See Mortgage Refinance Offers From a Network of Lenders
One Online Form
Multiple Lender Offers
Look at a possible new mortgage rate next to offers from several lenders in the network.
Step 1 - Share some details about your home
Step 2 - Respond to a handful of questions
Step 3 - Weigh the offers next to each other
Free · No obligation · Offers gathered in one view
What this comparison tool shows
A single online form lets borrowers look over mortgage refinance offers drawn from a network of lenders. Since rate, term length, structure, and fees can differ from one lender to the next, viewing those offers together may make it easier to understand what the network has on the table.
SmartFin USA takes no view on whether refinancing makes sense for any particular borrower. The tool simply lays out offers for side-by-side review, and looking them over carries no commitment to proceed with any lender.
What a refinance may be used for
People look into a mortgage refinance for a handful of familiar reasons. The exact products and terms come from each individual lender.
- Adjusting the monthly mortgage payment. Depending on the new rate and term a lender puts forward, refinancing could move the payment up or down.
- Shifting the loan term. Borrowers might weigh offers that move from a 30-year mortgage to a 15-year one, or the other way around, in line with what they are after.
- Reworking the loan structure (for instance, switching among the different rate-structure types that lenders in the network make available).
How comparison works
SmartFin USA is a lender comparison tool, not an application. The online form links you with lenders in the network so their offers can sit side by side for review.
Share details on your home
Fill out a brief online form covering your property and the mortgage you hold today.
Get matched with lenders
What you share is used to pair you with lenders in the refinance network who might suit your situation.
Weigh the offers together
Look over refinance offers from several lenders in one view. Nothing requires you to go any further.
FAQ
What is a mortgage refinance?
A mortgage refinance is a loan product that swaps out an existing mortgage for a new one. Borrowers might turn to a refinance to adjust the term, change the rate type, or rework how the mortgage is structured. The exact products and terms are set by each individual lender.
How does SmartFin USA work?
A borrower fills out one online form. The details are used to pair that borrower with lenders inside a network of refinance lenders, and the resulting offers can then be viewed alongside one another. SmartFin USA is a lender comparison tool — it does not lend, and the online form is not an application.
Will every borrower receive an offer?
No. Looking over offers through a comparison tool is a separate thing from a credit decision. Every lender reaches its own credit decision using its own standards, and finishing the online form does not lock in any particular offer or result.
Are the lenders in the network the same for every borrower?
Which lenders reply to any one online form comes down to several factors, among them the borrower's details and the standards each lender uses when the request comes in.
Does completing the online form affect my credit?
Filling out the online form on its own does not touch your credit. As part of their own credit decision process, individual lenders may run credit inquiries — so borrowers should read through each lender's terms before going ahead.