See my rates

Refinance without the runaround.

Lower your rate, shorten your term, or take cash out. See the break-even before you commit.

See my refinance rate

No credit check. No phone number.

Should I refinance right now?

A lower rate is only part of it. Three questions decide whether a refinance pays off for you.

  1. 01

    Is today’s rate lower than yours?

    A lower rate cuts your payment, but closing costs come first. The break-even shows the month the savings pass what you paid to close.

  2. 02

    How long will you keep the loan?

    If you might sell or refinance again before that month, the savings never arrive.

  3. 03

    Do you need cash or a different term?

    Taking cash out or shortening your term can make sense even without a lower rate. Compare the total cost, not only the payment.

Two ways to refinance.

New rate or term

Replace your current mortgage with a new one at a different rate, a different term, or both. You don’t take cash out.

Common reasons

  • A lower rate than you have now
  • A shorter term, to pay off your home sooner
  • Moving from an adjustable rate to a fixed one

You’ll see: Monthly savings, total closing costs, and the month you come out ahead.

Run my break-even

Cash-out

Replace your mortgage with a larger one and take the difference in cash. How much you can take depends on your home’s value, what you owe, and your state’s rules.

Common reasons

  • Home improvements
  • Paying off higher-rate debt
  • A large expense

You’ll see: How much cash you can take, your new payment, and what it costs to close.

Compare home equity optionsEstimate my cash-out

What you get with Lendid Direct.

We refinance conventional, jumbo, FHA, and VA loans, including cash-out, FHA streamline, and VA IRRRL.

  • Your rate first. See today’s rate for your scenario with no signup, no credit check, and no phone number.
  • Lock it yourself. Apply, see your exact rate, and lock it without talking to anyone.
  • An advisor if you want one. You get an assigned, named, licensed mortgage advisor, reachable by message.
  • Nobody is calling to sell you.
  • Multiple wholesale lenders. Your loan is structured across them, not tied to one bank.

From rate to a lower payment.

  1. 01

    See your rate

    Compare today’s refinance rates against what you’re paying now.

  2. 02

    Run the break-even

    See monthly savings, total closing costs, and the month you come out ahead.

  3. 03

    Lock your rate

    Lock once you decide.

  4. 04

    Track it to closing

    Appraisal, title, and underwriting in one dashboard, with every date in view.

Calculate the possibilities.

Estimate a payment, see what you can afford, and check whether a refinance pays off. No sign-in, no credit check.

Explore all calculators

Read before you refinance.

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See your rate.

No credit check.No phone number.

See my refinance rateOr see cash-out rates
Licensed in Texas, Florida, Colorado, and Oklahoma.
Equal Housing Opportunity
NMLS 1470572Lendid Loans, LLC · NMLS #1470572

Lendid Direct is a dba of Lendid Loans, LLC · NMLS #1470572 · Equal Housing Opportunity

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

All rates shown are for informational purposes only and are subject to change without notice. Actual rates may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

5900 S Lake Forest Dr, Ste 300, McKinney, TX 75070

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

© 2026 Lendid Loans, LLC. All rights reserved.

Rate disclosures

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

Each rate card on this site states the scenario it is based on and the time the rate was retrieved. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

Your actual rate, APR, points, and monthly payment depend on credit, property, occupancy, loan amount, loan-to-value, and program eligibility, and are confirmed only after underwriting.

APR (Annual Percentage Rate) reflects the total cost of borrowing including certain fees and closing costs, expressed as a yearly rate. APR may differ from the interest rate.

Closing timelines vary by file and by third parties including appraisers, title, and insurers. Refinancing may increase the total cost of your loan over its life.

Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.