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Refi Rate Guide Review
Refi Rate Guide Review
March 14, 2020 / Nadav Shemer
Refi Rate Guide Review
March 14, 2020 / Nadav Shemer
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Refi Rate Guide is an aggregator that connects home owners/buyers with refinance and purchase options from some of the USA's leading mortgage lenders. Refi Rate Guide is one of the biggest refinance comparison platforms on the internet, with hundreds of mortgage lenders in its network. All that’s required of you is to complete a short online form. Next, Refi Rate Guide’s algorithm scans through its network to find you the best lenders to suit your needs.

How it Works

Refi Rate Guide is an aggregator, not a broker or lender. What this means is that Refi Rate Guide collects your information and shares it with the brokers and lenders it thinks can offer you the best deals on your mortgage or refinance.

It takes only 2-3 minutes to fill out Refi Rate Guide’s online form. Best of all, it won’t affect your credit score and you won’t need to submit any documentation.

Here are the questions you’ll need to answer:

  • Purchase or refinance
  • Property description (single family, multi family, town house, condo)
  • Estimated credit rating
  • Have you found a home or are you still looking?
  • Type of property (primary, vacation, investment)
  • Estimated home value
  • Down payment
  • Preferred loan type (fixed, adjustable, or both)
  • Have you had any bankruptcies/foreclosures in the past 3 years?
  • Can you verify your income?
  • Have you had any late payments in the past year?
  • Have you or your spouse served in the military?
  • Do you have a banking or credit account with a major bank?

After entering your contacts details (name, address, phone, email), just wait a few seconds for Refi Rate Guide to generate results and send them to your inbox. You’ll also start receiving calls from lenders within a few hours of submitting the form.


  • Quick way of comparing refi options
  • Results sent to you by email in seconds
  • No effect on your credit score


  • Not an actual broker or lender

True to its name, Refi Rate Guide lets you quickly compare the mortgage refinance (and purchase) market in seconds. You could contact various lenders and find out what APRs they are offering for refinance. Or, you could fill out Refi Rate Guide’s short online form, wait a few seconds, and then check your inbox for personalized matches.

As a matching service, Refi Rate Guide can’t put you in touch with lenders without sharing your contact details. Most people are fine with this, but some users have reported being overwhelmed by with too many phone calls. That’s the major downside to this service. We’ll leave it up to you to decide if it’s a turn-off or not.

Types of Loans

Refi Rate Guide’s partners offer every type of mortgage loan in existence. Through Refi Rate Guide, you can find lenders willing to help you purchase a home or refinance an old mortgage. Most partners offer a choice between fixed and adjustable rates. Some of Refi Rate Guide’s partners even offer home equity loans.

Here’s a full breakdown of the main home loans you can find through Refi Rate Guide:

  • Conventional (conforming) loan
  • Jumbo loan
  • FHA loan
  • VA loan
  • USDA loan
  • Home equity loan / HELOC
  • Cash-out refinance
  • Reverse mortgage

Loan Features

Each lender in Refi Rate Guide’s network determines its own loan features, and it’s fair to say these features vary significantly from lender to lender. Herein lies the main benefit of using the Refi Rate Guide service: its platform lets you easily compare rates, terms, and loan features from different lenders.

Aside from being a matching service, the Refi Rate Guide platform has two additional features worth mentioning here:

  • It offers a free overview of your credit score and history (link provided after you complete the Refi Rate Guide online form)
  • It offers deals from third-party services closely related to the mortgage industry, such as ID theft protection and a review of your 401(k).

Rates and Terms

Refi Rate Guide works with hundreds of lenders, so the rates and terms vary significantly. The great thing about Refi Rate Guide is that it takes your borrower profile (based on your estimated credit score and other information your provide) and matches you with the lenders it thinks can give you the best rates.

Contact Refi Rate Guide

Refi Rate Guide is purely an online matching service, and does not offer any customer support. That means no contact phone number, no email, and no physical branches.


Starting out your mortgage search or having trouble finding a suitable lender? With a massive network of hundreds of mortgage lenders, Refi Rate Guide can kick-start your search. The service is free to use and requires very little effort on your part. Simply fill out Refi Rate Guide’s short online form (it only takes 2-3 minutes), and you’ll receive tailored results to your inbox in minutes.

Get started now, visit Refi Rate Guide
By Nadav Shemer
Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. Nadav writes for He enjoys writing about the latest innovations in financial services and products.
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