Best Mortgage Refinance Rates and Lenders of October 2025

ElitePersonalFinance
Last Update: October 16, 2025

ElitePersonalFinance helps you find the best refinance mortgage rates. Compare rates and save a lot of money.

    Find the best mortgage rates to refinance your loan.

    Refinance your mortgage loan with a cheaper one.

    Up to $1,000,000, APR as low as 1.99%.

    Get Pre-qualified in minutes.

    Comparing offers doesn’t affect your credit score.

Min. Credit Score:

0

National / Regional:

National

Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.03%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.12%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.26%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.54%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.55%

Min. Credit Score:

620

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.63%

Min. Credit Score:

620

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.63%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.92%

Min. Credit Score:

620

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

5.824%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.283%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.377%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

6.49%

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

N/A

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

N/A

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More:
Bank/Institution:
EPF Rating:

4.9/5

ElitePersonalFinance Rating

ElitePersonalFinance scores are objectively determined by our editorial team. Annual percentage yields (APYs), minimum opening deposit requirements and minimum balances to avoid monthly service fees are some of the things that make up ElitePersonalFinance’s score.

APY:

N/A

Min. Credit Score:

N/A

Min. Down Payment:

3% for conventional loans, 3.5% for FHA loans, none for VA loans

Learn More: