Maximum $1,295 Closing Costs
When you refinance your home loan with Blaze, you can choose to only pay up to $1,295+ in closing costs.
Blaze offers up to 15 year fixed rate or any of our ARM programs. Financing available up to 80% of your homes’ value.
No Payments for up to 60 Days
Switch your home loan to Blaze and enjoy no loan payments for up to 60 days.
Local
Your loan stays local with our Minnesota-based loan officers, decision-makers, and servicers.
Blaze makes buying and owning a home local and personal.
Mortgage Refinance Rates
Mortgage Refinance RatesRates Effective: 12/20/2024
| Program Name | Rate | APR* | Monthly Payment |
|---|---|---|---|
| 10/1 ARM Refi - Max $1,295⁺ Closing Costs | 6.750% | 6.296% | $1135.05 |
| 7/1 ARM Refi - Max $1,295⁺ Closing Costs | 6.500% | 6.119% | $1106.12 |
| 5/1 ARM Refi - Max $1,295⁺ Closing Costs | 6.250% | 6.161% | $1077.51 |
| 15 Year Fixed Refi - Max $1,295⁺ Closing Costs | 6.500% | 6.537% | $1524.44 |
| 10/1 ARM Jumbo Refi | 6.625% | 6.270% | $4908.3 |
| 15 Year Fixed Jumbo Refi | 6.375% | 6.405% | $4782.27 |
| 15 Year Fixed Refi | 6.250% | 6.492% | $1500.49 |
| 20 Year Fixed Refi | 6.500% | 6.696% | $1304.75 |
| 30 Year Fixed Refi | 6.875% | 7.028% | $1149.63 |
| 30 Year Fixed Refi Jumbo | 7.000% | 7.056% | $5099.88 |
*APR = Annual Percentage Rate and 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 $766,550 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 Mortgages (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.
+APR = Annual Percentage Rate and monthly payment examples assumes an 80% Loan-to-Value, and 700 credit score. Monthly Principal & interest payment based on loan amount of $175,000.. Payment estimates do not include taxes and insurance; actual payments may be higher. Minimum Loan amount is $15,000 and Maximum loan amount is $383,275. A minimum of $10,000 must be new money at Blaze. Property must be the primary or secondary residence and property insurance is required. Change in fee ownership, manufactured homes, commercial, agriculture and large acreage properties excluded from offer. Blaze member responsible to pay up to $1,295 toward closing costs. If the loan does not close, the cost of the appraisal will not be refunded. Blaze will pay closing costs in excess of $1,295 and does not include property taxes, home owner’s insurance, prepaid interest, and fee for a potential subordination agreement. Offer subject to termination at any time. 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, and other factors so your rate may different. Adjustable Rate Mortgages (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.
Disclosures
We offer conventional loans in all states except AK, CA, HI, NY, and TX. We offer government (FHA/VA) loans in all states except AK, AZ, HI, MA, NY, RI, VA, VI, VT, or Washington, D.C.