Banking

Best Mortgage Refinance Rates of 2026 (Expert-Reviewed)

Looking to refinance your mortgage in 2026? You’re not alone. Thousands of homeowners are taking advantage of declining interest rates and new lender incentives this year. With the housing market stabilizing and inflation cooling, 2026 could be one of the best years to lock in a lower mortgage rate. In this expert-reviewed guide, we’ll cover everything—from current refinance trends to top lenders offering the lowest rates in 2026.