Mortgage Refinance

Refinance to reach your goals.

Plus, get up to 3% annualized cash back on your mortgage payment1 and a $0 lender fee2 when you refinance with us. Apply online or call 888-546-2634 to get started.

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What are today’s mortgage rates?

30-year fixed mortgages start as low as 5.375%/5.596% APR*. Get your personalized rate quote now or sign up for Rate Watch.

Purchase Rates
Refinance Rates

What’s your home refinance goal?

Refinance to a Fixed Rate Mortgage

Lock in a low interest rate with predictable monthly payments.

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Remove Mortgage Insurance

Save money by eliminating your monthly private mortgage insurance.

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Refinance for Debt Consolidation

Replace high-interest debt with a low-interest mortgage.

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Lower My Monthly Mortgage Payment

Reduce your mortgage payment and add flexibility to your monthly budget.

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Pay Off My Mortgage Faster

Shorten the length of your loan term, build equity quickly, and pay off your mortgage sooner.

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Fund Home Improvement

Access your property’s equity to finance renovations and increase home value.

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Why Axos?

We help you find the right refinance option to reach your goals:

  • Reduce your monthly payments.
  • Access home equity.
  • Consolidate high-interest debt.
Get Started

See what you could save.

Plug your scenario into our mortgage refinance calculator. We make it easy to see what a refinance could save you.

My Savings

Three Steps to Start

Check Rates

Tell us about your property. We’ll pull today’s rates.

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Apply Online

Start your application today. It’s quick and easy.

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Get Approved

Our loan officers will support you every step of the way.

What’s your home worth?

It pays to know what your home is worth. Find out in minutes.

My Home Value

What our customers are saying

My experience refinancing with Axos Bank was excellent, thanks to Uriel Jimenez. He provided personalized guidance, kept me informed throughout, and secured a fantastic rate. I highly recommend Axos Bank for a seamless refinancing experience.

Alan|Rapid City, SD

I just got a new loan for my duplex rental in the Pasadena area. The experience was great and the assistant that the loan officer, Melissa Wallen, provided along with her team member was greatly appreciated. The team was efficient and proficient from start to finish, and the whole process took only three weeks. Highly recommended.

Hong|Sierra Madre, CA

Every person I contacted went above and beyond to make this experience as smooth and streamlined as possible. They took the time to respond to my questions and concerns with the utmost professionalism and patience. I am thankful for all their assistance throughout this process and would not hesitate to work with them again in the future.

Laura|Barnegat, NJ

FAQs

What is a mortgage refinance?

Refinancing your mortgage means a bank or lender will essentially pay off your current mortgage and replace it with a new one.

How do you refinance a mortgage?

First, you’ll need to choose your refinance type. You can do that here. Then, you can get your documents ready and apply. We’ll help you get started.

How much does it cost to refinance a mortgage?

Refinancing your mortgage typically costs 2% to 5% of the new loan.

Can you refinance a fixed-rate mortgage?

Yes. It’s usually best to do so when interest rates are low. Track rates with our Rate Watch tool.

Can you refinance an adjustable-rate mortgage?

Yes, you can use new proceeds to refinance your adjustable-rate mortgage (ARM).

How often can you refinance a mortgage?

You can refinance a mortgage as many times as you want.

How soon can you refinance a mortgage?

It depends on the terms of your loan. Waiting periods can range from days to months after your home purchase. Call our experts at 888-546-2634 to better understand your specific mortgage scenario.

Can you refinance a second mortgage?

Yes, but you may have to meet certain requirements. Call 888-546-2634 to talk with a mortgage expert and discuss your options.

Articles and Tools

View All
Insight

Does a Mortgage Refinance Make Sense? Find Out in 4 Steps.

Thinking about refinancing your home loan? Here’s an easy 4-step process to evaluate your potential savings.

Read More
Insight

First-Time Mortgage Refinance Guide

Worried that refinancing your home loan will be more effort than it’s worth? Check out this guide to determine if a mortgage refinance is right for you.

Read More
Tool

Mortgage Refinance Calculator

See how a mortgage refinance may save you money. Get your estimated monthly savings and break-even point.

Learn More
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© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

Axos Bank NMLS# 524995

*

APR = Annual Percentage Rate. This offer is based on a $360,000 loan amount, 60% LTV (Loan-To-Value), taxes and insurance impounded, owner occupancy, single family residence located in 92122 zip code, credit score of 740, and a debt ratio of 26%. Rates are based on FNMA established criteria which may vary with loan characteristics and HUD loan limit guidelines. Credit and collateral are subject to approval. Terms and conditions apply. All approvals are subject to underwriting guidelines. Discount points = 1.625%. Rates effective as of 11/19/2025. A typical loan of $360,000 has 360 monthly payments of $2,015.90; APR 5.596%.

1

Account holder(s) maintains an average daily balance equal to two times the borrower’s monthly principal and interest payments of their eligible Axos Bank consumer loan or combined minimum monthly principal and interest payments if borrower has multiple eligible Axos Bank consumer loans. Eligible Axos Bank consumer loans and Total Loan Rewards Checking account must be active as of the first day of the evaluation month in order to be eligible for the cashback credit for that period. 3% annualized cashback credit earned on mortgage and auto loans (0.25% per month) is calculated using principal and interest payments only (excludes any additional escrow amount included in the monthly payment) on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. 10% annualized cashback credit earned on personal loans (0.83% per month) is calculated using principal and interest payments only on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. Monthly cashback credit is limited to $100. Axos Bank reserves the right to sell a loan at any time without notice and may result in termination of any future cashback credit based on that loan. Axos Bank may cancel the program or change the annualized cashback rate and account requirements at the Bank’s discretion any time without notice. Your total cashback value may be reported as miscellaneous income to the IRS on a 1099-MISC form.

2

On new first-lien mortgages, Axos Bank will waive its full lender fee for loan amounts of $250,000 and above or reduce its lender fee by $200 for loan amounts of less than $250,000 if deposit account conditions stated below are met. Applicant is responsible for all third-party fees and all prepaid items. To qualify for the lender fee discount, the mortgage applicant or co-applicant must currently own (as a primary or joint owner) or open a new Axos Bank, Axos Bank for Nationwide, or UFB Direct personal deposit account during the mortgage application process AND an available balance of at least $500 must be present in the qualifying personal deposit account at the time the Initial Closing Disclosure for the mortgage is issued. This offer may be modified or discontinued at any time. Please contact an Axos Bank Mortgage Loan Originator for additional details.

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