State Refinance Guides
Detailed refinance information for all 50 states including rates, programs, and local regulations
Written by Bill McCoy, CA DRE #01212512 • 15+ years experience
Currently covering 50 states
Alabama
Guide to refinancing in Alabama. Current rates, state programs, costs, and lender options for Alabama homeowners.
Alaska
Guide to refinancing in Alaska. Current rates, state programs, costs, and lender options for Alaska homeowners.
Arizona
Guide to refinancing in Arizona. Current rates, state programs, costs, and lender options for Arizona homeowners.
Arkansas
Guide to refinancing in Arkansas. Current rates, state programs, costs, and lender options for Arkansas homeowners.
California
Complete guide to refinancing in California. Current rates, state programs, costs, and expert advice from a licensed CA broker.
Colorado
Guide to refinancing in Colorado. Current rates, state programs, costs, and lender options for Colorado homeowners.
Connecticut
Guide to refinancing in Connecticut. Current rates, state programs, costs, and lender options for Connecticut homeowners.
Delaware
Guide to refinancing in Delaware. Current rates, state programs, costs, and lender options for Delaware homeowners.
Florida
Complete guide to refinancing in Florida. Current rates, hurricane insurance impacts, doc stamps, intangible tax, and expert advice.
Georgia
Guide to refinancing in Georgia. Current rates, state programs, costs, and lender options for Georgia homeowners.
Hawaii
Guide to refinancing in Hawaii. Current rates, state programs, costs, and lender options for Hawaii homeowners.
Idaho
Guide to refinancing in Idaho. Current rates, state programs, costs, and lender options for Idaho homeowners.
Illinois
Guide to refinancing in Illinois. Current rates, state programs, costs, and lender options for Illinois homeowners.
Indiana
Guide to refinancing in Indiana. Current rates, state programs, costs, and lender options for Indiana homeowners.
Iowa
Guide to refinancing in Iowa. Current rates, state programs, costs, and lender options for Iowa homeowners.
Kansas
Guide to refinancing in Kansas. Current rates, state programs, costs, and lender options for Kansas homeowners.
Kentucky
Guide to refinancing in Kentucky. Current rates, state programs, costs, and lender options for Kentucky homeowners.
Louisiana
Guide to refinancing in Louisiana. Current rates, state programs, costs, and lender options for Louisiana homeowners.
Maine
Guide to refinancing in Maine. Current rates, state programs, costs, and lender options for Maine homeowners.
Maryland
Guide to refinancing in Maryland. Current rates, state programs, costs, and lender options for Maryland homeowners.
Massachusetts
Guide to refinancing in Massachusetts. Current rates, state programs, costs, and lender options for Massachusetts homeowners.
Michigan
Guide to refinancing in Michigan. Current rates, state programs, costs, and lender options for Michigan homeowners.
Minnesota
Guide to refinancing in Minnesota. Current rates, state programs, costs, and lender options for Minnesota homeowners.
Mississippi
Guide to refinancing in Mississippi. Current rates, state programs, costs, and lender options for Mississippi homeowners.
Missouri
Guide to refinancing in Missouri. Current rates, state programs, costs, and lender options for Missouri homeowners.
Montana
Guide to refinancing in Montana. Current rates, state programs, costs, and lender options for Montana homeowners.
Nebraska
Guide to refinancing in Nebraska. Current rates, state programs, costs, and lender options for Nebraska homeowners.
Nevada
Guide to refinancing in Nevada. Current rates, state programs, costs, and lender options for Nevada homeowners.
New
Guide to refinancing in New Hampshire. Current rates, state programs, costs, and lender options for New Hampshire homeowners.
New
Guide to refinancing in New Jersey. Current rates, state programs, costs, and lender options for New Jersey homeowners.
New
Guide to refinancing in New Mexico. Current rates, state programs, costs, and lender options for New Mexico homeowners.
New
Complete guide to refinancing in New York. Current rates, mortgage recording tax, CEMA strategies, and expert advice.
North
Guide to refinancing in North Carolina. Current rates, state programs, costs, and lender options for North Carolina homeowners.
North
Guide to refinancing in North Dakota. Current rates, state programs, costs, and lender options for North Dakota homeowners.
Ohio
Guide to refinancing in Ohio. Current rates, state programs, costs, and lender options for Ohio homeowners.
Oklahoma
Guide to refinancing in Oklahoma. Current rates, state programs, costs, and lender options for Oklahoma homeowners.
Oregon
Guide to refinancing in Oregon. Current rates, state programs, costs, and lender options for Oregon homeowners.
Pennsylvania
Guide to refinancing in Pennsylvania. Current rates, state programs, costs, and lender options for Pennsylvania homeowners.
Rhode
Guide to refinancing in Rhode Island. Current rates, state programs, costs, and lender options for Rhode Island homeowners.
South
Guide to refinancing in South Carolina. Current rates, state programs, costs, and lender options for South Carolina homeowners.
South
Guide to refinancing in South Dakota. Current rates, state programs, costs, and lender options for South Dakota homeowners.
Tennessee
Guide to refinancing in Tennessee. Current rates, state programs, costs, and lender options for Tennessee homeowners.
Texas
Complete guide to refinancing in Texas. Current rates, Section 50(a)(6) rules, cash-out limits, and expert advice.
Utah
Guide to refinancing in Utah. Current rates, state programs, costs, and lender options for Utah homeowners.
Vermont
Guide to refinancing in Vermont. Current rates, state programs, costs, and lender options for Vermont homeowners.
Virginia
Guide to refinancing in Virginia. Current rates, state programs, costs, and lender options for Virginia homeowners.
Washington
Complete guide to refinancing in Washington State. Current rates, WA housing programs, costs, and expert advice.
West
Guide to refinancing in West Virginia. Current rates, state programs, costs, and lender options for West Virginia homeowners.
Wisconsin
Guide to refinancing in Wisconsin. Current rates, state programs, costs, and lender options for Wisconsin homeowners.
Wyoming
Guide to refinancing in Wyoming. Current rates, state programs, costs, and lender options for Wyoming homeowners.
What's in Each State Guide
Current Rates
Up-to-date refinance rates for 30-year, 15-year, ARM, and jumbo loans
State Programs
State-specific assistance programs and first-time homeowner benefits
Closing Costs
Typical costs and fees specific to your state including transfer taxes
Local Regulations
State laws, disclosure requirements, and timeline expectations