Lenders compete for your mortgage refinance without one phone call

100% accurate real-time interest rates. No more time wasted on the phone. No more fear of bait and switch.

As low as 2.625%, 2.800% APR on a 30-year fixed conventional loan as of 2/25/21

Our trusted lenders provide us wholesale interest rates

These are not the same rates they provide directly to you, or that are offered on most other websites. These low interest rates are only available through SELFi — simply because we believe you deserve fair rates.

Why work with SELFi?

1. Lower Interest Rates

Our marketplace of lenders compete for your loan with real interest rates, in real time.

2. Speed

Since we empower you to shop and apply, most loans close in under 30 days.

3. Transparency

Unlike other mortgage sites, we are focused on educating and empowering you. 

Why are rates lower with SELFi than working directly with the lender? 

It’s because lenders provide us wholesale interest rates

Average U.S. Mortgage Rates (weekly)

FreddieMac: Primary Mortgage Market Survey (PMMS)

Which option is right for you?

Our advice is to think about how long you anticipate owning your home and calculate the break-even point.

The longer you own your home and have this mortgage, the more you benefit from a lower rate. Conversly, if you think you may sell your home in a few years, it’s likely more beneficial to choose a rate that provides a lender credit.


Need help defining your refinance goals?

Check out CEO Joseph Flannery’s advice on When to Refinance and our DIY Refi Guide.