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Wisconsin Mortgage Refinance Rates

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

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WI Mortgage Rate Insights

  • The 30-Year Conventional Mortgage rate is 6.375%.
  • The 30-Year Conventional Refinance rate is 6.490%.
  • Rates are current as of September 1, 2026.

Current Wisconsin Home Refinance Rates

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Refinance Rates Trend in Wisconsin

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 Wisconsin

Wisconsin 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 Wisconsin mortgage rates.

Types of Refinances Available in Wisconsin

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.

A lower interest rate could reduce your monthly principal-and-interest payment, while changing the term can affect both the payment and how long you carry the mortgage. Compare those changes with the 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 Wisconsin

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. HUD's FHA streamline refinance guidance covers the streamline requirements.

If your current mortgage is VA-backed, a VA Interest Rate Reduction Refinance Loan, or IRRRL, may help lower your monthly mortgage payment or make payments more stable. The VA's IRRRL guidance requires the mortgage being refinanced to already be VA-backed.

Conforming Loan Limits for a Wisconsin Refinance

Wisconsin uses the national baseline conforming loan limit throughout the state. Under FHFA's 2026 conforming loan limits, the limit for a one-unit property is $832,750 in all 72 Wisconsin counties.

The same one-unit limit applies in Milwaukee County, Dane County in the Madison area, Brown County in the Green Bay area, Waukesha County and Outagamie County in the Appleton area. A one-unit refinance above $832,750 exceeds the 2026 conforming loan limit anywhere in Wisconsin.

A mortgage below that amount still has to meet applicable conventional mortgage requirements to qualify as conforming.

Wisconsin Refinance FAQs

When Does Refinancing Make Sense in Wisconsin?

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 Milwaukee or Madison Have Higher Conforming Loan Limits?

No. Milwaukee County and Dane County in the Madison area both use the $832,750 conforming loan limit for one-unit properties in 2026. The same one-unit limit applies throughout Wisconsin.

Does Green Bay Have a Higher Conforming Loan Limit?

No. Brown County in the Green Bay area also uses the statewide $832,750 one-unit conforming loan limit for 2026.

Can I Refinance a VA Loan in Wisconsin?

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.

Find Out Why Wisconsinites Love Lower

Don't take our word for it. We've got 50,000 five-star reviews and counting. Read what real customers have to say.
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5.0

Doug made the refinance process fast and easy.

Teresa J.

Verified Customer

August 3, 2026

5.0

Great experience! Cindy was amazing to work with. She is very knowlegable and led us through the process. Everything flowed smothly all the way through the refi process. Would recommend her highly!

Cliff H.

Verified Customer

September 16, 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

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

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

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

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