Fixed-Rate Mortgage
Interest Rate
Conforming 30 Year
3.275 %
3.458 %
0.611 %
Conforming 25 Year
3.375 %
3.472 %
0.611 %
Conforming 20 Year
3.375 %
3.441 %
0.161 %
Conforming 15 Year
2.875 %
2.936 %
0.124 %
Conforming 10 Year
2.875 %
2.989 %
0.124 %
Jumbo 30 Year
3.625 %
3.519 %
0.500 %
Jumbo 15 Year
3.125 %
3.156 %
0.000 %
Advertised interest rates and APR assumes excellent credit score. Read Disclosures

Jumbo Refinance

Our professionals are dedicated to the art of tailoring a jumbo loan to fit your current and long-term needs.

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Interest-Only Loans

Interest-Only loans are perfect for freeing up cash, fluctuating income, or owning for short periods.

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Cash-Out Refinance

Cash-Out refinances are great if you've built up a large amount of equity in your home.

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Adjustable-Rate Mortgage

Depending on your situation, an adjustable-rate mortgage with a fixed period may be the right fit.

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Fixed-Rate Refinance Mortgage

With a fixed-rate mortgage refinance, once your rate is locked in, your interest rate and your monthly payment of principal and interest will remain unchanged over the life of your loan. You'll avoid the uncertainty of fluctuating interest rates and possible increased loan payments.
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Fixed-Rate Mortgage at CIT Bank

Refinance rates

30 Year Fixed-Rate Mortgage% RATE% APR

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Lower your monthly mortgage payment

If your current interest rate is higher than what is currently available in the market, you may want to see how much you could save by refinancing. Or you could change the terms of your mortgage by refinancing with a longer repayment period. This option may not be for everyone, but switching from a 15-year, fixed-rate mortgage to a 30-year term can help lower your monthly mortgage payment.

Gain payment stability

If you currently have an adjustable-rate mortgage nearing its adjustment period, uncertainty regarding interest rates may make this a great time to refinance and lock in a fixed rate and payment.

Access available home equity

By taking advantage of your home equity, you may be able to pay off higher-interest, non-tax-deductible debt, make home improvements to your home, and more. Our home equity financing option allows you to refinance into a new loan with a larger loan amount than your current loan, and have the difference paid to you. You could also refinance to combine a first and second mortgage into one first-lien mortgage - and eliminate the higher rate you may be paying on your second mortgage.

Our mortgage specialists will help you choose what's right for your unique financial situation.

Call us: 800-217-6629 (Mon-Fri from 9am to 8pm ET)

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