Find Refinance Rates in Sacramento, CA
Interest rates are totally personal. Enter your info to see what mortgage rates you may qualify for.
Refinance Rate Help
Looking for current refinance rates in San Francisco, CA? Here’s how to use our refinance rate tool to find competitive interest rates.
Be sure to select "Refinance" to see the latest San Francisco, CA mortgage refinance rates.
Enter your ZIP code for the most accurate results. Refinance rates can vary from state to state.
This helps calculate the loan‑to‑value ratio (LTV) for your loan, which helps determine your interest rate.
This amount is also used to calculate your LTV. LTV requirements vary depending on the loan type.
Also known as a FICO score, a higher credit score will help you qualify for a lower refinance rate.
VA IRRRL Loans
Looking to refinance your VA loan? Check “Military/Veteran” above to get VA IRRRL refinance rates.
Our refinance rate tool automatically includes FHA loans. You can filter results to only show FHA loans.
Interested in a cash‑out refinance? Use the advanced options to enter the amount of cash you’d like to take out.
Refinancing your home loan is a big decision, but we're here to help. Our refinance resources can help you feel more in control of your home refinance.
Local Refinance Lenders
Quickly find a mortgage lender who can work with you on your home refinance.
30-year Fixed Rates
Get personalized rate quotes with current CA 30-year fixed rates.
15-Year Fixed Rates
Get personalized rate quotes with current CA 15-year fixed rates.
See if you could lower your monthly mortgage payments by refinancing your current home loan.
Should I Refinance my Mortgage?
Refinancing at the right time can help you lower your mortgage payments, but it also requires you to pay fees and other closing costs. Use a refinance calculator to see if refinancing your loan makes sense for you and to estimate the breakeven point. Here are some more tips to help you with your mortgage refinance:
Finding the best rates
Don’t settle for the first refinance rate you see. It pays to shop around for the best rates, so check rates from at least three lenders when you’re looking to refinance your home loan.
When to refinance
It’s best to refinance when rates are low. Rates can change daily, so keep track of the latest San Francisco, CA refinance rates and work with your lender to lock in a rate.
Refinancing can help you use some of your hard‑earned equity to pay for large expenses, like major home improvements or college tuition, by taking out additional cash at closing.