Refinance guides
Straight answers about refinancing, with the rules cited from VA, HUD, the CFPB, Fannie Mae and Freddie Mac.
When should you refinance your mortgage?
A plain-English checklist for deciding if now is the time.
How much does a 1% rate drop save?
Monthly and yearly savings by loan amount, and when it's worth it.
VA IRRRL: the VA streamline refinance, explained
Seasoning, the rate test, 36-month recoupment and the funding fee.
FHA Streamline refinance: rules, MIP and refunds
Seasoning, the benefit test, MIP refunds and 2026 annual MIP.
Free calculators
Refinance calculator
Savings, break-even and long-run cost.
Break-even calculator
Months until a refinance pays for itself.
VA IRRRL calculator
Rate-drop, recoupment and funding fee checks.
Today’s rates
See today’s refinance rates, updated every business day, or pick your state on the rates page.
Go Direct Lenders, LLC DBA Veterans Direct | NMLS ID 1028986 | Equal Housing Opportunity. Not affiliated with the Department of Veterans Affairs or any government agency. By refinancing an existing loan, the consumer’s finance charges may be higher over the life of the loan.