How Does Refily Work?

Refily is the Home Refinance lender comparison tool you've been waiting for. We take the manual work out of your lender search, matching you with lenders to meet your refinance needs.

Taking the Stress Out of Home Refinance

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Let us know your refinance preferences and we’ll take care of the rest.

  • No SSN Required
  • Only takes 5 mins (No hassle, no headaches!)

Compare & Save

We'll show you the best lender options, personalized for your needs.

  • You’ll first be matched to 1 lender that best fits your needs
  • Then easily compare other lenders – all in one place
  • 100% transparency – We’ll break down everything (Estimated rates, costs, fees** – No surprises here!)
  • You’ll also see what type of mortgage we think could best fit your needs and your goals.

Frequently Asked Questions

Why Choose Refily?

Research shows that when refinancing a mortgage, consumers who don’t shop around don’t save as much money. We are dedicated to helping homeowners feel confident about making the best choice by providing them with the information they need.

Based on what your priorities are, whether it’s getting a lower monthly payment, saving money on your mortgage overall, or even refinancing into a completely different type of loan, our technology-driven mortgage comparison tool will give you tailored recommendations**.

With Refily, you can compare up to 3 different lenders and see estimated rates, closing fees, monthly payment, and much more, to get an idea on what they can offer you. In addition to being able to compare lender options, we will also provide a mortgage type recommendation** based on what you’ve submitted because everyone’s situation is different and there could be a different mortgage type that’s a better fit for you and what you’re trying to achieve.

Does Refily Charge Any Fees?

No, Refily does not charge any fees for its lender matching and comparison services. You can quickly compare up to 3 different lenders at no cost to you.

If you decide to move forward with any of your matched lenders, there are costs that are set by the lenders such as closing fees. There are options, however, where the closing fees can be rolled into the loan in exchange for a slightly higher interest rate so you don’t have to pay out of pocket, depending on the lender and your own financial profile.

Who Should Use Refily?

Anyone who is interested in making the most of comparing their mortgage! Refily wants to help all homeowners and is focused on providing all the necessary information to help them make the best choice for themselves.

We not only provide information on estimated rates and important refinance details for different lender options to compare, but we can also show you how much you could get from your home with a cash-out refinance, what your monthly payment could look like with a potential lower rate as well as a mortgage type recommendation** based on your financial priorities.

Is My Personal Information Secure?

Yes, your personal information is secure and safe with us. All of your information is encrypted to prevent unauthorized access. We do not ask for your SSN, bank account number or any kind of information that could jeopardize you.

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