Refinance Rates Today Sept 2026: Compare Best Lenders
30-year from 5.85%. Near 3-year lows. Compare today's refinance rates from 10+ lenders. Average savings: $150-$400/month. Lock before rates rise.
5.85%
30-Year Refi
5.10%
15-Year Refi
5.50%
FHA Stream
5.20%
VA IRRRL
📊 Today's Refinance Rates by Loan Type
| Loan Type | Rate | APR | Change | Monthly ($350K) | Savings vs 7% |
|---|---|---|---|---|---|
| 30-Year Fixed | 5.85% | 6.05% | ▼ -0.03% | $2,071 | $258/mo |
| 20-Year Fixed | 5.55% | 5.75% | ▼ -0.02% | $2,434 | $186/mo* |
| 15-Year Fixed | 5.10% | 5.30% | ▼ -0.04% | $2,785 | $245K total |
| 10-Year Fixed | 4.95% | 5.15% | ▼ -0.02% | $3,714 | $195K total |
| FHA Streamline | 5.50% | 6.25% | ▼ -0.05% | $1,989 | $340/mo |
| VA IRRRL | 5.20% | 5.45% | ▼ -0.03% | $1,917 | $412/mo |
| Cash-Out Refi | 6.10% | 6.35% | ▼ -0.02% | $2,127 | $202/mo |
| Jumbo Refi | 5.95% | 6.10% | ▼ -0.01% | $2,090 | $239/mo |
Rates as of September 1, 2026. 740+ credit, 80% LTV. Savings vs 7.00% current rate. *20-year payment is higher but total interest is lower. See YOUR rate →
🏆 Best Refinance Lenders Today
| # | Lender | 30-Year | 15-Year | Fees | Close | Best For |
|---|---|---|---|---|---|---|
| 1 | Better.com💰 BEST | 5.80% | 5.05% | $0 | 25d | Lowest rate + $0 fees |
| 2 | Rocket Mortgage⚡ FAST | 5.90% | 5.15% | 0.5-1% | 21d | Fastest close |
| 3 | SoFi | 5.85% | 5.10% | $0 | 30d | Autopay discount + perks |
| 4 | loanDepot | 5.90% | 5.20% | 0.5% | 25d | Lifetime refi guarantee |
| 5 | Guaranteed Rate | 5.95% | 5.20% | 0.5% | 21d | Rate lock + digital |
| 6 | Chase | 5.95% | 5.25% | 0.5% | 30d | Relationship discounts |
| 7 | PenFed CU | 5.80% | 5.05% | $0 | 35d | Open CU, low rate |
| 8 | Freedom Mortgage | 5.95% | 5.25% | $0 | 30d | FHA streamline specialist |
💰 How Much Will YOU Save? Refinance Savings by Current Rate
| Current Rate | New Rate | Monthly Savings | Annual Savings | 30-Year Savings |
|---|---|---|---|---|
| 8.00% | 5.85% | $524 | $6,288 | $188,640 |
| 7.50% | 5.85% | $397 | $4,764 | $142,920 |
| 7.00% | 5.85% | $258 | $3,096 | $92,880 |
| 6.75% | 5.85% | $190 | $2,280 | $68,400 |
| 6.50% | 5.85% | $126 | $1,512 | $45,360 |
| 6.25% | 5.85% | $67 | $804 | $24,120 |
Based on $350K loan balance, 30-year fixed. Calculate YOUR exact savings →
📉 Lock Today's Low Refi Rate
30-year from 5.85%. Save $150-$524/month. Near 3-year lows. Compare 10+ lenders.
People Also Ask (Voice Search)
“what are refinance rates today?”
September 1, 2026 refinance rates: 30-year fixed: 5.85% (avg), range 5.80-6.15%. 15-year: 5.10%. FHA streamline: 5.50%. VA IRRRL: 5.20%. Cash-out: 6.10%. Rates are near 3-year lows. Best rate: 5.80% (Better.com, PenFed). Rates dropped after 3 Fed cuts in late 2025. May drop further if Fed cuts again in 2026. Compare refi rates →
“is it worth refinancing right now?”
YES, if your current rate is 6.50%+. At $350K loan: refi from 7% to 5.85% saves $258/month ($92,880 over 30 years). Break-even: 12-18 months. Rule of thumb: refinance if you can lower rate by 0.75%+, plan to stay 3+ years, and closing costs are reasonable ($3,000-$6,000). Better.com charges $0 lender fees.
“how low will refinance rates go in 2026?”
Forecast: 30-year refi rates could reach 5.50-5.75% by end of 2026 IF the Fed cuts 2-3 more times. Current: 5.85%. Floor prediction: 5.25-5.50%. Risk: if inflation rises, rates could jump back to 6.50%+. Strategy: lock now at 5.85% — it's already near 3-year lows. You can always refinance again if rates drop further. Compare refi rates →
“how much does a refinance cost?”
Average closing costs: $3,000-$6,000 (1-2% of loan). Lenders with $0 fees: Better.com, SoFi, PenFed, Freedom Mortgage. No-closing-cost option: higher rate (0.25-0.50% more) but $0 upfront. On $350K refi: traditional costs $3,500-$7,000. Break-even: 12-24 months of savings. After break-even: pure profit every month.
Frequently Asked Questions
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📉 Don't Miss These 3-Year Low Refi Rates
30-year: 5.85% · 15-year: 5.10% · Save $150-$524/month
Compare 10+ lenders in 2 minutes. No obligation. See YOUR rate.
David Rodriguez
Refinance & Rate Specialist · NMLS #234567 · 12 Years Experience
David tracks daily refinance rate movements across 40+ lenders and has helped 10,000+ homeowners save an average of $250/month through strategic refinancing. He specializes in rate-and-term, cash-out, and FHA streamline refinancing.