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With our next-gen tech and best-in-class loan experts at your side, anything is possible. Tell us where you’re headed and we’ll help you get there with speed and confidence.
I’m purchasing
I’m refinancing
43K+ Birdeye Reviews
Avg. 5-Star Rating
Arthur
Congratulations! Your closing documents are now ready to be signed.
Arthur Smith
Sign
PowerBid approved
Rate
now
Your loan is pre-approved.
30-year fixed 6.0 62%
15-year fixed 5.177%
FHA 30-year fixed 5.825%
VA 30-year fixed 5.487%
Find it. Finance it. Done.
Rate is your one-stop homebuying shop.
Rate puts people
first
From our customers to our mortgage advisors, we put people ahead of business.
Successfully funded $21.7B in loans in 2023
Members trust us with a 96% customer satisfaction score
600+ branches serving all 50 states in the country
Rate's has the first-ever mortgage experience designed entirely in Spanish from start to finish.
Our Loan Officers provide you with low rates, world-class service and a stress-free process.
Intelligence
built into everything we do
Get into your dream home faster with the help of AI.
DOWN PAYMENT
INCOME
VALUE OF HOME
INCOME
STATEMENTS
INCOME
STATEMENTS
INCOME
EMPLOYMENT
INCOME
DEBT
EXISTING LOANS
CITIZENSHIP
EXISTING LOANS
CREDIT
EXISTING LOANS
MARITAL
EXISTING LOANS
ASSETS
LOANS
ASSETS
HISTORY
ASSETS
DOWN PAYMENT
ASSETS
CREDIT SCORE
ASSETS
ASSETS
ASSETS
INCOME
ASSETS
HOME VALUATION
VALUATION
STATUS
VALUATION
BALANCES
VALUATION
HAND
Mortgage loading…
Lightning Fast Approvals
Get your mortgage approved in minutes, not weeks.
AI-Powered Precision
Smart underwriting eliminates errors to give you certainty from the start.
Stress-Free Process
Automation and real-time alerts guide you every step of the way.
Rate App
Home. Health. Wealth. It's all connected.
Meet the next-generation mortgage app that blends financial and personal wellness so you can make big moves with confidence.
Find and finance your dream home, all from your phone
Connect with world-class loan officers in your area
Discover expert-led wellness coaching to keep you at your best
Homes
Personal
Financial
Your go-to resource for homebuying
Discover the latest news, insights, and expert guidance to help you make informed decisions on your journey to homeownership.
Get pro tips from the experts
Stay on top of the latest market trends, expert advice and wellness coaching.
“Rate was a tremendous help with my first home. They were extremely reliable and knowledgeable throughout the loan process. They answered all of my questions and made it very transparent on what was needed throughout the process.”
Justin G.
Best Online Mortgage Lender for First-Time Home Buyers 2024
Best Online Mortgage Lender for First-Time Home Buyers 2023
Best Home Equity Line of Credit Borrowers with Fair Credit
4.5/5 Avg. Rating by 900+ members
Here for what's next
The no-stress, high-intelligence mortgage is at your fingertips.
Whatever moves you’ve got in mind, we got you.
manage your mortgage
Sign in to your account
Pay your mortgage
Contact us
about us
Overview
Core values
Leadership
Press
Our Foundation
careers
Loan officers
Operations
Tech
All open positions
websites
Rate Insurance
Advocus Title
Agent Advantage
Stay up to date with Rate
Keep up with latest housing market trends and more.
Enter your email address
Subscribe
Accessibility
Licensing
Notice to Vendors
Privacy Policies
SMS Terms
Terms of use
DNC
NMLS Consumer Access
Delaware Licensed Loan Officers
Texas Consumers: How to file a complaint
Do not sell my personal information
Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
Copyright © 2024 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.
NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org
Arizona Mortgage Banker License #0907078
3940 N. Ravenswood Ave Chicago, IL 60613
Operating as Guaranteed Rate, Inc. in New York.
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
Mortgage
Low rates are here - secure yours now.
Don’t wait - lock in lower rates.
Low rates are here - secure yours now.
Don’t wait - lock in lower rates.
Mortgage
Low rates are here - secure yours now.
Don’t wait - lock in lower rates.
Mortgage
Make big moves with confidence
Big moves start here
Big moves
start here
Start your homebuying journey with Rate and discover a better way to mortgage.
With our next-gen tech and best-in-class loan experts at your side, anything is possible.
Tell us where you’re headed and we’ll help you get there with speed and confidence.
With our next-gen tech and best-in-class loan experts at your side, anything is possible. Tell us where you’re headed and we’ll help you get there with speed and confidence.
I’m purchasing
I’m refinancing
43K+ Birdeye Reviews
Avg. 5-Star Rating
30-year fixed 6.0 62%
15-year fixed 5.177%
FHA 30-year fixed 5.825%
VA 30-year fixed 5.487%
Rate
now
Your loan is pre-approved.
Arthur
Congratulations! Your closing documents are now ready to be signed.
Arthur Smith
Sign
PowerBid approved
Rate
now
Your loan is pre-approved.
Find it. Finance it. Done.
Find it. Finance it. Done.
Rate is your one-stop homebuying shop.
Home Search
Browse MLS listings to find your dream home.
Mortgage Rates
See what your personal rate could be.
Mortgage Calculators
Crunch the numbers to discover what’s possible.
Loan Types
No matter your goal, we'll find the right loan for you.
Intelligence
Intelligence
built into everything we do
built into everything we do
Get into your dream home faster with the help of AI.
EMPLOYMENT
INCOME
STATEMENTS
INCOME
STATEMENTS
INCOME
VALUE OF HOME
INCOME
DOWN PAYMENT
INCOME
DEBT
EXISTING LOANS
CITIZENSHIP
EXISTING LOANS
CREDIT
EXISTING LOANS
MARITAL
EXISTING LOANS
ASSETS
ASSETS
ASSETS
INCOME
ASSETS
HOME VALUATION
VALUATION
STATUS
VALUATION
BALANCES
VALUATION
HAND
ASSETS
CREDIT SCORE
ASSETS
DOWN PAYMENT
ASSETS
HISTORY
ASSETS
LOANS
Mortgage loading…
AI-Powered Precision
Smart automation and underwriting reduce human error, ensuring the loan is correct every time and minimizing costly buybacks.
Smart underwriting eliminates errors to give you certainty from the start.
Smart underwriting eliminates errors to give you certainty from the start.
Instant Approvals
Lightning Fast Approvals
Lightning Fast Approvals
Automated income validation and real-time approvals allow borrowers to be approved in seconds, not weeks.
Get your mortgage approved in minutes, not weeks.
Get your mortgage approved in minutes, not weeks.
Stress-Free Process
Automation and real-time alerts streamline the loan process, offering borrowers peace of mind and reducing stress.
Automation and real-time alerts guide you every step of the way.
Automation and real-time alerts guide you every step of the way.
EMPLOYMENT
EMPLOYMENT
INCOME
INCOME
STATEMENTS
STATEMENTS
INCOME
INCOME
STATEMENTS
STATEMENTS
INCOME
INCOME
VALUE OF HOME
VALUE OF HOME
INCOME
INCOME
DOWN PAYMENT
DOWN PAYMENT
INCOME
INCOME
DEBT
DEBT
EXISTING LOANS
EXISTING LOANS
CITIZENSHIP
CITIZENSHIP
EXISTING LOANS
EXISTING LOANS
CREDIT
CREDIT
EXISTING LOANS
EXISTING LOANS
MARITAL
MARITAL
EXISTING LOANS
EXISTING LOANS
ASSETS
ASSETS
ASSETS
ASSETS
ASSETS
INCOME
ASSETS
ASSETS
HOME VALUATION
HOME VALUATION
VALUATION
VALUATION
STATUS
STATUS
VALUATION
VALUATION
BALANCES
BALANCES
VALUATION
VALUATION
HAND
HAND
ASSETS
ASSETS
CREDIT SCORE
CREDIT SCORE
ASSETS
ASSETS
DOWN PAYMENT
DOWN PAYMENT
ASSETS
ASSETS
HISTORY
HISTORY
ASSETS
ASSETS
LOANS
LOANS
Mortgage loading…
Mortgage loading…
Rate App
Home. Health. Wealth. It's all connected.
Home. Health. Wealth. It's all connected.
Meet the next-generation mortgage app that blends financial and personal wellness so you can make big moves with confidence.
Find and finance your dream home, all from your phone
Connect with world-class Loan Officers in your area
Discover expert-led wellness coaching to keep you at your best
Homes
Personal
Financial
Homes
Personal
Financial
Homes
Personal
Financial
Your go-to resource for homebuying
Your go-to resource for homebuying
Discover the latest news, insights and expert guidance to help you make informed decisions on your journey to homeownership.
Discover the latest news, insights and expert guidance to help you make informed decisions on your journey to homeownership.
Get pro tips from the experts
Get pro tips from the experts
Get pro tips from the experts
Stay on top of the latest market trends, expert advice and wellness coaching.
Stay on top of the latest market trends, expert advice and wellness coaching.
“Rate was a tremendous help with my first home. They were extremely reliable and knowledgeable throughout the loan process. They answered all of my questions and made it very transparent on what was needed throughout the process.”
Justin G.
Best Online Mortgage Lender for First-Time Homebuyers 2024
Best Online Mortgage Lender for First-Time Homebuyers 2023
Best Home Equity Line of Credit Borrowers with Fair Credit
4.5/5 Avg. Rating by 900+ members
“Rate was a tremendous help with my first home. They were extremely reliable and knowledgeable throughout the loan process. They answered all of my questions and made it very transparent on what was needed throughout the process.”
Justin G.
“Rate was a tremendous help with my first home. They were extremely reliable and knowledgeable throughout the loan process. They answered all of my questions and made it very transparent on what was needed throughout the process.”
Justin G.
The competitive edge buyers need
Here for what's next
Here for what's next
Supercharge your homebuying journey with speed and confidence that puts you ahead of the pack. Experience simplified applications, lightning-fast approvals and low rates. Start your journey with Rate today.
The no-stress, high-intelligence mortgage is at your fingertips.
Whatever moves you’ve got in mind, we got you.
The no-stress, high-intelligence mortgage is at your fingertips. Whatever moves you’ve got in mind, we got you.
manage your mortgage
Sign in to your account
Pay your mortgage
Contact us
about us
Overview
Core values
Leadership
Press
Our Foundation
careers
Loan officers
Operations
Tech
All open positions
websites
Rate Insurance
Advocus Title
Agent Advantage
Stay up to date with Rate
Keep up with latest housing
market trends and more.
Keep up with latest housing market trends and more.
Enter your email address
Subscribe
Accessibility
Licensing
Notice to Vendors
Privacy Policies
SMS Terms
Terms of use
DNC
NMLS Consumer Access
Delaware Licensed Loan Officers
Texas Consumers: How to file a complaint
Do not sell my personal information
Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
Copyright © 2024 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.
NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org
Arizona Mortgage Banker License #0907078
3940 N. Ravenswood Ave Chicago, IL 60613
Operating as Guaranteed Rate, Inc. in New York.
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
Rate puts people
Rate puts people
first
first
From our customers to our mortgage advisors, we put people ahead of business.
Successfully funded $21.7B
in loans in 2023
Successfully funded $21.7B in loans in 2023
Get a loan
Members trust us with a 96%
customer satisfaction score
Members trust us with a 96% customer satisfaction score
Try it for yourself
600+branches serving
all 50 states
600+branches serving all 50 states
Find a location
Rate's has the first-ever mortgage experience designed entirely in Spanish from start to finish.
Rate's has the first-ever mortgage experience designed entirely in Spanish from start to finish.
Our Loan Officers provide you with low rates,
world-class service and a stress-free process.
Our Loan Officers provide you with low rates, world-class service and a stress-free process.
