Free, unlimited refinances. For life.*
Refinance unlimited times at no extra cost when rates drop. Move fast today, save forever.
Get my free quote- No credit impact
- Zero fees
- Fast approval
Save $3,000+ every time your refinance
Eliminate thousands in lender fees on every future refinance
Start the process
No limit on refinances
Rates dropped again? Refinance again. As many times as you want, whenever it makes financial sense.
Start your refinanceFrequently Asked Questions
What’s Mr.Rate’s “Free refinance” program?
When you buy or refinance through Mr. Rate, you’ll have the option to drop your rate in the future without paying the usual lender fees. That means no charges for origination, underwriting, processing, or admin work.
To be eligible, you must have completed a first-lien refinance with Mr. Rate on or after December 1, 2018. As always, approval depends on underwriting and credit review.
How does free refinances save me money?
Normally, refinancing comes with hefty costs that can run into thousands of dollars. With this program, Mr. Rate covers those expenses, allowing you to adjust to a lower rate without the added financial hit.
Over time, this can mean bigger savings while keeping your monthly payments lower.
Is there a limit to how many times I can refinance?
Yes, absolutely. There’s no cap on the number of times you can refinance with Free Refi For Life.
Anytime rates improve or your financial needs change, you can apply again and keep your savings intact — no lender fees involved.
*Terms and Conditions
Offer not valid for subordinate simultaneous or HELOC closings and only applicable for first lien mortgage loans originated by Mr. Rate. Not applicable to Brokered loans or Reverse mortgages. Offer exclusively waives Mr. Rate’s retained fees, to include origination, underwriting, processing, and administrative fees. Offer not applicable for discount points, or any third-party settlement service fees, such as Title, Settlement, Appraisal, Credit Report, Commissions, or other similar settlement provider fees. Customer must have closed previous first-lien refinance transaction on or after December 1, 2018, with Mr. Rate and at least six (6) months prior to any subsequent applications. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. All applications are subject to underwriting and credit approval. Other conditions or restrictions may apply. Call for complete details.
