Loan Types8 min read
How Does a Home Equity Line of Credit Work?
How does a home equity line of credit work? A licensed broker explains HELOC draw and repayment phases, line limits, and what an open line means later.
Read moreLendtrain offers mortgage refinance rate quotes online. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional, VA, and jumbo loans, plus cash-out refinance. No credit check for your quote. Refinance guides available for all 10 states we service.
Home/Refinance
Refinance Your Mortgage With Lendtrain
Check today's wholesale refinance rates in about 30 seconds. See your estimated payment, closing costs, and savings, with no application and no credit check for your quote.
$1B+
In Mortgages Funded
10
States Licensed
30s
To Your Rate
Free
Free Rate Quote
A Smarter Way to Refinance
Refinancing replaces your current mortgage with a new loan — usually to lower your rate, change your term, or tap your home's equity with a cash-out refinance. The hard part has always been figuring out whether the numbers actually work for you.
As a licensed mortgage broker, Lendtrain shops live wholesale rates across conventional, VA, and jumbo products on your behalf — no retail bank markup. Our AI builds a customized rate and closing cost estimate in about 30 seconds so you can decide with real numbers, not guesses. See how it works.
Explore Your Refinance Options
Different goals call for different loans. See which refinance path fits your situation.
Cash-Out Refinance — Check Your Rate in 30 Seconds
Check cash-out refinance rates in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). No credit check for your quote. See estimated cash available.
Check rates →VA IRRRL — Streamline Your Existing VA Loan
VA IRRRL (Interest Rate Reduction Refinance Loan) rate check in about 30 seconds. Licensed broker (NMLS# 1844873). For veterans with an existing VA loan.
Check rates →Jumbo Refinance — For Loans Above the Conforming Limit
Jumbo refinance rate check in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). For loans above the FHFA conforming limit. Free rate quote.
Check rates →How It Works
No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.
Enter Your Mortgage Details
Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.
Get Your Rate Quote
We pull live wholesale rates based on your exact scenario. No guessing — real numbers.
See Your Monthly Savings
See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.
Lock Your Rate and Apply
Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.
Takes about 30 seconds. No credit check for your quote.
Refinance Guides by State
Lendtrain is licensed in 10 states. Pick yours for local refinance details, closing-cost notes, and a free rate check.
From the Blog
Recent mortgage refinance explainers from Lendtrain.
Refinance Basics7 min read
Mortgage Broker vs. Bank for Refinance
Mortgage broker vs. bank refinance compared for homeowners deciding where to price a new mortgage.
Read moreCredit Score10 min read
Will a Refinance Affect Your Credit Score?
Will refinance affect credit score? A mortgage swap is usually close to neutral, while strategic debt payoff may improve utilization and your score.
Read moreReady to Check Your Rate?
Check your mortgage refinance rate in about 30 seconds. No application required. No credit check for your quote.
Your information is encrypted and never sold. No SSN required.
Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.