Today’s refinance rates.
Representative conventional refinance rates below — enter your details for a quote on your specific loan.
Representative refinance rates
Representative options before your scenario — your exact rate depends on your details.
- 7.125%Rate7.172%APR$476 lender credit$2,695/mo principal & interest
- 7.250%Rate7.250%APR$2,448 lender credit$2,729/mo principal & interest
- 7.375%Rate7.375%APR$4,240 lender credit$2,763/mo principal & interest
Source: disclosed lender rate sheet, generation 0f6a5d4e-87e2-4a93-b054-1ce4a2163d61, effective 2026-10-02.
Important rate disclosures
- Rates as of October 2, 2026 10:40 AM MDT. Updated at least once daily and subject to change without notice as the market moves.
- The rates shown are representative rates compiled by NetRate Mortgage for our licensed states, based on these assumptions: a $400,000 first-lien rate-and-term refinance loan on an owner-occupied primary residence single-family in Colorado, 25% down (75% LTV), 780 FICO credit, 30-year fixed-rate conventional — each rate is shown with its accompanying discount points or lender credit. Your actual rate and terms depend on your scenario — loan amount, property type and use, down payment, credit, and other factors — and may differ from the rates shown.
- Each rate is shown with its Annual Percentage Rate (APR), the cost of credit as a yearly rate including certain fees. Compare loans using the APR.
- Mortgage rates change frequently with the market and may be higher or lower by the time you apply or lock a rate.
- This rate information is for illustration only. It is not an offer, commitment, or approval to extend credit, and it is not a Loan Estimate. Your available rate and terms are confirmed only after you apply and we review your specific situation.
- To confirm the rate and terms available for your scenario, contact NetRate Mortgage at 303-444-5251.
- NetRate Mortgage LLC is a licensed mortgage broker, NMLS #1111861.
- Any monthly payment shown is principal and interest only for the stated loan amount and term; it excludes taxes, insurance, and other amounts, so your total monthly payment will be higher.
- NetRate Mortgage is licensed in CA, CO, OR, and TX; displayed rates and loan availability are limited to these states.
Assumptions (refi-band-scenario-v1) and disclosure text (rate-display-disclosure v1.0.0). Reg Z §1026.24 · MAP Rule (12 CFR §1014).
What you're looking at
These are today's representative par rates with our standard compensation built into the APR — not a teaser rate. Points and fees are included in the APR so you can compare apples to apples. Your actual rate depends on your scenario.
If your current rate is above 6.5%, the math on a refinance is probably worth running. If it's below 5%, usually not — unless you're taking cash out or shortening the term.
Closing costs run $3,000–$5,000 on a typical refinance. Divide that by your monthly savings to get your break-even. The refi analyzer runs that math for you.