Lower My Rate

Looking to reduce your mortgage rate? We're dedicated to finding the loan best suited to your needs. Start by exploring how a lower rate or payment could help you achieve your goals.

Looking for Savings Options?

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Contact a Loan Officer

Need assistance? Get in touch with a Loan Officer.
Explore Rate and Term Savings Options
Lower My Rate

A lower rate could mean long-term interest savings.
Today's Rates
Lower My Payment

A lower payment could mean immediate savings.
Get Estimates
Rapid Refi

Learn about the benefits of Rapid Refi.
Rapid Refi
Loan Options

Review term options, and find your perfect match.
Loan Types
Refinance Checklist

Our go-to guide for the refinance process.
Learn More

Lower My Rate

A lower rate could mean long-term interest savings.
Today's Rates
Lower My Payment

A lower payment could mean immediate savings.
Get Estimates

Rapid Refi

Learn about the benefits of Rapid Refi.
Rapid Refi
Loan Options

Review term options, and find your perfect match.
Loan Types
Refinance Checklist

Our go-to guide for the refinance process.
Learn More

Mortgage loans are subject to credit approval. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. Application approval is subject to complete underwriting review based on program guidelines; not all applicants may qualify. Limitations may apply. This is not a commitment to lend. PHH is not licensed to do business or originate loans for properties located in Hawaii.