Refi.com Review

A refinance marketplace pitched at streamline refinances and cash-out. Independent Refi.com review: 0/5 for refinance.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Homeowners weighing a streamline refinance or cash-out can get a soft-pull quote here that doesn't affect their credit score. The problem is who's behind it: no NMLS number is stated, so the licensed entity isn't identified, and fees are set by whichever lender you're matched with. Ask for the lender's name and NMLS number before you share more.

Skip it if you want to know the licensed lender up front, or if you don't want lenders contacting you.

About Refi.com

A refinance marketplace pitched at streamline refinances and cash-out. Refi.com is offered by Refi.com. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.

Best for: Homeowners comparing a streamline refinance without a credit hit.

Editorial grade: C (composite score 56/100).

Highlights

Quotes do not affect your credit score
Streamline refinance and cash-out in one place
Online tools rather than a phone-first process

What we like

A soft-pull quote costs you nothing to find out
Covers cash-out, which a rate-only comparison misses

Where it falls short

No CFPB complaint record under this name, which is an absence of evidence rather than a clean record
No NMLS number is stated, so the licensed entity behind it is not identified
A marketplace passes your enquiry to lenders who then contact you

Fees, minimums, and rates

Monthly fee: Set by the lender you are matched with. Minimum to open: Varies by lender. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Refi.com. It is built from Refi.com's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Refinance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.