Home Loans

Find Your Best Mortgage Rate in Minutes

Compare purchase mortgages, refinance loans, and home equity options from 60+ lenders — no hard inquiry, no obligation.

Check My Rate Refinance My Mortgage
60+Mortgage Lenders
3.99%Rates From
$25K–$3MLoan Amounts
21 DaysAvg. Time to Close
Loan Types

Home Loan Options for Every Situation

Buy a Home

Purchase Mortgage

Whether it is your first home or your fifth, compare purchase mortgages from 60+ lenders with competitive rates on 15, 20, and 30-year fixed terms.

Purchase
3.99%
APR From
3–30 yr
Term Options
3% down
Min. Down Payment
FHA, VA, Conventional First-time buyer programs Pre-approval in 24 hours
Check My Rate Soft pull — no credit impact
Refinance

Rate & Term Refinance

Lower your rate, reduce your monthly payment, or shorten your loan term. Most homeowners who refinance save $200–$500 per month.

Save Money
$300+
Avg. Monthly Savings
21 Days
Avg. Close Time
$0
Application Fee
Cash-out refinance available No-closing-cost options FHA to conventional available
See My Savings Takes 5 minutes to apply
Equity

Home Equity Line of Credit (HELOC)

Access your home equity as a flexible revolving credit line. Use it for renovations, emergencies, or consolidating debt at a lower rate.

HELOC
4.99%
APR From
Up to 85%
LTV
10 yr
Draw Period
Only pay interest on what you use Reusable credit line Potentially tax-deductible
Check My Rate Homeowners only

Mortgage Types Explained

Conventional Loan

Best for borrowers with good credit (620+). Down payments as low as 3%. No mortgage insurance with 20% down.

FHA Loan

Government-backed loan with lower credit requirements (580+). 3.5% minimum down payment. Great for first-time buyers.

VA Loan

Exclusively for veterans and active military. 0% down payment, no PMI, and competitive rates.

USDA Loan

For rural and suburban homebuyers with 0% down. Income limits apply. Great for eligible low-to-middle income buyers.

Jumbo Loan

For loan amounts above conforming limits ($766,550+). Available for luxury homes and high-cost areas.

ARM Loan

Adjustable-rate mortgage with lower initial rate. Ideal if you plan to sell or refinance within 5–10 years.

What Lenders Look For

62–100
Credit Score
620+ for conventional, 580+ for FHA, 700+ for the best rates. We show you lenders matched to your score.
43%
Debt-to-Income Ratio
Most lenders prefer DTI below 43%. Lower is better — it shows you can comfortably afford your monthly payment.
3–20%
Down Payment
3%–20% of the purchase price. Larger down payments get better rates and eliminate private mortgage insurance (PMI).
2 yrs
Employment History
Lenders want 2+ years of steady employment or self-employment history. W-2 and self-employed options are available.

Check Your Mortgage Rate Today

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