RefiGuide offers prudent suggestions, dynamic commentary from experts in the industry, news, new home loan and refinance opportunities from leading banks and lenders and so much more.
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Founded in 2009, The RefiGuide began as a blog aiming to connect consumers with banks and mortgage lenders. Home buyers appreciate its practical, no-nonsense approach to mortgage and real estate topics.
Unlike traditional lending websites, the RefiGuide was built for everyday homeowners and buyers—not industry insiders. As our reputation for helpful and insightful content grew, so did its audience, reaching millions annually.
Learn moreYou don't need to be a scientist to figure it out. You shouldn’t have to get on a rocket to find a competitive home loan.
Our goal is to simplify mortgage refinancing and home buying, because it shouldn’t take a rocket Side-by-side comparisons, rate calculators and “how to” articles to help you make critical decisions in a timely manner.
Tell us more about your goals and financing needs and we'll suggest the appropriate loans for cash out, debt consolidation, home buying, construction and house renovation with helpful ways to improve your credit score and more.
When lenders reach out to you, you'll have a chance to learn about their full suite of mortgage and lending-related products, services, and offers.
In the ever-evolving landscape of home financing in 2025, prospective buyers often weigh options between fixed-rate and adjustable-rate mortgages (ARMs). Among ARMs, the 10/1 adjustable rate mortgage stands out as a hybrid product that combines stability with potential flexibility. As of September 2025, with 10/1 mortgage rates fluctuating amid economic uncertainties, understanding this loan type… Read More »
Cash-out refinancing remains a popular strategy for homeowners looking to leverage their home’s equity in 2025. This process involves replacing your existing mortgage with a larger one, pocketing the difference in cash for purposes like consolidating debt, financing home improvements, or business investments. The RefiGuide published this article to educate homeowners on how long the… Read More »
In today’s wild housing market in 2025, many homeowners have migrated towards a HELOC (Home Equity Line of Credit) because it offers a creative way to leverage real estate. The HELOC equity line of credit has emerged as a popular choice for financing the down-payment of a second home or investment property. Homeowners have embraced… Read More »
Millions of homeowners in the United States are looking for Home Equity Line of Credit or HELOC because they stands out as a flexible financing option in this current housing market in 2025. The HELOC allows borrowers to tap their home equity and draw funds as needed, pay interest only on what you borrow, and… Read More »
With home values at record highs across the U.S., many homeowners are taking out a home equity line of credit or HELOC at a record pace. We get a lot of questions about: How long does it take to get a HELOC funded? The answer varies depending on several factors, including the home equity lender’s… Read More »
The HELOC remains a popular 2nd mortgage for homeowners looking to leverage their home’s value. The HELOC provides flexible borrowing LTV options but you need a certain amount of equity to meet the loan to value requirements for a home equity line of credit in 2025. The RefiGuide published this article to reveal how much… Read More »
Two common approaches to finance home upgrades and remodeling are unsecured home improvement loans and Home Equity Lines of Credit also called HELOCs. While both types of loans can fund projects like kitchen remodels, bathroom upgrades, or energy-efficient additions, they differ significantly in structure, costs, and risks. In today’s real estate market, home values continue… Read More »
With first mortgage rates still on the higher side, homeowners have migrated to the HELOC because it enables them to keep their low interest rates while tapping into their property’s equity for purposes like consolidating debt, home renovation or cover the costs of life’s emergencies. With average tappable equity at $200,000 per homeowner and HELOC… Read More »
In the housing market of 2025, securing a mortgage loan remains a cornerstone of homeownership, whether you’re a first-time buyer, refinancing an existing loan, tapping into home equity, or investing in rental properties. With interest rates stabilizing around 6-7% following the Federal Reserve’s adjustments and home prices averaging $400,000 nationally, the demand for mortgages is… Read More »
In 2025, Home Equity Lines of Credit or HELOC continues to be a popular 2nd-mortgage program for homeowners looking to access their property’s equity for home remodeling, debt consolidation, funding investments or unexpected expenses. According to Bankrate’s survey of major lenders with average HELOC interest rates at 8.12% as of August 2025, understanding how to… Read More »
A home equity line of credit or HELOC is a popular way for homeowners to turn equity into cash, but is it easy to refinance a HELOC? If interest rates continue to rise, many homeowners will consider a HELOC refinance. You have the option to refinance your HELOC into a new line of credit, a… Read More »
Home equity loans and lines of credit have become pragmatic tools for homeowners seeking to leverage their property’s value. With average home prices stabilizing around $400,000 and interest rates hovering between 8-9% for these 2nd mortgage products, they offer a way to fund renovations, consolidate debt, or cover emergencies without refinancing the primary mortgage. A… Read More »
In the dynamic real estate market of 2025, where interest rates hover around 6-7% and traditional mortgage approvals remain stringent due to economic uncertainties, owner financing has emerged as a viable alternative for homebuyers and sellers alike. Owner financing, also known as seller financing, is an arrangement where the homeowner or seller acts as the… Read More »
If you are interested in a vacation property or second home, you may wonder about financing fractional home ownership. Before you move forward, it’s important to understand what fractional homeownership is and how financing works. How Does Fractional Home Ownership Work? Fractional home ownership allows multiple buyers to co-own a property, each holding a share… Read More »
An FHA Jumbo Loan is a type of mortgage that falls under Federal Housing Administration (FHA) guidelines but exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These loans provide borrowers with the opportunity to finance higher-priced homes while still benefiting from FHA’s low down payment requirements and flexible credit qualifications. The… Read More »
Yes, you can refinance your mortgage and consolidate credit card debt through a cash-out refinance. This method allows you to replace your existing mortgage with a new one that has a higher loan amount, using the extra funds to pay off high-interest credit card debt. The RefiGuide published this article to consider how to do… Read More »
Homeowners across the country are taking advantage of how fast they can get take out a home equity loan without being required to refinance their primary mortgage. A home equity loan is powerful and popular second mortgage that allows homeowners to tap into the value of their property to secure funds for various purposes like… Read More »
Homeowners love the HELOC because it is a flexible loan that allows homeowners to borrow against the equity they’ve built in their property. One key aspect of a HELOC that borrowers need to understand is how interest is calculated, as this impacts both the cost of borrowing and repayment plans. But what makes HELOC interest… Read More »
The home equity line of credit or HELOC repayment period is a unique amortization schedule that is different than most simple interest mortgage loans. The HELOC draw period typically ranges from 10 years and a HELOC repayment period of up to 20 years. The RefiGuide published this article to examine how the HELOC repayment works… Read More »
Can you negotiate closing costs? Refinancing a home loan can save you big every month, but watch out for some of the costly fees that come with that lower interest rate. The less you pay for refinance closing costs and lending fees, the more money you will have saved for other important things. The RefiGuide… Read More »
