Get a Lower rate in Delaware whether you’re looking to reduce your monthly payment, change your loan term or refinance into a different rate.

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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.990%	6.733%	1.875	$2,277
VA 30-Year Fixed	5.875%	6.227%	2.250	$2,096
Conventional 15-Year Fixed	5.750%	6.164%	2.250	$2,906
Conventional 30-Year Fixed	6.375%	6.605%	2.000	$2,183
Jumbo 30-Year Fixed	6.250%	6.468%	2.125	$5,849

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	5.990%	6.819%	2.500	$2,277
VA 30-Year Refinance	6.125%	6.413%	2.500	$2,137
Conventional 15-Year Refinance	5.875%	6.344%	2.375	$2,929
Conventional 30-Year Refinance	6.490%	6.780%	2.375	$2,209
Jumbo 30-Year Refinance	6.250%	6.500%	2.375	$5,849

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.733% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.227% APR and $2,096 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.164% APR and $2,906 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.605% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.468% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.819% APR and $2,277 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.413% APR and $2,137 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.344% APR and $2,929 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.780% APR and $2,209 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.500% APR and $5,849 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only. Rate shown is current as of September 1, 2026.

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Refinance Rates Trend in Delaware

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Refinance Rates in Delaware

Delaware refinance rates reflect national lending conditions along with the details of your replacement mortgage. Your credit profile, loan-to-value, loan structure, property details and occupancy can affect the rate and terms available to you.

A refinance quote can differ from a purchase quote for the same borrower because the purpose and structure of the transaction are different. Compare the proposed new mortgage with the loan you already have, including its rate, term and costs.

The interest rate is the percentage charged for borrowing the principal. The annual percentage rate, or APR, is a broader annualized measure that includes the interest rate plus certain loan costs. APR can provide additional context when two refinance offers have different rates or upfront costs.

If you are buying rather than refinancing, compare Delaware mortgage rates.

Types of Refinances Available in Delaware

A rate-and-term refinance replaces your existing mortgage without taking cash out of the property. The replacement loan can change the rate, term or both.

For example, moving to a lower rate could reduce the monthly principal-and-interest payment, while choosing a shorter term could increase the payment but reduce the number of years you carry the mortgage. Compare those changes with the closing costs required to complete the refinance.

How long you expect to keep the new mortgage also affects the calculation. Use the refinance break-even calculator to compare the upfront costs with the expected monthly savings.

FHA and VA Refinance Options in Delaware

If your current mortgage is FHA-backed, an FHA streamline refinance uses limited borrower credit documentation and underwriting to refinance an existing FHA-insured mortgage. An FHA simple refinance also replaces an existing FHA mortgage but uses an appraisal and credit-qualifying underwriting.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, can refinance the existing VA-backed loan to reduce the interest rate or make payments more stable, such as by moving from an adjustable-rate mortgage to a fixed-rate mortgage. Eligibility and lender requirements apply.

Conforming Loan Limits for a Delaware Refinance

Delaware has the same conforming loan limit in all three counties. For 2026, the one-unit limit is $832,750 in Kent, New Castle and Sussex counties.

A one-unit refinance above $832,750 exceeds the conforming loan limit anywhere in Delaware. A mortgage below that amount still has to meet the applicable conventional loan requirements to qualify as conforming.

Delaware Refinance FAQs

When Does Refinancing Make Sense in Delaware?

Compare your existing mortgage with the proposed replacement loan, including the interest rate, monthly payment, new loan term and closing costs. The length of time you expect to keep the new mortgage affects whether any monthly savings have enough time to offset the upfront costs.

Do Delaware Conforming Loan Limits Vary by County?

No. Kent, New Castle and Sussex counties all have a $832,750 conforming loan limit for one-unit properties in 2026. A one-unit loan above that amount exceeds the conforming loan limit anywhere in Delaware.

Can I Refinance a VA Loan in Delaware?

Yes. If your current mortgage is VA-backed, an IRRRL may be available to refinance it. The existing mortgage must be VA-backed, and VA and lender requirements apply to the new loan.

5.0

Where do i I even start Landon kail has made this whole experience stress free and very easy, I just followed his straight forward easy to understand instructions and now I'm a home owner I would recommend Landon to anyone applying to get a mortgage 10/10 times super nice and personable if I even need anything in the future weather it's a new mortgage or refinancing Landon is my guy

Zach G.

Verified Customer

August 7, 2026

5.0

Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without… any hesitation.

Atif M.

Verified Customer

August 14, 2026

5.0

Murdock has been our go-to "mortgage man" consistently for over 25 years. He has financed and refinanced our homes and our daughter's homes as well. He goes way beyond just getting us the best rate and mortgage. He cleaned up a credit issue we didn't know about and takes a genuine personal interest in wanting to know us and our family. I have referred many friends to him over the years and they have all been very pleased. I will… continue to refer him!

Chris T.

Verified Customer

August 14, 2026

5.0

Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing!

Ronald D.

Verified Customer

July 31, 2026

5.0

I have worked with Ms. Bergen for the last 24 years, from buy a home to refinancing . She is wonderful, knowledgeable and has always been about our best interest. Will be looking forward to working with her again on our retirement home. Thank you again!

David D.

Verified Customer

September 1, 2026

5.0

I had the pleasure of working with TJ recently on two transactions. TJ has ALWAYS been a great lender, well respected in our community, communicates to all parties involved in a timely manner and helps each client understand all their options. She is patient and very knowledgeable. I would recommend TJ for any client looking to purchase a new home or to refinance a mortgage loan.

Christina K.

Verified Customer

July 29, 2026

Zach G. rated Landon Kail 5.0 stars: Where do i I even start Landon kail has made this whole experience stress free and very easy, I just followed his straight forward easy to understand instructions and now I'm a home owner I would recommend Landon to anyone applying to get a mortgage 10/10 times super nice and personable if I even need anything in the future weather it's a new mortgage or refinancing Landon is my guy Atif M. rated Cam Lewis 5.0 stars: Cam did an amazing job explaining everything from day 1 and guiding us every step of the way. He was on top of things and ensured we never missed a task or action item or deadline. I appreciated how prompt Cam was in responding to any question, even if it was after work hours. I would highly recommend Cam to anyone looking for a mortgage and if I ever feel the need to refinance, I'll reach out to Cam without any hesitation. Chris T. rated Murdock Richard 5.0 stars: Murdock has been our go-to "mortgage man" consistently for over 25 years. He has financed and refinanced our homes and our daughter's homes as well. He goes way beyond just getting us the best rate and mortgage. He cleaned up a credit issue we didn't know about and takes a genuine personal interest in wanting to know us and our family. I have referred many friends to him over the years and they have all been very pleased. I will continue to refer him! Ronald D. rated Rick Fantucci 5.0 stars: Rick has helped us so much throughout the home buyer process. He is knowledgeable and helpful with various options. I would definitely recommend using his services if you are in the market for buying or refinancing! David D. rated Leslie Bergen 5.0 stars: I have worked with Ms. Bergen for the last 24 years, from buy a home to refinancing . She is wonderful, knowledgeable and has always been about our best interest. Will be looking forward to working with her again on our retirement home. Thank you again! Christina K. rated Tonya Jenkins - TJ 5.0 stars: I had the pleasure of working with TJ recently on two transactions. TJ has ALWAYS been a great lender, well respected in our community, communicates to all parties involved in a timely manner and helps each client understand all their options. She is patient and very knowledgeable. I would recommend TJ for any client looking to purchase a new home or to refinance a mortgage loan.

Delaware Mortgage Refinance Rates

Current Delaware Home Refinance Rates

Get your personalized rate

Refinance Rates Trend in Delaware

What Affects Mortgage Refinance Rates in Delaware

Types of Refinances Available in Delaware

FHA and VA Refinance Options in Delaware

Conforming Loan Limits for a Delaware Refinance

Delaware Refinance FAQs

When Does Refinancing Make Sense in Delaware?

Do Delaware Conforming Loan Limits Vary by County?

Can I Refinance a VA Loan in Delaware?

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