Capital One Bank — Home Refinance Loans

Hello Refi. Hello Cash.

Cash out or cash back – a refinance offers many smart ways to save. 

  • Lower your interest rates and payments
  • Lock in a fixed interest rate
  • Manage finances
  • No closing fee options available1
  • Even options for loans that exceed home value
Start a Mortgage Refinance Account. or call 1-866-923-4954

Your Personal Mortgage Refinance Consultant

Questions about refinancing your home mortgage? With one call, you will be matched with a personal mortgage consultant who will answer all of your questions. Learn how you may benefit from a refinance and find the right product for you.

Get started or call toll-free 1-800-664-0960

Lock in your refinance rate

Call 1-866-923-4954, or
Get started locking in your refinance rate today

Refinance Rates 

Current rates for our most popular mortgage refinance loans. 

Capital One's current APRs for 30 year fixed, 15 year fixed, and 5/1 Jumbo ARM mortgage refinance loans.
 Mortgage Refinance Loans APR2 
30 Year Fixed3 4.052% 
15 Year Fixed3 3.376% 
5/1 Jumbo ARM4 2.962% 

As of - 10:00AM ET 2/3/2012 

View Additional Mortgage Rates

Home Loan Refinancing:
Easier than you think

Our Mortgage Guide shows you what to expect when you apply for a mortgage loan refinance.

Mortgage Guide

Tools and Calculators

Capital One, N.A., NMLS ID 453156.

Loans subject to credit approval. This does not represent an offer to enter into a loan agreement. Rates and terms subject to change without notice. Due to various federal, state, and local requirements, certain products may not be available in all areas.

1

Use of Capital One preferred vendors and credit approval required.  Borrower is responsible for prepaid interest, escrow contributions and any building-specific fees. Out of pocket amount used based on current Capital One average closing fees that would be paid for a $246,500, 30-year fixed rate refinance loan as of April 1, 2011. Rates and terms subject to change without notice.

2

Advertised Annual Percentage Rate (APR) is subject to change at any time. The APRs above may vary for loans with less than the stated down payment, and borrower-paid mortgage insurance may apply.

3

 30 Year Fixed and 15 Year fixed rates and APRs are based on an excellent credit history, $250,000 loan amount, 20% down payment, and 80% combined loan-to-value ratio. Additional terms and restrictions apply.

4

Jumbo 5/1 ARM and Jumbo 5/1 Interest Only ARM rates and APR is based on an excellent credit history, $750,000 loan amount, 30% down payment and 70% combined loan-to-value ratio. Interest rate is subject to change after initial 5 year period. Please request a rate schedule for specific terms. Additional terms and restrictions apply.