Find National and your State’s average 3 year variable refinance rates & Cash Out rates by credit score. The rates can change daily based on economic factors and Fed’s policy.
3 Year Variable Refinance Rates –
Your actual 3 year arm rate depends on your credit score, loan-to-value ratio, and debt-to-income ratio. Shop with multiple lenders to find your best rate. Click on a state to see all its rates for all loan products.
| 3-year ARM rates | Credit Score | ||
|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | |
| Credit Unions | 7.15% | 7.19% | 7.35% |
| Online lenders | 7.25% | 7.30% | 7.44% |
| Banks | 7.55% | 7.60% | 7.65% |
| Alabama | 4.35% | 4.40% | 4.45% |
| Alaska | 5.27% | 5.32% | 5.37% |
| Arizona | 4.30% | 4.36% | 4.41% |
| Arkansas | 4.99% | 5.04% | 5.09% |
| California | 7.67% | 7.72% | 7.77% |
| Colorado | 7.72% | 7.77% | 7.82% |
| Connecticut | 3.53% | 3.58% | 3.63% |
| Delaware | 4.36% | 4.41% | 4.46% |
| Florida | 7.34% | 7.39% | 7.44% |
| Georgia | 7.61% | 7.66% | 7.71% |
| Hawaii | 4.18% | 4.23% | 4.28% |
| Idaho | 4.34% | 4.39% | 4.44% |
| Illinois | 7.40% | 7.44% | 7.50% |
| Indiana | 7.31% | 7.36% | 7.41% |
| Iowa | 4.29% | 4.34% | 4.39% |
| Kansas | 7.28% | 7.33% | 7.38% |
| Kentucky | 4.93% | 4.99% | 5.04% |
| Louisiana | 4.34% | 4.39% | 4.44% |
| Maine | 7.21% | 7.26% | 7.31% |
| Maryland | 3.72% | 3.77% | 3.82% |
| Massachusetts | 4.09% | 4.13% | 4.19% |
| Michigan | 8.43% | 8.48% | 8.52% |
| Minnesota | 4.30% | 4.35% | 4.40% |
| Mississippi | 4.34% | 4.39% | 4.44% |
| Missouri | 3.25% | 3.30% | 3.35% |
| Montana | 4.93% | 4.99% | 5.04% |
| Nebraska | 7.70% | 7.75% | 7.80% |
| Nevada | 4.46% | 4.51% | 4.56% |
| New Hampshire | 4.10% | 4.15% | 4.20% |
| New Jersey | 7.53% | 7.58% | 7.63% |
| New Mexico | 4.37% | 4.42% | 4.47% |
| New York | 4.30% | 4.36% | 4.41% |
| North Carolina | 7.57% | 7.62% | 7.67% |
| North Dakota | 4.98% | 5.03% | 5.08% |
| Ohio | 4.61% | 4.66% | 4.71% |
| Oklahoma | 4.33% | 4.38% | 4.43% |
| Oregon | 3.43% | 3.47% | 3.53% |
| Pennsylvania | 7.30% | 7.35% | 7.40% |
| Rhode Island | 4.33% | 4.38% | 4.43% |
| South Carolina | 3.54% | 3.59% | 3.64% |
| South Dakota | 3.88% | 3.93% | 3.98% |
| Tennessee | 3.51% | 3.56% | 3.61% |
| Texas | 7.61% | 7.66% | 7.71% |
| Utah | 4.26% | 4.30% | 4.36% |
| Vermont | 4.37% | 4.42% | 4.47% |
| Virginia | 3.20% | 3.26% | 3.30% |
| Washington | 7.19% | 7.24% | 7.30% |
| West Virginia | 4.95% | 5.00% | 5.05% |
| Wisconsin | 4.30% | 4.36% | 4.41% |
| Wyoming | 4.18% | 4.23% | 4.28% |
| National Rates Terms | |||
| 30-year Fixed | 6.48% | 6.53% | 6.58% |
| 30-year Fixed FHA | 6.25% | 6.30% | 6.35% |
| 30-year Fixed VA | 6.71% | 7.09% | 7.28% |
| 30-year Fixed Jumbo | 6.36% | 6.60% | 6.79% |
| 20-year Fixed | 6.21% | 6.26% | 6.31% |
| 15-year Fixed | 5.88% | 5.93% | 5.98% |
| 10-year Fixed | 5.79% | 5.84% | 5.89% |
| 3-year ARM | 7.55% | 7.60% | 7.65% |
| 5-year ARM | 6.48% | 6.52% | 6.58% |
| 7-year ARM | 6.42% | 6.47% | 6.52% |
| 10-year ARM | 6.34% | 6.39% | 6.44% |
Source: MFP’s Community Home Refinance Rates Survey from the last 30 days.
3 Year Variable Cash Out Refinance Rates –
Your actual 3 year arm cash our rate depends on your credit score, loan-to-value ratio, and debt-to-income ratio. Shop with multiple lenders to find your best rate. Click on a state to see all its rates for all loan products.
| 3-year ARM rates | Credit Score | ||
|---|---|---|---|
| 720 - 850 | 690 - 719 | 620 - 689 | |
| Credit Unions | 7.27% | 7.40% | 7.62% |
| Online lenders | 7.37% | 7.50% | 7.72% |
| Banks | 7.67% | 7.80% | 7.92% |
| Alabama | 4.47% | 4.60% | 4.72% |
| Alaska | 5.39% | 5.52% | 5.64% |
| Arizona | 4.43% | 4.56% | 4.68% |
| Arkansas | 5.11% | 5.24% | 5.36% |
| California | 7.79% | 7.92% | 8.04% |
| Colorado | 7.84% | 7.97% | 8.09% |
| Connecticut | 3.65% | 3.78% | 3.90% |
| Delaware | 4.48% | 4.61% | 4.73% |
| Florida | 7.46% | 7.59% | 7.71% |
| Georgia | 7.73% | 7.86% | 7.98% |
| Hawaii | 4.30% | 4.43% | 4.55% |
| Idaho | 4.46% | 4.59% | 4.71% |
| Illinois | 7.52% | 7.65% | 7.77% |
| Indiana | 7.43% | 7.56% | 7.68% |
| Iowa | 4.41% | 4.54% | 4.66% |
| Kansas | 7.40% | 7.53% | 7.65% |
| Kentucky | 5.06% | 5.19% | 5.31% |
| Louisiana | 4.46% | 4.59% | 4.71% |
| Maine | 7.33% | 7.46% | 7.58% |
| Maryland | 3.84% | 3.97% | 4.09% |
| Massachusetts | 4.21% | 4.34% | 4.46% |
| Michigan | 8.55% | 8.68% | 8.80% |
| Minnesota | 4.42% | 4.55% | 4.67% |
| Mississippi | 4.46% | 4.59% | 4.71% |
| Missouri | 3.37% | 3.50% | 3.62% |
| Montana | 5.06% | 5.19% | 5.31% |
| Nebraska | 7.82% | 7.95% | 8.07% |
| Nevada | 4.58% | 4.71% | 4.83% |
| New Hampshire | 4.22% | 4.35% | 4.47% |
| New Jersey | 7.65% | 7.78% | 7.90% |
| New Mexico | 4.49% | 4.62% | 4.74% |
| New York | 4.43% | 4.56% | 4.68% |
| North Carolina | 7.69% | 7.82% | 7.94% |
| North Dakota | 5.10% | 5.23% | 5.35% |
| Ohio | 4.73% | 4.86% | 4.98% |
| Oklahoma | 4.45% | 4.58% | 4.70% |
| Oregon | 3.55% | 3.68% | 3.80% |
| Pennsylvania | 7.42% | 7.55% | 7.67% |
| Rhode Island | 4.45% | 4.58% | 4.70% |
| South Carolina | 3.66% | 3.79% | 3.91% |
| South Dakota | 4.00% | 4.13% | 4.25% |
| Tennessee | 3.63% | 3.76% | 3.88% |
| Texas | 7.73% | 7.86% | 7.98% |
| Utah | 4.38% | 4.51% | 4.63% |
| Vermont | 4.49% | 4.62% | 4.74% |
| Virginia | 3.33% | 3.46% | 3.58% |
| Washington | 7.32% | 7.44% | 7.57% |
| West Virginia | 5.07% | 5.20% | 5.32% |
| Wisconsin | 4.43% | 4.56% | 4.68% |
| Wyoming | 4.30% | 4.43% | 4.55% |
| National Rates Terms | |||
| 30-year Fixed | 6.61% | 6.73% | 6.86% |
| 30-year Fixed FHA | 6.37% | 6.50% | 6.62% |
| 30-year Fixed VA | 6.84% | 6.96% | 7.09% |
| 30-year Fixed Jumbo | 6.48% | 6.61% | 6.73% |
| 20-year Fixed | 6.33% | 6.46% | 6.58% |
| 15-year Fixed | 6.01% | 6.13% | 6.26% |
| 10-year Fixed | 5.91% | 6.04% | 6.16% |
| 3-year ARM | 7.67% | 7.80% | 7.92% |
| 5-year ARM | 6.60% | 6.73% | 6.85% |
| 7-year ARM | 6.54% | 6.67% | 6.79% |
| 10-year ARM | 6.46% | 6.59% | 6.71% |
Source: MFP’s Community Home Refinance Rates Survey from the last 30 days.
Community Refinance Lenders Recommendations
Interested to see which refinance lenders are the most recommended in your state and area? Thousands of homeowners in your state and area provide their feedback on their refinance lender. See which one could help refinance to a better variable rate, more easily and with good advice.
More Home Loan Information:
Most Recommended Refinance Lenders
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Homeowners.