Beeline Mortgage Refinance Review

Describing itself as the “shortest possible path” to refinancing, Beeline takes the tedious work out of refinancing. The company relies on a streamlined, automated application process, commission-free team, and minimal-fee cost structure in order to provide low rates.

So, what does Beeline offer? In this review, we’ll dig into the details to help you figure out if Beeline is right for you.

Pros and Cons of Beeline 



What Does Beeline Offer? 

Not all refinancing needs are the same. While many refinance in order to pay off their original home loan faster, there are also other reasons to refinance your home. To accommodate all refinancing needs, Beeline offers refinancing options for the following purposes:

Some of these purposes can bleed into others. For example, you might be able to reduce your interest rate, monthly payment, and loan term simultaneously with Beeline.

You can refinance a variety of properties through Beeline:

However, Beeline has some restrictions worth mentioning. For example, you currently can’t refinance mobile or manufactured homes, properties held in trusts, or properties owned by businesses. Additionally, you can’t yet get a home equity line of credit (HELOC) with Beeline. Nevertheless, you can achieve similar results with cash-out refinancing.

What To Expect on the Site

Beeline’s goal is to eliminate the stress and paperwork associated with refinancing your home. To this end, Beeline’s application process can be completed online in only 15 minutes. First, you’re asked to answer some basic questions about your specific goals and property. These questions include:

The next step is creating a Beeline profile, during which you’re asked to provide some key pieces of financial information. In combination with your answers to the above questions, this financial information helps Beeline give you a personalized rate. You’ll be asked to provide basic contact info and answer some legal questions, as well as confirm your:

After completing these five steps, you’re then offered the lowest rate possible. You can use the Beeline Tracker to lock in your rate for up to 45 days. Beeline will then try to fund your loan within these 45 days.

While 15 minutes may be slightly longer for an application process than some competitors, Beeline actually verifies your information from the get-go. So, your rate will be more accurate.

Plus, at any time during the application process, you can reach out to your designated Loan Guide for professional guidance. Since Loan Guides don’t work on commission you won’t be pressured at any time. Instead, you can rely on your Loan Guide for peace of mind. Whether you want someone to hold your hand or simply be there just in case, your Loan Guide can help.


To make sure you completely understand what you’ll pay, Beeline breaks down your costs early on in your loan estimate. A variety of factors determine what you’ll pay to refinance your home, including your:

Even after getting your rate, you’re not required to commit to anything. You are free to shop around. Though if you find a lower rate from another lender, Beeline will beat it thanks to their Beeline Price Pact. To take advantage of the Beeline Price Pact, you simply need to:

  1. Contact your Loan Guide and send them the non-Beeline loan estimate
  2. Then the Loan Guide promptly reviews the other offer
  3. Beeline beats the offer if the other lender is cheaper

Fortunately, unlike many of its competitors, Beeline is able to offer especially low rates because it doesn’t work on commission and doesn’t charge origination fees. Additionally, Beeline doesn’t charge any prepayment penalties. This policy speaks to the company’s promise to help you without overcharging.

What People Are Saying About Beeline

Beeline has high levels of customer satisfaction. For instance, Beeline has an “A” rating and 4.7 out of 5 stars from customers on the Better Business Bureau. Additionally, Beeline has customer ratings of 4.5 out of 5 stars on Google and 4.1 out of 5 stars on Trustpilot.

The Bottom Line

While refinancing your home may seem daunting, Beeline empathizes with that notion. You can see this most clearly in the company’s streamlined application process and use of Loan Guides. So, you can get a reliable rate in only 15 minutes. And if you’re ever confused about anything, your designated Loan Guide can offer professional guidance.

Between Beeline’s commission-free team and minimal-fee cost structure, there’s a lot to like. For these reasons, Beeline is worth exploring as you consider top mortgage refinance lenders.