RefiGuide offers prudent suggestions, dynamic commentary from experts in the industry, news, new home loan and refinance opportunities from leading banks and lenders and so much more.
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Founded in 2009, The RefiGuide began as a blog aiming to connect consumers with banks and mortgage lenders. Home buyers appreciate its practical, no-nonsense approach to mortgage and real estate topics.
Unlike traditional lending websites, the RefiGuide was built for everyday homeowners and buyers—not industry insiders. As our reputation for helpful and insightful content grew, so did its audience, reaching millions annually.
Learn moreYou don't need to be a scientist to figure it out. You shouldn’t have to get on a rocket to find a competitive home loan.
Our goal is to simplify mortgage refinancing and home buying, because it shouldn’t take a rocket Side-by-side comparisons, rate calculators and “how to” articles to help you make critical decisions in a timely manner.
Tell us more about your goals and financing needs and we'll suggest the appropriate loans for cash out, debt consolidation, home buying, construction and house renovation with helpful ways to improve your credit score and more.
When lenders reach out to you, you'll have a chance to learn about their full suite of mortgage and lending-related products, services, and offers.
Ohio’s housing market, with a median home price of $235,000 in the first three quarters of 2024, offers relative affordability compared to national averages, but the median down payment of $16,500 remains a significant barrier for first-time home buyers. A first-time home buyer, per HUD guidelines, is someone who hasn’t owned a principal residence in… Read More »
We published this article details Indiana’s best first-time home buyer grants and DPA loans in 2025 while connecting applicants with top lenders and banks. Indiana’s housing market, with a median home price of $253,026 in December 2024, remains relatively affordable compared to the national average, but the median down payment of approximately $25,000 poses a… Read More »
We published this guide to highlight Oklahoma’s top 2025 first-time home buyer grants and DPA loans, includes reference links for state and local initiatives, and presents two case studies to illustrate their impact. Oklahoma’s housing market, with a median home price of $236,000 in January 2025, offers affordability compared to national averages, but the median… Read More »
Buying a home in Oregon can be challenging but if you take advantage of OR first time home buyer grants and down payment assistance you may reap the benefits of homeowernship. Oregon’s housing market, with a median home price of $508,100 in January 2025, presents significant challenges for first-time home buyers, particularly in high-cost areas… Read More »
In the state of Washington, first-time home buyer, is a person who has not owned and occupied a principal residence in the past three years, with exceptions for buyers in targeted areas. We published this guide to examine Washington’s top 2025 first-time home buyer programs, down payment assistance, grants and links for state and local… Read More »
Utah first time home buyers are blessed with many opportunities that include a variety of state, local, and federal programs to make homeownership more accessible through UT down payment assistance, house buying grants, and low-interest mortgages. The RefiGuide published this guide to reveal the top 2025 Utah first-time home buyer programs, provides reference links for… Read More »
Thousands of home buyers are looking to buy a home in Tennessee in 2025 with decreased inflation, reduced mortgage rates and attractive TN home buying grants. We published this Tennessee first-time home buyer guide so consumers can get help finding home buying grants with statewide and local down payment assistance and lending incentives that make… Read More »
There are a variety of state, local, and federal programs that offer Virginia first time home buyer down payment assistance (DPA), grants, low-interest home loans and tax credits to make buying a home easier. We published this article to outline Virginia’s 2025 first-time home buyer programs, including statewide and local initiatives, provides lender references, and… Read More »
The good news for Colorado home buyers in 2025 is there are a variety of state, local, and federal programs offer down payment assistance (DPA), grants, low-interest home loans, and tax incentives to make homeownership more accessible. The RefiGuide published this guide to uncover the best Colorado first-time home buyer programs, including statewide and local… Read More »
A MD first-time home buyer, per HUD guidelines, is someone who hasn’t owned a principal residence in the past three years and is applying for a home loan in Maryland. We published this post to detail the trusted and proven Maryland first-time home buyer programs, including down payment assistance, grants, and local incentives, with two… Read More »
Purchasing a first home in Hawaii is a dream for many, but the state’s high cost of living and median home prices—around $740,000 as of February 2025—can make it daunting. Fortunately, a variety of trusted programs exist to support HI first-time home buyers, offering down payment assistance, grants, low-interest loans, and tax credits. These Hawaiian… Read More »
The future looks bright for first time home buyers in Pennsylvania in 2025 because there are attractive offers for down-payment assistance, home buying grants and affordable housing. Today, the Pennsylvania housing market continues to challenge first-time home buyers with a median home sale price of $275,000 and an average down payment of approximately $38,062 for… Read More »
Buying your first first home in North Carolina can be an intimidating yet exciting milestone, especially given the state’s diverse housing market and rising home prices. In 2024, the median home sale price in North Carolina was $355,000, with first-time buyers facing an average down payment of $37,412. Fortunately, North Carolina offers a variety of… Read More »
In 2025, New Jersey’s housing market remains a challenging yet promising landscape for first-time homebuyers, with median home prices at $538,300, a 9% year-over-year increase, far above the national median of $418,478. Despite high costs, especially near New York City, first-time buyers—defined as those who haven’t owned a home in the past three years—can leverage… Read More »
For first-time homebuyers in Georgia, 2025 offers a wealth of opportunities with down payment assistance and affordable mortgage loans to achieve homeownership despite rising home prices and competitive markets. With the median home price in Georgia at $367,000, significantly below the national average of $425,061, the state remains an attractive destination for new buyers. Georgia… Read More »
In 2025, with home renovation spending projected to rise by 1.2% to $477 billion, homeowners are increasingly considering cash-out refinances to fund home improvements. A cash-out refinance replaces your existing mortgage with a larger loan, allowing you to access the difference in cash to finance projects like kitchen remodels, bathroom upgrades, or home additions. However,… Read More »
Done correctly, refinancing a mortgage can be a strategic move to lower interest rates, reduce monthly payments, or access home equity for other financial goals. For many, however, providing traditional income documentation like W-2s or tax returns poses a challenge, particularly for self-employed individuals, retirees, or those with non-traditional income sources. Therefore, millions of homeowners… Read More »
Credit card refinancing is a financial strategy aimed at managing or reducing high-interest credit card debt by replacing it with a more favorable financing option. This approach typically involves consolidating credit card balances into a single loan or transferring balances to a card with a lower interest rate. With credit card interest rates often exceeding… Read More »
The relationship between bond rates and mortgage rates is a critical topic for understanding housing market dynamics. Bond rates, particularly those of U.S. Treasury securities, serve as a benchmark for various interest rates, including those for mortgages. This article explores how changes in bond rates influence mortgage rates, the mechanisms behind this relationship, and the… Read More »
The trajectory of mortgage rates in 2025 remains a critical concern for prospective homebuyers, homeowners looking to refinance, and industry stakeholders. After a volatile period marked by high inflation, Federal Reserve interventions, and shifting trade policies, the question of whether mortgage rates will fall in 2025 is complex. Will Mortgage Rates Come Down? This article… Read More »
