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  1. Today's competitive refinance rates †. View current refinance rates for fixed-rate and adjustable-rate mortgages, and get a custom rate. Rates based on a $200,000 loan in ZIP code 95464. Home value* $.

  2. Refinance rates valid as of 03 May 2024 09:55 a.m. Eastern Daylight Time and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance.

  3. Refinance rates valid as of 22 May 2024 09:35 a.m. Eastern Daylight Time and assume borrower has excellent credit (including a credit score of 740 or higher). Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance.

  4. Switching from an adjustable-rate mortgage (or ARM) to a fixed-rate mortgage is one of the most common reasons to finance. Learn more about a fixed-rate refinance loan Refinancing to lower your monthly mortgage payment

  5. Use this refinance calculator to see if refinancing your mortgage is right for you. Calculate estimated monthly payments and rate options for a variety of loan terms to see if you can reduce your monthly mortgage payments.

  6. View today's mortgage rates for fixed and adjustable-rate loans. Get a custom rate based on your purchase price, down payment amount and ZIP code and explore your home loan options at Bank of America.

  7. Refinancing to a fixed-rate mortgage is a good choice if you: Think interest rates could rise in the next few years and you want to keep the current rate. Plan to stay in your home for many years. Prefer the stability of a fixed principal and interest payment that doesn't change.

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