Advertising Disclosures
Disclosure 23
Refinance – Disclosure current as of 27-Apr-26
Savings based on refinancing a 30-year fixed-rate mortgage with a % interest rate with one at a % interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of possibly lengthening the term of the loan. The chart below shows sample savings for different loan amounts and is not a credit advertisement for any particular program or an offered or marketed rate:
| Loan Program Name | Offered Loan Amount | Min. APR | Min. Monthly Payment |
| 30 Yr Fixed | $200,000 | ||
| $250,000 | |||
| $300,000 | |||
| $350,000 | |||
| $400,000 | |||
| 15 Yr Fixed | $200,000 | ||
| $250,000 | |||
| $300,000 | |||
| $350,000 | |||
| $400,000 | |||
| 30 Year 5/1 ARM | $200,000 | ||
| $250,000 | |||
| $300,000 | |||
| $350,000 | |||
| $400,000 |
*N/A indicates that rate information is not available for that loan scenario due to limited offer data for the relevant time period or other data constraints.
Refinancing a current mortgage loan may cause total finance charges to be higher over the life of the loan.
A cash-out refinance is a loan refinance product that allows you to borrow against the available equity on your home and to receive a lump sum of cash upon closing. To qualify, the balance on your current first mortgage plus the cash-out amount must be no more than 85% of the appraised value of your home. This percentage is called your loan-to-value ratio or LTV, and it’s how lenders, not LendingTree, determine whether you have enough equity in your home to qualify for a refinance or a cash-out refinance. Some states prohibit refinancing, or brokering a refinancing, of a residential mortgage loan when the refinancing charges additional points and fees and the refinancing is within 12 months of the date the original loan agreement was signed unless the refinancing results in a reasonable, tangible net benefit to the borrower, considering all circumstances surrounding the refinancing.
Example: You have had a 30-year mortgage for 5 years, and you refinance it for another 30-year mortgage. You will have extended your mortgage payments for another 5 years, resulting in payment of more overall interest. Depending on your particular financial situation and LTV, refinancing in this scenario may increase the total number of monthly payments and/or the total amount paid when compared to your current situation (i.e., 35 years of payments versus 30 years). However, if the refinancing reduces your interest rate by 2%, you may realize interest savings over the life of the loan.
Borrowers should consider any refinance closing costs and add those to the loan balance. Borrowers should also consider the length of time they plan to stay in a home and ask a mortgage professional to assist in determining the break-even point if they choose to refinance. In general, borrowers should consider their individual circumstances, wants, and needs when selecting a refinance or any loan product. Any costs or benefits of a refinance or other loan product may vary over time and will depend on individual circumstances. Borrowers should consult a qualified professional to determine what may be best for their specific situation.
LendingTree Advertisement Disclosure:
LENDINGTREE, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED MORTGAGE BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 1415 VANTAGE PARK DRIVE, SUITE 700, CHARLOTTE, NC 28203, TELEPHONE NUMBER 1-800-555-8733.
For a current list of applicable state licensing and disclosures, click Licenses and Disclosures or call for details.
LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;
AK Mortgage Broker/Lender License #AK1136; AZ Mortgage Broker License #0902469;
AR Mortgage Broker License #24441; CA Department of Financial Protection & Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #1136MBR; NH Small Loan Lender License #1136SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 27-Apr-26.
Advertised Terms and Information
- The information and disclosures above relate to advertised terms made by or through LendingTree.
- Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.
- LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
- You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
- FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.