Real rates. No phone number.
We price your loan with 50+ lenders and show you every rate with its cost in dollars. No name, no phone, no credit pull to look.
$400,000 loan in Michigan. Priced Fri, Nov 13 at 12:05 PM ET. Yours updates when you set your details. $400,000 loan, 360 monthly payments of principal and interest. Taxes and insurance are not included, so the actual payment will be higher.
Same rate. $4,436 apart.
We work with 50+ lenders. On Fri, Nov 13, the ones that priced this exact 7.000% loan were up to $4,436 apart. Your price with us comes with a 7.042% APR.
Same $400,000 30-year fixed refinance at every lender, priced Nov 13. A credit goes toward your closing costs; a cost is points you pay at closing.
Do it yourself. Vera helps.
Vera is our AI assistant. She prices your loan, explains every number in plain words and answers any time you ask. When you want a person, pick your rate and a licensed loan officer takes it from there.
- Prices your real scenario in seconds
- Explains points, credits and APR without the jargon
- A licensed loan officer once you pick your rate
Example conversation
What are you
here to do?
See my ratesLower my payment
See the rate that pays for itself fastest, and the month it breaks even.
StartTake cash out
See how much you can take and what it does to your payment.
StartBuy a home
See purchase rates and what your payment would be.
StartCheck a quote I got
Put in the rate and costs you were offered. We show you where it stands.
StartHow it works
First, pick a rate.
$400,000 loan, 360 monthly payments of principal and interest. Taxes and insurance are not included, so the actual payment will be higher.
Then see it in dollars.
$400,000 loan, 360 monthly payments of principal and interest. Taxes and insurance are not included, so the actual payment will be higher.
Then tell us who you are.
$400,000 loan, 360 monthly payments of principal and interest. Taxes and insurance are not included, so the actual payment will be higher.
A licensed loan officer locks it.
No catch.
Rates are free to see, your details are never sold, and nothing is locked until you say so.
Rates by state
Each state page is priced from that state's own weekday snapshot and dated to the minute.
Questions, answered
Do I have to give my name, phone or email to see rates?
No. Every rate we show is live pricing you can see without giving us any contact details, and there is no credit pull. You only share contact details if you pick a rate and want us to lock it in for you.
Why do lenders charge different prices for the same rate?
Each lender sets its own price for every rate based on its costs, its appetite for that kind of loan and how busy it is. For one scenario a dozen or more lenders can offer the same rate at prices thousands of dollars apart. We price them and show you the price at each rate.
What is a lender credit?
A lender credit is money the lender puts toward your closing costs in exchange for a slightly higher rate. Points are the opposite: you pay at closing to buy a lower rate. Every rate we show says which one applies and how many dollars it is.
Are these real rates or teaser rates?
They are real prices from live lender rate sheets for the scenario shown, each with its APR and the date and time it was priced. Your final rate depends on your full file, and nothing here is a rate lock until you lock it.
Who is Vera?
Vera is our AI assistant. She prices your scenario, explains your options and answers questions whenever you ask. She always tells you she is AI, and when you want a person, you pick your rate and a licensed loan officer takes it from there.
What happens if I pick a rate?
You give us a name and a way to reach you, and a licensed loan officer confirms the details and locks the rate with the lender whose price is shown for it. Your information is never sold to other lenders.
Set your loan and see every rate in under a minute.