Today's Mortgage Refinance Rates | Estimate Your Savings

Refi: Today’s Rates

#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=RATE#	#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=DESCR#	APR #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=APR#	Points¹ #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=POINTS#	Est. monthly payment #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=MONTHLY_PAYMENT#
#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=RATE#	#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=DESCR#	APR #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=APR#	Points¹ #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=POINTS#	Est. monthly payment #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=MONTHLY_PAYMENT#
#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=RATE#	#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=DESCR#	APR #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=APR#	Points¹ #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=POINTS#	Est. monthly payment #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=MONTHLY_PAYMENT#
^{Rates and monthly payments based on a $300,000 mortgage.}^{Rates include 0.125% autopay and paperless discount.}			²More info on rates and repayment

Traditional refinance

You could save thousands with a lower rate. That means extra cash for rainy days, sunny destinations and any of life’s ups and downs.

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Cash-out refinance

Tap into your home equity and get cash for all your exciting plans – and any unplanned expenses along the way.

Get My Rate

Flexible rates and terms

No hidden fees or prepayment penalties

Dedicated loan officers

Rate discounts, for even more savings

Commitment-free quotes

Easy online application

Breeze through our online application and see your options in minutes. Need a hand? No problem. Your dedicated loan officer is ready to help.

1. Review your options

Decide which loan is right for your finances and future plans. We can help.

2. See how much you could save

Estimate your refi savings. It's fast, free and easy to start online.

3. Personalize your loan

Choose the rate and term that’s best for your finances and future plans.

4. Get your money

Sign online, then get your money. Congrats, you’re ready for what’s next!

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Springfield, MO

Mortgage Refi FAQs

People refinance their existing home loans for a lot of great reasons, from saving money to paying off debt faster. Here are a few of the things refinancing can help you do:
- Lower your monthly payment
- Lower your interest rate
- Switch from an adjustable rate to a fixed rate, or vice versa
- Refinance for a higher amount to get cash or pay off other debts
- Shorten or extend the term on your loan
Whatever your needs, we can help you pick the refi plan and loan that’s right for you. Give us a call: (833) 461-1706.
It depends. With a fixed rate loan, the interest rate never changes. An adjustable rate mortgage (ARM) has an interest rate that’s fixed for a set number of years, then goes up or down based on a market index. When deciding which is right for you, consider how long you plan to stay in your home or keep your mortgage. Sticking around? A fixed rate may be best. Leaving soon? An ARM might make sense if you think you’ll sell your home before the rate becomes variable.

Have more questions? Get more answers in our full FAQs section.

Trading in your old mortgage for a better one could save you a lot of cash. But does it cost you a lot of hassle? Not when you know what to expect. We'll walk you through the process.

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#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=RATE#	#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=DESCR#	APR #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=APR#	Points¹ #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=POINTS#	Est. monthly payment #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=30 Year Fixed Rate\|ProductAttribute=MONTHLY_PAYMENT#
#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=RATE#	#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=DESCR#	APR #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=APR#	Points¹ #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=POINTS#	Est. monthly payment #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Fixed Rate Mortgage - Refinance\|Descr=15 Year Fixed Rate\|ProductAttribute=MONTHLY_PAYMENT#
#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=RATE#	#ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=DESCR#	APR #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=APR#	Points¹ #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=POINTS#	Est. monthly payment #ProductLine=Mortgage\|Brand=citizensbank\|Region=OH\|NAME=Conforming Adjustable Rate Mortgage - Refinance\|Descr=7yr/6m Fully Amortizing ARM\|ProductAttribute=MONTHLY_PAYMENT#
^{Rates and monthly payments based on a $300,000 mortgage.}^{Rates include 0.125% autopay and paperless discount.}			²More info on rates and repayment

Mortgage Refi

Refi: Today’s Rates

Which refi is right for you?

Traditional refinance

Cash-out refinance

Why refi with Citizens?

Flexible rates and terms

No hidden fees or prepayment penalties

Dedicated loan officers

Rate discounts, for even more savings

Commitment-free quotes

Easy online application

How it works

1. Review your options

2. See how much you could save

3. Personalize your loan

4. Get your money

Mortgage Refi FAQs

The mortgage refinancing process