How we make money and maintain transparency
Transparency Commitment
Refinancerate.com is committed to transparency in how we operate and generate revenue. This disclosure explains how we make money and how our business relationships may influence the content you see.
Refinancerate.com generates revenue through the following methods:
When you submit a quote request through our website, we share your information with licensed lenders and mortgage brokers in our network. We receive compensation from these lenders for each qualified lead.
Compensation may be a flat fee per lead or a percentage of the loan amount if you close a loan with one of our partner lenders. The amount we receive does not affect the rate or terms you are offered by lenders.
Some links on our website (such as links to financial products, tools, or services) may be affiliate links. If you click on these links and purchase a product or service, we may earn a commission.
Affiliate relationships do not influence our editorial content or recommendations. We only recommend products and services we believe are valuable to our audience.
We may display advertisements from third-party ad networks on our website. We earn revenue when visitors view or click on these ads. We do not control the content of third-party advertisements.
Occasionally, we may publish sponsored articles or content paid for by third parties. Sponsored content will always be clearly labeled as "Sponsored" or "Paid Partnership" at the top of the article.
We work with a network of licensed mortgage lenders and brokers who pay us to receive leads generated through our website. These lenders are selected based on:
We do not receive higher compensation for referring you to one lender over another. Our goal is to connect you with multiple lenders so you can compare offers and choose the best option for your needs.
The mortgage rates displayed on Refinancerate.com are national averages compiled from publicly available sources, including government data and industry surveys.
These rates are NOT guaranteed and may not reflect the rate you will receive. Your actual rate will depend on:
The only way to get an accurate, personalized rate quote is to submit a loan application and receive a Loan Estimate from a lender.
While we earn money through lead generation and affiliate partnerships, our editorial content is independent and not influenced by advertisers or lender partners.
Our guides, articles, and educational content are written to provide accurate, unbiased information to help you make informed refinancing decisions. We do not let advertising relationships dictate what we publish or recommend.
You are never obligated to work with any lender we refer you to. Submitting a quote request on our website does not commit you to anything. You are free to:
Our service is free to you. Lenders pay us for leads, not borrowers.
When you submit a refinance quote request on our website:
You control the process. You decide which lenders to respond to, which offers to consider, and whether to proceed with a loan.
In addition to lender partners, we may have business relationships with:
These relationships do not affect the advice or information we provide. You are never required to use any affiliated service.
Refinancerate.com complies with the Federal Trade Commission's (FTC) guidelines on advertising disclosures and endorsements. We clearly disclose our relationships and financial interests in accordance with FTC rules.
For more information about FTC advertising guidelines, visit FTC.gov.
We believe in operating with transparency and integrity. If you have questions about how we make money, our lender relationships, or how we select partners, please contact us at mccoy@betteroffers.com.
We may update this Advertising Disclosure from time to time to reflect changes in our business relationships or revenue sources. When we make changes, we will update the "Last Updated" date at the top of this page.