><\/p>\n<h2><span style=\"font-weight: 500;\">Today\u2019s Refinance Rates<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Refinancing rates can change daily, influenced by shifts in the economy, market demand, and borrower qualifications. Understanding today\u2019s refinance rates helps homeowners make informed decisions about timing, savings, and long-term financial goals.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As you compare loan options, it\u2019s important to factor in both <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-rates\/\"><span style=\"font-weight: 400;\">current mortgage rates<\/span><\/a><span style=\"font-weight: 400;\"> and any applicable <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/mortgage-refinance-limits\/\"><span style=\"font-weight: 400;\">mortgage refinance limits<\/span><\/a><span style=\"font-weight: 400;\"> based on location or loan type. Whether you\u2019re aiming to lower your payment, shorten your term, or access cash from your equity, staying up to date on rates is key. Below, explore refinance rate trends by loan type to find the option that best fits your situation.<\/span><\/p>\n<h3><span style=\"font-weight: 500;\">Conventional Loans<\/span><\/h3>\n<p><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/conventional-loans\/\"><span style=\"font-weight: 400;\">Conventional loans<\/span><\/a><span style=\"font-weight: 400;\"> are one of the most common types of mortgage loans and are not backed by a government agency. They typically require higher credit scores and lower debt-to-income ratios but often offer lower interest rates for qualified borrowers. Refinancing into a conventional loan can help you reduce your interest rate, adjust your loan term, or eliminate mortgage insurance if you&#8217;ve built enough equity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These loans are available for primary residences, second homes, and investment properties, giving borrowers flexibility in how they use their funds. Many homeowners use conventional refinances to switch from an FHA or VA loan once they qualify. Explore today\u2019s refinance rates to see if a conventional loan aligns with your goals.<\/span><\/p>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    .purchase-text {\n        color: #000;\n        letter-spacing: 2.4px;\n        text-transform: uppercase;\n        font-size: 16px;\n        font-weight: 500;\n        line-height: 24px;\n    }\n\n    .fixed-text {\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 28px;\n    }\n\n    .centre-wrapper {\n        width: 100%;\n        max-width: 100%;\n        margin-left: 0;\n        display: flex;\n        position: relative;\n    }\n    .interest-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .inerest-text {\n        color: #7d7d7d;\n        font-size: 16px;\n        line-height: 24px;\n    }\n\n    .rate-card {\n        display: flex;\n        flex-direction: column;\n        justify-content: center;\n        gap: 20px;\n        align-items: center;\n        padding: 0 12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n<div id='bb-32fda'><\/div><script>(function(){function i(){if(window.BB)BB.init('2781241073',document.getElementById('bb-32fda'),{type:'standalone'})}if(window.BB)i();else{var s=document.createElement('script');s.src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js';s.type='text\/javascript';s.charset='utf-8';s.async=true;s.onload=i;document.head.appendChild(s)}})();<\/script>\n<h3><span style=\"font-weight: 500;\">DSCR Loans<\/span><\/h3>\n<p><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-loans\/\"><span style=\"font-weight: 400;\">Debt service coverage ratio<\/span><\/a><span style=\"font-weight: 400;\"> (DSCR) loans are aimed at real-estate investors whose income is evaluated by rental cash flow rather than personal income. Instead of traditional employment verification, lenders assess whether the rental income from the property covers the loan payments\u2014this is the <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/dscr-loans\/what-is-a-good-debt-service-coverage-ratio\/\"><span style=\"font-weight: 400;\">DSCR metric<\/span><\/a><span style=\"font-weight: 400;\">. If the property\u2019s cash flow is strong enough, you may qualify without tax returns or pay stubs, making this ideal for portfolio investors.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/dscr-cash-out-refinance-loans\/\"><span style=\"font-weight: 400;\">DSCR refinances<\/span><\/a><span style=\"font-weight: 400;\"> are useful for expanding your real estate holdings or improving cash flow with better terms. These loans are available for short-term and long-term rentals, including Airbnb properties. Check current refinance rates for DSCR loans to determine if this investor-friendly option is right for you.<\/span><\/p>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    .purchase-text {\n        color: #000;\n        letter-spacing: 2.4px;\n        text-transform: uppercase;\n        font-size: 16px;\n        font-weight: 500;\n        line-height: 24px;\n    }\n\n    .fixed-text {\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 28px;\n    }\n\n    .centre-wrapper {\n        width: 100%;\n        max-width: 100%;\n        margin-left: 0;\n        display: flex;\n        position: relative;\n    }\n    .interest-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .inerest-text {\n        color: #7d7d7d;\n        font-size: 16px;\n        line-height: 24px;\n    }\n\n    .rate-card {\n        display: flex;\n        flex-direction: column;\n        justify-content: center;\n        gap: 20px;\n        align-items: center;\n        padding: 0 12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n<div id='bb-734e6'><\/div><script>(function(){function i(){if(window.BB)BB.init('3668140147',document.getElementById('bb-734e6'),{type:'standalone'})}if(window.BB)i();else{var s=document.createElement('script');s.src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js';s.type='text\/javascript';s.charset='utf-8';s.async=true;s.onload=i;document.head.appendChild(s)}})();<\/script>\n<h3><span style=\"font-weight: 500;\">Bank Statement Loans<\/span><\/h3>\n<p><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/bank-statement-loans\/\"><span style=\"font-weight: 400;\">Bank statement loans<\/span><\/a><span style=\"font-weight: 400;\"> are perfect for self-employed borrowers, freelancers, or independent contractors who have strong cash flow but don\u2019t meet traditional income documentation requirements. Instead of relying on W-2s or tax returns, lenders review 12\u201324 months of business or personal bank statements to verify income. This makes it easier for non-traditional earners to refinance at competitive rates.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/self-employed-refinance\/\"><span style=\"font-weight: 400;\">Bank statement refinance loans<\/span><\/a><span style=\"font-weight: 400;\"> can be used to lower monthly payments, consolidate debt, or free up cash for business investments. These loans can also be structured for primary residences, second homes, or investment properties. If you fall outside the box of standard underwriting, compare today\u2019s refinance rates for bank statement loans to see what\u2019s possible.<\/span><\/p>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    .purchase-text {\n        color: #000;\n        letter-spacing: 2.4px;\n        text-transform: uppercase;\n        font-size: 16px;\n        font-weight: 500;\n        line-height: 24px;\n    }\n\n    .fixed-text {\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 28px;\n    }\n\n    .centre-wrapper {\n        width: 100%;\n        max-width: 100%;\n        margin-left: 0;\n        display: flex;\n        position: relative;\n    }\n    .interest-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .inerest-text {\n        color: #7d7d7d;\n        font-size: 16px;\n        line-height: 24px;\n    }\n\n    .rate-card {\n        display: flex;\n        flex-direction: column;\n        justify-content: center;\n        gap: 20px;\n        align-items: center;\n        padding: 0 12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n<div style=\"text-align: center;\">\n<div class=\"rate-tabs\">\n<div class=\"tab active\" data-category=\"purchase\">Purchase<\/div>\n<div class=\"tab\" data-category=\"refinance\">Refinance<\/div>\n<\/div>\n<\/div>\n<!-- Subcategories -->\n<div class=\"rate-subcategories\" data-category=\"purchase\">\n<div class=\"subcategory active\" data-subcategory=\"3yr-sofr-arm\">3 YR ARM BANK STMT\n<\/div>\n<div class=\"subcategory\" data-subcategory=\"5yr-sofr-arm\">5 YR ARM BANK STMT<\/div>\n<div class=\"subcategory\" data-subcategory=\"30yr-dscr\">7 YR ARM BANK STMT<\/div>\n<div class=\"subcategory\" data-subcategory=\"30yr-bank\">30 YR Fixed BANK STMT<\/div>\n<\/div>\n<div class=\"rate-subcategories\" data-category=\"refinance\">\n<div class=\"subcategory active\" data-subcategory=\"3yr-sofr-arm\">3 YR ARM BANK STMT<\/div>\n<div class=\"subcategory\" data-subcategory=\"5yr-sofr-arm\">5 YR ARM BANK STMT<\/div>\n<div class=\"subcategory\" data-subcategory=\"30yr-dscr\">7 YR ARM BANK STMT<\/div>\n<div class=\"subcategory\" data-subcategory=\"30yr-bank\">30 YR Fixed BANK STMT<\/div>\n<\/div>\n<!-- Rate Card Example -->\n<div class=\"rate-card\" data-category=\"purchase\" data-subcategory=\"3yr-sofr-arm\" id=\"3_yr_sofr_content\"><\/div>\n<div class=\"rate-card\" data-category=\"purchase\" data-subcategory=\"5yr-sofr-arm\" id=\"5_yr_sofr_content\"><\/div>\n<div class=\"rate-card\" data-category=\"purchase\" data-subcategory=\"30yr-dscr\" id=\"30_yr_dscr_tab_content\"><\/div>\n<div class=\"rate-card\" data-category=\"purchase\" data-subcategory=\"30yr-bank\" id=\"40_yr_dscr_tab_content\"><\/div>\n<div class=\"rate-card\" data-category=\"refinance\" data-subcategory=\"3yr-sofr-arm\" id=\"refinance_3_yr_sofr_content\"><\/div>\n<div class=\"rate-card\" data-category=\"refinance\" data-subcategory=\"5yr-sofr-arm\" id=\"refinance_5_yr_sofr_content\"><\/div>\n<div class=\"rate-card\" data-category=\"refinance\" data-subcategory=\"30yr-dscr\"\nid=\"refinance_30_yr_dscr_tab_content\"><\/div>\n<div class=\"rate-card\" data-category=\"refinance\" data-subcategory=\"30yr-bank\"\nid=\"refinance_40_yr_dscr_tab_content\"><\/div>\n<div id='bb-bbeb0'>\n<script>window.BB || document.write(\"<script src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js' type='text\/javascript' charset='utf-8' defer=''><\\\/script>\")<\/script>\n<script>window.addEventListener('DOMContentLoaded', () => {\nBB.init('673091776', document.getElementById('bb-bbeb0'), {type: 'api'});\n})<\/script>\n<\/div>\n<div id=\"app\"><\/div>\n<script src=\"https:\/\/code.jquery.com\/jquery-3.6.0.min.js\"><\/script>\n<script>\n$(document).ready(function () {\n\/\/ Switch between main tabs\n$('.rate-tabs .tab').click(function () {\nvar category = $(this).data('category');\n\/\/ Activate selected tab\n$('.rate-tabs .tab').removeClass('active');\n$(this).addClass('active');\n\/\/ Show relevant subcategories\n$('.rate-subcategories').hide();\n$('.rate-subcategories[data-category=\"' + category + '\"]').show();\n\/\/ Show only the rate cards for the selected category and active subcategory\nvar activeSubcategory = $('.rate-subcategories .subcategory.active').data('subcategory');\n$('.rate-card').hide();\n$('.rate-subcategories[data-category=\"' + category + '\"] .subcategory[data-subcategory=\"' + activeSubcategory + '\"]').addClass('active');\n$('.rate-card[data-category=\"' + category + '\"][data-subcategory=\"' + activeSubcategory + '\"]').show();\n});\n\/\/ Switch between subcategories\n$('.rate-subcategories .subcategory').click(function () {\nvar subcategory = $(this).data('subcategory');\n\/\/ Activate selected subcategory\n$('.rate-subcategories .subcategory').removeClass('active');\n$(this).addClass('active');\n\/\/ Show only the rate cards for the selected subcategory and active category\nvar activeCategory = $('.rate-tabs .tab.active').data('category');\n$('.rate-card').hide();\n$('.rate-card[data-category=\"' + activeCategory + '\"][data-subcategory=\"' + subcategory + '\"]').show();\n});\n\/\/ Initial display\n$('.rate-card').hide();\n$('.rate-subcategories').hide();\n$('.rate-subcategories[data-category=\"purchase\"]').show();\n$('.rate-card[data-category=\"purchase\"][data-subcategory=\"3yr-sofr-arm\"]').show();\n});\nwindow.addEventListener(\"BB-ready\", function () {\nconsole.log(\"BB-ready event detected\");\nfetchBBmain();\n});\nasync function fetchBBmain() {\nasync function showResultsFnc(dt, cardCategory, rateLog) {\nconst logDetail = await BB.api.rateflow.log(rateLog);\nif (!logDetail || !logDetail.cards || !Array.isArray(logDetail.cards)) {\nreturn \"\"; \/\/ Return empty if no valid data\n}\nlet lines = \"\";\nlogDetail.cards.sort((a, b) => a.rate - b.rate).forEach((card) => {\nlet line = `<div class=\"purchase_wrapper\">\n<div class=\"purchase-text-wraper\">\n<div class=\"purchase-text\">${cardCategory}<\/div>\n<div class=\"fixed-text\">${dt}<\/div>\n<\/div>\n<div class=\"centre-wrapper\">\n<div class=\"interest-wrapper\">\n<div class=\"inerest-text\">Interest<\/div>\n<div class=\"int-text\">${card.rate.toFixed(2)}%<\/div>\n<div class=\"vertical_line-rate\"><\/div>\n<\/div>\n<div class=\"apr-wrapper\">\n<div class=\"inerest-text\">APR<\/div>\n<div class=\"int-text\">${card.apr}%<\/div>\n<div class=\"vertical_line-rate\"><\/div>\n<\/div>\n<div class=\"points-wrapper-rates\">\n<div class=\"inerest-text\">Points<\/div>\n<div class=\"int-text\">${card.pts}<\/div>\n<\/div>\n<\/div>\n<button class=\"customise-button w-button\" onclick=\"BB.api.openModal('leadWorkflow')\">Customize this rate<\/button>\n<\/div>`;\nlines += line;\n});\nreturn lines;\n}\ndocument.getElementById(\"3_yr_sofr_content\").innerHTML = await showResultsFnc(\n\"3 Year ARM DSCR\",\n'Purchase',\n39585784\n);\ndocument.getElementById(\"5_yr_sofr_content\").innerHTML = await showResultsFnc(\n\"5 Year ARM DSCR\",\n'Purchase',\n39585785,\n);\ndocument.getElementById(\"30_yr_dscr_tab_content\").innerHTML = await showResultsFnc(\n\"30 YR Fixed DSCR\",\n'Purchase',\n39585786,\n);\ndocument.getElementById(\"40_yr_dscr_tab_content\").innerHTML = await showResultsFnc(\n\"40 YR FIXED DSCR\",\n'Purchase',\n39585787,\n);\ndocument.getElementById(\"refinance_3_yr_sofr_content\").innerHTML = await showResultsFnc(\n\"3 Year ARM DSCR\",\n'Refinance',\n39585788\n);\ndocument.getElementById(\"refinance_5_yr_sofr_content\").innerHTML = await showResultsFnc(\n\"5 Year ARM DSCR\",\n'Refinance',\n39585790\n);\ndocument.getElementById(\"refinance_30_yr_dscr_tab_content\").innerHTML = await showResultsFnc(\n\"30 YR Fixed DSCR\",\n'Refinance',\n39585791\n);\ndocument.getElementById(\"refinance_40_yr_dscr_tab_content\").innerHTML = await showResultsFnc(\n\"40 YR Fixed DSCR\",\n'Refinance',\n39585792\n);\n}\n<\/script>\n<h3><span style=\"font-weight: 500;\">Asset-Based Loans<\/span><\/h3>\n<p><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/asset-based-loans\/\"><span style=\"font-weight: 400;\">Asset-based loans<\/span><\/a><span style=\"font-weight: 400;\"> allow you to qualify for a mortgage based on the value of your liquid assets rather than income. Lenders calculate how long your assets can cover your mortgage payments, taxes, and insurance, creating an alternative pathway to approval for retirees, investors, or high-net-worth individuals. These loans are often used for refinancing luxury properties, second homes, or even to consolidate debt while preserving liquidity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Asset-based refinance options offer flexibility without forcing you to draw down on your investments. They are also helpful for borrowers with significant net worth but minimal monthly income. Review current refinance rates for asset-based loans to find out if leveraging your portfolio could unlock better terms.<\/span><br \/>\n<iframe loading=\"lazy\" src=\"https:\/\/consumer.optimalblue.com\/FeaturedRates?GUID=4674b066-72d2-4945-953d-f9712f3dd19e\" width=\"319px\" height=\"450px\" frameborder=\"0\"><\/iframe><\/p>\n<h3><span style=\"font-weight: 500;\">VA Loans<\/span><\/h3>\n<p><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/\"><span style=\"font-weight: 400;\">VA loans<\/span><\/a><span style=\"font-weight: 400;\"> are available exclusively to eligible veterans, active-duty service members, and certain surviving spouses, offering major benefits like no down payment and no private mortgage insurance (PMI). VA refinance options include the <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-streamline-refinance-loan-irrrl\/\"><span style=\"font-weight: 400;\">Interest Rate Reduction Refinance Loan<\/span><\/a><span style=\"font-weight: 400;\"> (IRRRL), which allows you to quickly lower your interest rate with limited paperwork. <\/span><a href=\"https:\/\/griffinfunding.com\/traditional-mortgages\/va-loans\/va-cash-out-refinance-loan\/\"><span style=\"font-weight: 400;\">Cash-out VA refinances<\/span><\/a><span style=\"font-weight: 400;\"> are also available for borrowers who want to access their home equity.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These loans often come with lower rates and more favorable terms than conventional options. With no appraisal or income verification required in some cases, VA refinancing is one of the most streamlined and affordable ways to lower your payment or access cash. Check today\u2019s VA refinance rates and take full advantage of your earned benefits.<\/span><\/p>\n<style>\n\n    .rate-tabs {\n        border: 1px solid #be0c0c;\n        border-radius: 48px;\n        justify-content: center;\n        align-items: center;\n        margin-bottom: 40px;\n        margin-left: auto;\n        margin-right: auto;\n        padding: 8px;\n        display: inline-flex;\n        justify-content: center;\n        align-items: center;\n    flex-wrap: wrap;\n    }\n\n    .rate-tabs .tab {\n        color: #000;\n        background-color: transparent;\n        padding: 12px 40px;\n        font-size: 16px;\n        font-weight: 600;\n        line-height: 26px;\n        cursor: pointer;\n    }\n\n    .rate-tabs .tab.active {\n        color: #fff;\n        background-color: #be0c0c;\n        border-radius: 48px;\n    }\n\n    .rate-subcategories {\n        display: flex;\n        margin-bottom: 30px;\n        justify-content: center;\n        flex-wrap: wrap;\n        gap: 10px;\n    }\n\n    .rate-subcategories .subcategory {\n        padding: 8px 15px;\n        cursor: pointer;\n        border: 1px solid #E8ECF0;\n        border-radius: 5px;\n        background-color: #E8ECF0;\n    }\n\n    .rate-subcategories .subcategory.active {\n        background-color: #be0c0c;\n        color: white;\n    }\n\n    .purchase_wrapper {\n        transition: all .2s;\n        display: flex;\n        width: 100%;\n        max-width: 100%;\n        height: auto;\n        gap: 18px;;\n        flex-direction: column;\n        align-items: self-start;\n        border-radius: 20px;\n        padding: 24px;\n        border: 1px solid #0003;\n        justify-content: space-between;\n    }\n\n    .purchase_wrapper:hover {\n        box-shadow: 0 10px 40px #0000001a;\n    }\n\n    .purchase-text-wraper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        display: flex;\n    }\n\n    .purchase-text {\n        color: #000;\n        letter-spacing: 2.4px;\n        text-transform: uppercase;\n        font-size: 16px;\n        font-weight: 500;\n        line-height: 24px;\n    }\n\n    .fixed-text {\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 28px;\n    }\n\n    .centre-wrapper {\n        width: 100%;\n        max-width: 100%;\n        margin-left: 0;\n        display: flex;\n        position: relative;\n    }\n    .interest-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .inerest-text {\n        color: #7d7d7d;\n        font-size: 16px;\n        line-height: 24px;\n    }\n\n    .rate-card {\n        display: flex;\n        flex-direction: column;\n        justify-content: center;\n        gap: 20px;\n        align-items: center;\n        padding: 0 12px;\n    }\n\n    .int-text {\n        color: #141313;\n        font-size: 18px;\n        font-weight: 800;\n        line-height: 24px;\n    }\n\n    .vertical_line-rate {\n        color: #e1e1e1;\n        background-color: #e1e1e1;\n        width: 2px;\n        height: 42px;\n        position: absolute;\n        inset: 11% 0% 0% auto;\n    }\n\n    .apr-wrapper {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        align-items: center;\n        padding-left: 24px;\n        padding-right: 24px;\nflex: 1;\n        display: flex;\n        position: relative;\n    }\n\n    .points-wrapper-rates {\n        grid-column-gap: 4px;\n        grid-row-gap: 4px;\n        flex-flow: column;\n        justify-content: center;\n        padding-left: 24px;\n        padding-right: 24px;\n        display: flex;\n        position: relative;\nflex: 1;\n    }\n\n    .customise-button {\n        height: 48px;\n        padding: 14px 26px;\n        font-size: 16px;\n        background-color: transparent;\n        border: 1px solid #be0c0c;\n        color: #be0c0c;\n        border-radius: 56px;\n        flex-flow: row;\n        justify-content: center;\n        align-items: center;\n        width: 100%;\n        max-width: 100%;\n        font-weight: 600;\n        line-height: 26px;\n        display: flex;\n        text-decoration: none !important;\n        transition: all 0.3s ease-in-out;\n    }\n    \n    .customise-button:hover {\n        color: #fff;\n        background-color: #be0c0c;\n    }\n\n<\/style>\n\n<div id='bb-975e6'><script>window.BB||document.write(\"<script src='https:\/\/cdn.bankingbridge.com\/assets\/external\/index.js' type='text\/javascript' charset='utf-8' defer=''><\\\/script>\")<\/script><script>window.addEventListener('DOMContentLoaded', ()=>{BB.init('3434869820',document.getElementById('bb-975e6'),{type:'standalone'});})<\/script><\/div>\n<h3><span style=\"font-weight: 500;\">SOFR Adjustable-Rate Mortgage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/griffinfunding.com\/non-qm-mortgages\/6-month-sofr-arm-dscr-loans-for-real-estate-investors\/\"><span style=\"font-weight: 400;\">SOFR adjustable-rate mortgage<\/span><\/a><span style=\"font-weight: 400;\"> is a type of variable-rate loan that\u2019s indexed to the Secured Overnight Financing Rate (SOFR), which has replaced LIBOR in most lending scenarios. These loans typically start with a lower introductory rate for a fixed period\u2014often 5, 7, or 10 years\u2014before adjusting annually based on the SOFR index. Explore today\u2019s refinance rates for SOFR ARMs if you\u2019re comfortable with some future rate variability in exchange for upfront savings.<\/span><\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/consumer.optimalblue.com\/FeaturedRates?GUID=a4554f3f-3351-43d4-8e70-1ffb64fc5897\" width=\"319px\" height=\"450px\" frameborder=\"0\"><\/iframe><\/p>\n<h2><span style=\"font-weight: 500;\">Lock In Your Refi Rate Today<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Alt text: Two people working on a laptop in front of a calculator, clipboard, and model home.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ready to take the next step toward financial flexibility? Locking in your refinance rate today could help you lower monthly payments, shorten your loan term, or access equity when you need it most. At Griffin Funding, we offer a wide range of <\/span><a href=\"https:\/\/griffinfunding.com\/mortgage-solutions\/mortgage-refinance\/\"><span style=\"font-weight: 400;\">mortgage refinance solutions <\/span><\/a><span style=\"font-weight: 400;\">tailored to fit your unique financial goals\u2014whether you&#8217;re self-employed, an investor, or a veteran.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our team makes the process simple and transparent from start to finish. Using the <\/span><a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\"><span style=\"font-weight: 400;\">Griffin Gold app<\/span><\/a><span style=\"font-weight: 400;\">, you can track your loan progress, upload documents securely, and stay connected with your loan officer in real time. Don\u2019t miss your opportunity to refinance while rates are favorable. <a href=\"#popmake-6804\">Get started online today<\/a> and see how much you can save with Griffin Funding.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What Affects Mortgage Refinance Rates? Several key factors impact the mortgage refinance rates lenders offer: Credit Score: Borrowers with higher credit scores typically qualify for lower refinance rates. Lenders view them as less risky. Loan-to-Value Ratio (LTV):\u00a0 If you have significant equity in your home, you\u2019re more likely to get favorable refinance terms. Debt-to-Income Ratio<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/current-mortgage-refinance-rates\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":10613,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[],"class_list":["post-10612","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Today\u2019s Mortgage Refinance Rates | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Compare today&#039;s mortgage refinance rates. 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