Here’s exactly what happens when you use RefiRateFinder.
Wondering how RefiRateFinder works? No hidden steps, no fine print you find out about later. This is the whole process, start to finish.
You tell us the basics
ZIP code, what you’re looking to do (refinance or tap into home equity), and a little about your situation. Takes about a minute. No cost, no obligation, and checking your options doesn’t affect your credit score.
We match you with participating providers
Based on what you told us, we share your information with lenders and brokers in our network who work with borrowers in your situation. We’re compensated by these providers for the referral — that’s how RefiRateFinder stays free to use. Matching is based on fit for your ZIP code, loan type, and profile, not on which provider pays the most for a given referral.
Providers reach out directly
You’ll typically hear from matched providers by phone, text, or email within a short time of submitting the form. They’ll walk you through their actual offer — real rates, real terms, based on your specific situation.
You compare and decide — or walk away
Nothing about using RefiRateFinder obligates you to move forward with anyone. Compare what you’re offered, ask questions, and choose the option that actually works for you. Or decide none of them do. Either way, that’s entirely your call.
How RefiRateFinder works, in plain terms
We ARE
A free comparison and referral service. We connect you with lenders and brokers so you can see and compare real offers in one place.
We are NOT
A lender, mortgage broker, or bank. We don’t set rates, make credit decisions, or guarantee approval. Those decisions belong entirely to the provider you choose to work with.
How we make money
Participating lenders and brokers pay us when we refer someone to them. This is why the service is free to you — you never pay RefiRateFinder anything. We don’t rank or preference matches based on who pays us more, per CFPB guidance on how comparison sites like ours should operate.
Your information
Submitting the form means your information goes to matched providers, who may contact you directly. Full detail is in our Privacy Policy.
We think it’s worth spelling this out plainly, because not every comparison site does. Regulators have specifically called out situations where a comparison tool steers people toward whichever provider pays the most, rather than whichever provider actually fits them best. That’s not how we operate, and now you know exactly how RefiRateFinder works behind the scenes, not just the parts that are convenient to advertise.
Questions about the process
Am I obligated to accept an offer?
No. Comparing offers through RefiRateFinder never obligates you to proceed with any lender or broker you’re matched with. You can review every offer, ask questions, and walk away from all of them if none fit what you’re looking for.
How many providers will contact me?
This varies based on your ZIP code, loan type, and provider availability in our network. Some users hear from one provider, others from several. There’s no fixed number, since it depends on which lenders and brokers currently serve your area and situation.
Can I stop being contacted?
Yes. Contact the specific provider directly to opt out of their outreach, or reach out to us and we’ll help. See our Privacy Policy for details on how to submit a request and what happens to your information afterward.
Ready to see your options?
It takes about a minute, and there’s no cost or obligation.
Check My Rate →