The team at Best Refinance Rates has spent hours researching rates from the top lenders to figure out which ones tend to be the most affordable. To make sure we only include the best companies in the industry, we consider the average rates, APRs, fees, and closing costs that each one offers. It’s important to keep in mind that rates will vary due to a multitude of factors, including home value, the homeowner’s credit score and employment status, and the status of the housing market as a whole. Based on our research into current trends, we’ve created the ratings and reviews you see here as convenient guides to the best refinance rates available.