Mortgage & Refinance Rates — Free Comparison

Compare Mortgage Rates

Whether you're buying a home or refinancing, comparing rates from multiple lenders can save you tens of thousands over the life of your loan. A difference of 0.5% on a $400,000 loan is $100/month or $36,000 over 30 years.

What Determines Your Mortgage Rate?

• Credit score — 740+ gets the best rates
• Down payment — 20% or more avoids PMI and gets better rates
• Loan type — Conventional, FHA, VA, or jumbo — each has different rates
• Loan term — 15-year rates are lower than 30-year
• Debt-to-income ratio — Below 36% is ideal, 43% is the max for most loans
• Property type — Single-family, condo, multi-family — each affects rates

Top Mortgage Lenders

• LendingTree — Compare up to 5 lenders at once
• Rocket Mortgage — Online-only, fast approval
• Quicken Loans — Full-service with local agents
• SoFi — No PMI required with 10% down
• Better.com — Fast online process, no lender fees