Mortgage refinance

Refinance for financial flexibility

Your needs and financial situation can change — so can your mortgage loan.

Calculate your rate

Consider your home refinance goals

What's your reason for mortgage refinancing?

Maybe you want to lower your monthly payment, change the loan term, get a lower interest rate, or tap into your home equity for other expenses.

Why refinance your mortgage >

How a cash-out refinance works

Accessing the equity in your home could be an alternative to using other financing options with higher interest rates.

Learn more about cash-out refinance >

Mortgage calculator

Estimate your monthly payments, annual percentage rate (APR), and mortgage interest rate to see if refinancing could be the right move. 

Run the numbers >

Do you know what your home is worth?

Current Wells Fargo customers can track neighborhood estimated home values, learn ways to increase the value of their homes, explore home improvement opportunities, and much more. Claim your home now to get started.

Refinancing FAQs

Yes. There are costs related to processing any new loan application; they can include fees paid to third parties, such as an appraiser and the title company, and other closing expenses.

Interest rates are influenced by the financial markets and can change daily – or multiple times within the same day. The changes are based on many different economic indicators in the financial markets. View our current interest rates.

The origination charge is the amount charged for services performed on the initial loan application and loan processing. This includes all charges (other than discount points) that lenders and brokers involved in the transaction will receive for originating the loan. It includes any fees for application, processing, underwriting services, and payments from the lender for origination. Learn more about closing costs.

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If you are a service member on active duty, an eligible spouse, partner, or dependent, or currently receiving SCRA benefits, please consult with your legal advisor prior to seeking a refinance of your existing mortgage loan. In some cases, a refinance may impact your eligibility for benefits under the Servicemembers Civil Relief Act or applicable state law.

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.