Mortgages
Today's mortgage rates, side by side.
Compare purchase, refinance, jumbo, VA, and FHA offers from 6 top lenders. We'll match you to the ones that fit your profile.
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Side by side
Mortgages — top lenders compared
Sortable table of partner lenders. Click through to see the lender's full offer details.
| Lender | APR Range | Best For | Rating | |
|---|---|---|---|---|
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APR ranges shown are illustrative. Your actual rate depends on credit, loan amount, and lender criteria.
How it works
Three steps. No surprises.
1
Tell us your situation
Quick questions about what you're financing or insuring.
2
Match to lenders
We pull offers from the lenders that fit your credit and need.
3
Pick & close
Apply directly with the lender of your choice. No middleman.
FAQs
Mortgages — what people ask
What credit score do I need for the lowest mortgage rate?
The lowest APRs on the lender's rate sheet typically require a 740+ FICO, 20% down, and a debt-to-income ratio under 36%. Borrowers with 620–680 still qualify, just at slightly higher rates and possibly with mortgage insurance.
Is it better to refinance or get a HELOC?
Refinancing replaces your existing mortgage with a new one — best when current rates are meaningfully below your existing rate. A HELOC is a second lien, drawn as needed, and keeps your existing mortgage intact — best when you want flexibility for projects or expenses without resetting the clock.
How long does it take to close on a mortgage?
Industry average is 35-45 days. Some lenders on our panel (Rocket, Better) advertise sub-3-week timelines for simple W-2 borrowers with clean files.
Do I need a down payment?
Conventional loans usually require 3–20% down. VA loans can be zero-down for eligible veterans. FHA allows 3.5% with a 580+ score.
Will checking my rate hurt my credit score?
No. The pre-qualification flow uses a soft pull. Only a formal application with the lender of your choice triggers a hard pull.
Get mortgages rate alerts
One email a week. We'll let you know when rates move in your favor.