Free Mortgage Refinance Calculator — Check Your Rate in 30 Seconds

Use our free mortgage refinance calculator to see today's mortgage refinance rates from wholesale lenders. No application required. No credit check for your quote.

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Need cash? See how much equity you can unlock.

Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.

$1B+
In Mortgages Funded
10
States Licensed
30s
To Your Rate
Free
Free Rate Quote

How to Refinance Your Mortgage With Lendtrain

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.

  1. 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.

  2. Get Your Rate Quote

    We pull live wholesale rates for conventional and VA loans based on your exact scenario. No guessing, no estimates — real numbers.

  3. 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.

  4. 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.

How Much Cash Can You Get From a Cash-Out Refinance?

A cash-out refinance replaces your current mortgage with a new loan. The cash available is based on your estimated home value, current payoff, closing costs, credit profile, and program limits.

Lendtrain uses the numbers you enter to estimate your new loan amount and estimated cash to you. You can see the estimate before an application.

The quote shows the new loan amount, current payoff, closing costs, and estimated cash to you so the math is easy to check.

Frequently Asked Questions

Common questions about mortgage refinancing with Lendtrain.

How much could I save by refinancing?
It depends on your current rate, loan balance, and how long you plan to stay in your home. Our free rate check shows you an estimated monthly payment and how it stacks up against what you pay now — in about 30 seconds. Rate quotes are estimates based on the credit score you enter. Actual rates may differ.
Is there a fee to check my rate?
No. The rate check is completely free. We do not charge you anything to see your estimated rate and closing costs. If you decide to move forward with a refinance, standard closing costs apply — and we show you those upfront.
Will checking my rate hurt my credit score?
No. We do not pull your credit to give you a rate quote. The rate check uses the credit score you enter to show you estimated rates. No hard inquiry is performed for your quote. Credit is pulled later if you choose to apply.
What types of loans can I refinance?
We offer refinance quotes for conventional and VA loans. This includes VA IRRRL options for eligible borrowers.
How long does a refinance take?
Getting your rate quote through Lendtrain takes about 30 seconds. If you decide to apply, a typical refinance takes 30 to 45 days from application to closing.
How much cash can I get with a cash-out refinance?
The amount depends on your home value, current mortgage payoff, closing costs, credit profile, and program limits. You typically need to keep some equity in the home. Lendtrain can show an estimate before you apply.

Refinance Guide Directory