What are the cheapest refinancing home loan rates?

The rates for home loans will vary from day to day and bank to bank, and are also dependent on, among other factors, credit rating, amount and term of the loan, points and fees, and the specific refinance loan product one is interested in. These factors make it impossible for anyone who is not familiar with your individual situation to quote a specific rate. The best way to determine the lowest rate available on a home refinance is to contact multiple lenders and inquire.