#1 Lowest Refinance Rates ★★★★★
Lower your mortgage paymentor cash out your equity
Lower your rate
Reduce your interest rate and save thousands over the life of your loan
Cash-out refinance
Access your home's equity for renovations, debt consolidation, or investments
Close in 15 days
Fast processing with our streamlined refinance process
#1 Lowest Mortgage Rates ★★★★★
Lock in your lowest mortgage ratebefore lenders raise them again
to spend on holidays,
not your bank's bonus check
240+ wholesale lenders compete for your loan
These lenders don't work with consumers — only brokers like us.
No tricks. No fine print. Just the best deal or we pay you.
Trusted wholesale and retail lenders in our network:
Choose your refinance option
We'll help you find the best option for your financial goals
Rate & Term Refinance
Lower your interest rate or change your loan term to save money on monthly payments or total interest paid.
- Reduce monthly payments
- Save on total interest
- Switch from ARM to fixed rate
Cash-Out Refinance
Access your home's equity by refinancing for more than you owe and taking the difference in cash.
- Home improvements
- Debt consolidation
- Investment opportunities
Why Sups gets you the lowest refinance rates
Access to wholesale-only lenders that your current bank can't offer
Wholesale refinance advantages
240+ wholesale lenders compete for your refinance, including many that only work through licensed brokers. These wholesale lenders typically offer rates 0.25% to 0.75% lower than retail banks for refinances.
No loyalty penalty: Unlike staying with your current lender, we shop all available options. Many homeowners are surprised to learn their current bank's “retention” offers are still higher than wholesale rates we can access.
Specialized refinance programs: Access to cash-out refinance programs, streamline refinances, and rate-and-term options not available through traditional retail channels.
Refinance rate comparison
Staying with Current Lender:
- • Limited to their current rate sheet
- • “Loyalty” rates often still above market
- • No incentive to offer best terms
- • May require full re-qualification anyway
Sups Wholesale Refinance:
- • 240+ lenders competing for your loan
- • Wholesale rates 0.25-0.75% lower
- • Specialized refinance programs
- • Streamlined processes for qualified borrowers
Refinance questions answered
When should I refinance?
Generally when you can lower your rate by 0.5% or more, need cash out, or want to change loan terms. With wholesale access, even smaller rate improvements can make sense due to lower costs.
What's a cash-out refinance?
Replace your current mortgage with a larger loan and take the difference in cash. Popular for home improvements, debt consolidation, or investments. Wholesale lenders often have better cash-out terms.
How long does refinancing take?
Typically 15-30 days with our wholesale lenders vs 30-45 days with retail banks. Wholesale lenders are more efficient since they focus solely on loan processing, not consumer marketing.
Are there closing costs to refinance?
Yes, but wholesale lenders often have lower fees. Many offer no-cost refinance options where closing costs are built into the rate, or cash-back programs for qualified borrowers.