The Only Rate That Matters Is Yours.

Get Your Live, Custom Loan Quote in Seconds.

What RefiAlly Does

RefiAlly gives homeowners a simple way to check real mortgage options without the sales pressure. Our free tools let you compare loan scenarios, explore refinance savings, estimate cash-out amounts, debt consolidation comparisons and see how today’s rates impact your monthly payment.


No account. No email. No lender interaction. Just transparent, real-time loan information.

Price My Custom Rate Now!

Why Homeowners Use RefiAlly

  • Live Loan Pricing

See updated mortgage and refinance estimates instantly. Compare 15-year, 30-year, FHA, conventional, and cash-out scenarios side by side.

  • No Registration Required

Most mortgage sites force you to give your name and phone number. We don’t. You get real numbers without giving any personal info.

  • Free, Self-Serve Tools

Price your loan, run different mortgage scenarios, and check refinance options completely on your own—fast, simple, and accurate.

  • Perfect for Existing Homeowners

Explore cash-out refinance ideas, second-mortgage options, or payment comparisons for primary homes, rentals, and investment properties.

Live Market Indices

National Averages

The OBMMI™ methodology is straightforward, simply taking the average rate of all appropriate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed.

These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated on a daily basis and updated nightly with the previous day’s locks. Weekends and holidays are excluded due to lack of data. All applicable product types are included unless otherwise specified, and customers are categorized by mortgage company (82.49%), bank (15.30%), credit union (1.92%), and service provider (0.30%).

Locks prices do not account for any discount points or originations points charge by the lender or institution.

Stay Updated on Market Rates

Get weekly updates on rate trends, lending products and exclusive offers.

What Homeowner’s are Saying!

  • Happy Client

    “RefiAlly made refinancing simple and fast—locked in a great rate with zero stress!”

    Laurie Payton

  • A man with dark curly hair, glasses, and a beard looking to the side, sitting indoors with a light-colored wall and a potted plant in the background.

    “United Mortgage helped me pull cash out easily—professional, transparent, and efficient!”

    Jamie Kokot

  • A woman with shoulder-length black hair, smiling broadly, wearing a blue top, standing among green plants.

    “I checked my rate, applied online, and closed quickly—best mortgage experience I’ve had!”

    Lindsey Beumer