Real Experiences

“We used Keyinlending.com and got our rate at 4.6%.”

“Is it advisable to accept 4.75% rate which will add about $23000 to my current loan.”

“I literally just signed %4.375 with zero points and $250 due at signing.”

“shop around, i'm switching from 7% to 4.75% with 1.5 points.”

“I went from a 6.875 to 6.25 and am adding the extra $208 per month savings and applying it directly to principal.”

“Closed last Friday at 6.125 from 6.6 with a 390 dollar closing cost.”

“I’m refinancing 6.35 now to 5.625, no points.”

“Just closed today! First time homebuyer, 30-year conventional, 5.624% :)”

“Just closed friday second home SFH %6.3 no points, cash to close 500. Loan amount 300k northern Va. 800+ credit”

“I would say try to refi with 0 closing costs. Ask your lender. I just did it from 6.65 to 6.125 while Rates were at 5.5ish.”

“can refi down to a 5.375% rate while adding about 12k in closing costs”

“We just refinanced from 7.125 down to 5.75 with no points.”

“With the drop and 3k in points, we went from 7.25 (march last year) to 5.75, we’re celebrating”

“I just closed in Phx on a 15 year 4.99% with .6 points with Chase.”

“- 30fxd - 6.25% / 6.309 APR - 0 points - **$2956 lender credit** to reduce fees - $1706/mo payment”

“- 30fxd - 5.875% / 5.912 APR - 0 points - $1043 lender credit to reduce fees - $2189/mo payment”

“In Montana. Just locked our rate in @ 5.625. 800+ credit score 10% down. Interest was 6% before the buy down.”

“- 15fxd - 5.75% / 5.846 APR - 0 points - **$1945 lender credit** to reduce fees - $2300/mo payment”

“Bought in May 2024 at 7.375% and refinancing at 5.875% for a 1.5% reduction.”

“Yeah it’s this. I just refinanced at 5.875. I could’ve gotten lower but I would’ve had to buy down, which I’m not willing to do.”

“Credit score 800, 10% down, 30-year conventional. Initially quoted 5.99% but got another LE and first broker beat it. Locked at 5.625% and $3700 less in closing costs than original quote (0.1% difference in interest rate and APR).”

“I saved $450 because i took the opportunity went from 7.75% to a 5.875%”

“Just closed last week. VA 5.25 30 fixed no buy down. Locked in in early Jan”

“I used Lending Tree to find mine, went with Tomo Mortgage at 5.625 last week”

“Closed Jan 29th in Phoenix. 5.625% FHA 30 year.”

“Just closed last week. VA 5.25 30 fixed no buy down. Locked in in early Jan”

“- 30fxd - 6.000% / 6.031 APR - 0 points - $889 lender credit to reduce fees - $3118/mo payment”

“- 30fxd - 7.625% / 7.675 APR - 0 points - $232 lender credit to reduce fees - $2491/mo payment”

“We purchased our home in late 2025 at 6.375% and just closed on a no-cost refinance at 5.875%.”

“- 30fxd - 6.000% / 6.027 APR - 0 points - $4722/mo payment”

“- 30fxd - 6.00% / 6.031 APR - 0 points - $889 lender credit to reduce fees - $3118/mo payment”

“- 15fxd - 5.25% / 5.30 APR - 0 points - $520 lender credit to reduce fees - $4180/mo payment”

“Singing monday on a new refi. Originally 30yr @7.875 going to a 15yr @4.875 No points.”

“- 20fxd - 5.75% / 5.79 APR - 0 points - $187 lender credit to reduce fees - $3651/mo payment”

“Congrats! I locked in the same yesterday. Refinancing with a 30-year fixed conventional loan at 5.625%.”

“- FHA30fxd - 5.5% / 6.374 APR - 0 points - $2230/mo payment (FHA PMI +$175)”

“Same rate as me. No closing costs (15k seller credit) aside from my down payment. Closed last Thursday in Phoenix.”

“- 15fxd - 5.625% / 5.830 APR - 0 points - $4 lender credit to reduce fees - $1071/mo payment”

“- 30fxd - 6.125% / 6.154 APR - 0 points - $957 lender credit to reduce fees - $3342/mo payment”

“- 30fxd - 6.5% / 6.616 APR - 0 points - $67ender credit to reduce fees - $2169/mo payment”

“- VA30fxd - 5.25% / 5.311 APR - 0 points - $2947/mo payment”

“Locked in last week with new builder incentives 26k plus 5k with preferred lender. No closing costs 2/1 buy down 3.3, 4.3 and locked in at 5.3.”

“We signed the documents and completed our first refinance yesterday! Went from a 7.125 30 year to a 5.625 30 year no points.”

“- 30fxd - 5.625% / 5.749 APR - 0 points - $3777/mo payment”

“- 7ARM - 5.75% / 6.091 APR - 0 points - $640 lender credit to reduce fees - $2334/mo payment”

“- 30fxd - 6.375% / 6.394 APR - 0 points - $1376 lender credit to reduce fees - $5365/mo payment”

“- 15fxd - 5.25% / 5.308 APR - 0 points - $680 lender credit to reduce fees - $3617/mo payment”

“- 7ARM - 5.75% / 6.071 APR - 0 points - $1520 lender credit to reduce fees - $5544/mo payment”

“- 30fxd - 6.00% / 6.035 APR - 0 points - $1624 lender credit to reduce fees - $2698/mo payment”

“- 30fxd - 6.625% / 6.640 APR - 0 points - $1520 lender credit to reduce fees - $6083/mo payment”

“- 10ARM - 6.00% / 6.143 APR - 0 points - $1520 lender credit to reduce fees - $5696/mo payment”

“- 30fxd - 6.125% / 6.424 APR - 0 points - $12338 lender credit to reduce fees - $4672/mo payment”

“Today I secured a 5.625% refinance rate lock for a 30-year fixed conventional loan with $0 points and $0 lender fees.”

“- 30fxd - 5.875% / 5.987 APR - 0 points - $3744 /mo payment”

“Yeah I’m going with a credit union to refinance and it’s 5.5% I have a lot of equity though.”

“- 30fxd - 5.875% / 5.905 APR - 0 points - $15 lender credit to reduce fees - $2958/mo payment”

“- 30fxd - 6.625% / 7.632 APR - 0 points - $4994 /mo payment”

“- FHA30fxd - 6.000% / 6.882 APR - 0 points - $1048 lender credit to reduce fees - $4758 /mo payment”

“- 30fxd - 5.75% / 5.952 APR - 0 points - $1823 lender credit to reduce fees - $5067/mo payment (APR includes funding fee, can't remove it at this stage)”

“- PHY30fxd - 6.5% - 0 points - $1352 lender credit to reduce fees - $5341/mo payment”

“- VA30fxd - 6.5% / 6.591 - 0 points - $6618 /mo payment”

“- PHY30fxd - 6.5% / 6.528 APR - 0 points - $800 lender credit to reduce fees - $3160/mo payment”

“- 30fxd - 6.875% / 6.889 APR - 0 points - $1600 lender credit to reduce fees - $6569/mo payment”

“- 30fxd - 6.00% / 6.076 APR - 0 points - $1143 lender credit to reduce fees - $3033/mo payment”

“- 15fxd - 5.25% / 5.291 APR - 0 points - $2162/mo payment”

“- 15fxd - 5.25% - 0 points - $4031 /mo payment”

“25% - 30fxd - 5.875% - 0 points - $3172 /mo payment”

“- 30fxd - 6.375% - 0 points - $2088 lender credit to reduce fees - $7486/mo payment”

“- 15fxd - 6.00% - 0 points - $1228 lender credit to reduce fees - $5890 /mo payment”

“- VA30fxd - 5.25% - 0 points - $2256 /mo payment”

“- 30fxd - 6.125% - 0 points - $242 lender credit to reduce fees - $6684/mo payment”

“- 30fxd - 6.00% - 0 points - $1034 lender credit to reduce fees - $1948/mo payment (exclu PMI)”

“- 30fxd - 5.75% - 0 points - $1617 /mo payment”

“- 30fxd - 5.875% - 0 points - $4141 /mo payment”