Wondering If You Should Refinance?

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Mortgage Weather
A quick read on where mortgage rates have been recently
Updated: June 7, 2026
🌤️
Warm
6.48%
30-yr fixed (Freddie Mac, June 4, 2026)
Down from ~6.65% three months ago — rates have eased from their March highs
Better than a year ago — the 30-year averaged 6.85% in June 2025
What We're Seeing
  • → Rates are sitting in the mid-6% range — improved from a year ago, but still elevated compared to what many homeowners locked in during 2020–2021.
  • → Volatility has been the story of 2026 — rates have moved up and down based on Middle East conflict news and inflation data, making the market hard to read week to week.
  • → Refinance activity remains 20% higher than a year ago, even as it softens slightly — homeowners with rates above 7% are still finding value in acting now.
Latest Market Headlines
Housing demand stays positive as mortgage rates near 2026 highs
Purchase applications are down 3% week-over-week but still 7% ahead of last year — demand is holding up even as rates hover near their highest levels of 2026.
HousingWire · June 6, 2026
Mortgage applications fell again even as 30-year rates eased
Total application volume fell 2.5% for the week ending May 29 — including a dip in refinance activity — suggesting borrowers are waiting for more meaningful rate relief before acting.
HousingWire · June 3, 2026
Average mortgage rates ticked down slightly this week
The 30-year fixed fell to 6.48% — a small drop after hitting its highest level since September 2025 two weeks prior, driven by fluctuating Middle East conflict headlines.
CNBC · June 4, 2026
Informational only. This is not a forecast or lending advice. Rate data sourced from Freddie Mac Primary Mortgage Market Survey (PMMS). News sources: MortgageNewsDaily, HousingWire, CNBC.

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Big Banks Don’t Tell You When Not to Refinance. We Do.

Most homeowners don’t refinance because they’re confused — not because they shouldn’t. Rates change. Programs change. Government policy changes.

Most lenders only call when it benefits them, not you. We built Refilytics to help NYC homeowners understand the market without being pushed into a bad deal.

✅ Understand when refinancing actually saves money

✅ Navigate FHA, VA, and conventional options

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How It Works

We monitor

Government-backed programs and market changes most homeowners miss.

We review

Credit score, borough, loan type, and timeline. Specialized guidance for you.

You decide

Refinance now, wait, or do nothing. If it doesn't make sense, we'll tell you.