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Here’s A Quick Way To Check If You’re Paying Too Much On Your Mortgage

Thousands of Americans have already used our free tool (below) to find and take advantage of mortgage refinancing discounts in 2025.

In 2025 most people already know their mortgage broker is not really their friend.

The truth is mortgage brokers are paid on commission and incentivized to sell homeowners the highest possible rate to increase their own paycheck.

For example, has your broker ever told you that if you got your mortgage before 2023 and live in a qualified ZIP code you can get an extremely high refinancing discount? And depending on your age you can get an even higher discount.

I’m talking about cutting your mortgage payment by as much as $207/month.1

The problem? There are thousands of mortgage lenders in the US. Over +4,800 to be more precise.

Finding the one best one for your specific state, your specific age, and your specific loan terms can be tough.

So we did the research for you.

And leveraged modern technology to build the tool below. It works in three quick steps:

  • Enter your ZIP code and loan details below.
  • A few seconds after you’ll see the top companies based on your details. Choose one and click “Next.”
  • On their website you’ll see your discounted quote after answering some basic questions. If you’re happy with the new rate they’ll guide you through the entire switching process.

The tool compares and finds you mortgage rates 0.81% lower than the national average based on your specific situation.2

It is one of the easiest ways to slash your monthly payment (save as much as $74,664 in interest payments over the life of your loan1).

Remember: You’re never locked into your current mortgage. If you’ve already made payments, you can very easily refinance mid-year without penalty, and keep your home equity.

Footnotes

  1. Based on comparison of top offers on Bankrate to Bankrate Monitor National Index for Q2 2025. Assumes a FICO score of 740, LTV between 75%-80%, loan secured by a single-family and owner-occupied home, loan amount of $390,500, and no prepayment penalty. ↩︎
  2. Based on comparison of Bankrate’s average 30-year fixed rate mortgage rates vs Freddie Mac 30-Year Fixed Rate Mortgage Average during Q2, 2025. ↩︎