Nightbard LLC created Mortgage Refinancing Blog with one goal: help everyday homeowners keep more money in their pockets.
We’re a small, fully remote team of finance nerds and data journalists who have refinanced our own homes, learned a few painful lessons, and decided to share workable shortcuts—minus the jargon.

We publish:

• Step-by-step walkthroughs that demystify fixed-rate, ARM and cash-out loans

• Weekly rate-watch updates so you can choose the right lock-in moment

• Credit-building playbooks lenders actually respond to

• Breakdowns of state or federal refinance incentives, plain and simple

Editorial independence
Advertisers never dictate our conclusions. Some articles contain affiliate links; if you click and apply for a product, we may earn a commission at no extra cost to you. That income keeps the lights on and the research unbiased.

Site launched 2025 — updated as regulations evolve.