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Let Lenders Compete For Your Business Free rate quotes from up to 4 lenders - Apply now, while rates are at these historic lows.When lenders send their rates to a LoanApp customer, they know they're not alone. So they know that their rates have to be great. That's why we're the best - it's because we were the first. In 1992, our founders originated the first mortgage over the Internet, and in 1994 they created the first online loan application. We ensure you are offered incredibly low rates. Mortgage Refinancing Basics First you should weigh the costs and benefits of mortgage refinancing to determine if you'll come out ahead. Your mortgage may have a 30-year term, but not many homeowners stay with the same loan for that long. In fact, the average American refinances his or her mortgage every four years, according to the Mortgage Bankers Association. That's because paying off your present mortgage and taking out a new one can mean big savings over several years. However, mortgage refinancing comes with a price in the short term, so it's important to consider both the costs and benefits before making your decision.