Switch Your Mortgage to Blaze
Refinancing your home loan with Blaze gives you the opportunity to lower your monthly payment, shorten your loan term, or get cash out for big expenses — whatever fits your financial goals.
Why Refinance with Blaze
$1,500 Maximum Closing Costs
When you refinance your home loan with Blaze, you can choose to only pay up to $1,500+ in closing costs.
Your Loan Stays Local
Our Minnesota-based Blaze loan officers, decision-makers, and servicers make buying and owning a home local and personal.
You'll always know who to contact when you need guidance on the next step of your journey.
Flexible Refinance Options
At Blaze, you can refinance to a fixed-rate or ARM loan. You can finance up to 80% of your home's value.
Getting Started with a Blaze Mortgage Refinance Loan
A mortgage refinance replaces your current home loan with a new one — often with a lower interest rate, different term, or new loan amount. Many people refinance to reduce their monthly payment, pay off their mortgage faster, consolidate higher-rate debt into one monthly payment, or access cash out from their home equity.
Start Your Online Application
Complete our secure online application or schedule time with a Blaze Mortgage Loan Officer.
Get a Personalized Refinance Review
We’ll review your current loan, credit, income, property value, and goals to recommend a specific program and rate options.
Lock Your Rate
Once you’re ready to move forward, upload your income and asset documentation, we’ll order an appraisal, and you can lock in your rate.
Close on Your Loan
After underwriting approval, we’ll schedule your closing and finalize your new payment details. Your old mortgage is paid off and replaced with your Blaze refinance.
Have Confidence in the Mortgage Loan Process
Buying a home involves more than choosing a loan. Learn about how the Blaze Mortgage process works and explore our coaches, articles, and calculators to help you prepare before applying.
Learn how pre-approval works, how credit affects approval, when to speak with a Blaze Mortgage Loan Officer, and more.
Mortgage Refinance Rates
Mortgage Refinance RatesRates Effective: 4/17/2026
| Program Name | Rate | APR* | Monthly Payment |
|---|---|---|---|
| 10/1 ARM Refi - Max $1,500⁺ Closing Costs | 5.750% | 5.957% | $1044.38 |
| 7/1 ARM Refi - Max $1,500⁺ Closing Costs | 5.500% | 5.882% | $1035.97 |
| 5/1 ARM Refi - Max $1,500⁺ Closing Costs | 5.250% | 5.870% | $1034.63 |
| 15 Year Fixed Refi - Max $1,500⁺ Closing Costs | 5.500% | 5.532% | $1432.87 |
| 10/1 ARM Jumbo Refi | 5.875% | 5.889% | $4777.97 |
| 15 Year Fixed Jumbo Refi | 5.625% | 5.651% | $6654.58 |
| 15 Year Fixed Refi | 5.500% | 5.708% | $1449.28 |
| 20 Year Fixed Refi | 5.750% | 5.938% | $1247.50 |
| 30 Year Fixed Refi | 6.125% | 6.254% | $1077.96 |
| 30 Year Fixed Refi Jumbo | 6.250% | 6.292% | $4987.81 |
*APR = Annual Percentage Rate. Monthly payment examples assumes an 75% Loan-to-Value, 780 credit score, and purchase or no cash out refinance. Monthly Principal & interest payment based on loan amount of $175,000 and $832,750 for jumbo loans. Payment estimates do not include taxes and insurance; actual payments may be higher. Maximum loan amount is $1,500,000. Minimum loan amount is $30,000. Property insurance is required. If the loan does not close, the cost of the appraisal will not be refunded. The stated rates are the lowest available and subject to change at any time without notice. Rates are based on credit history, loan-to-value, occupancy, and other factors so your rate may different.
Adjustable Rate Mortgage (ARM) loans have a variable rate therefore the APR may increase after consummation. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
+Property must be the primary or secondary residence and property insurance is required. Commercial, agriculture, and large acreage properties excluded from offer. Blaze member responsible to pay up to $1,500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. Blaze will pay closing costs in excess of $1,500 and does not include property taxes, home owner’s insurance, prepaid interest, and fee for a potential subordination agreement. A minimum of $10,000 must be new money at Blaze. Offer subject to termination at any time.
Other restrictions may apply. Not available in all states.
Calculate Your Journey
Use our free, easy-to-use financial calculators to answer common money questions and help you confidently blaze your financial path.
