Español
Contact
Mortgage
Personal Loans
Insurance
Make big moves with confidence
Start your homebuying journey with Rate and discover a better way to mortgage.
I’m purchasing
I’m refinancing
43K+ Birdeye Reviews
Avg. 5-Star Rating
Rate
now
Your loan is pre-approved.
today’s mortgage rates
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 Language Access Program is 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…
AI-Powered Precision
Smart automation and underwriting reduce human error, ensuring the loan is correct every time and minimizing costly buybacks.
Instant Approvals
Automated income validation and real-time approvals allow borrowers to be approved in seconds, not weeks.
Stress-Free Process
Automation and real-time alerts streamline the loan process, offering borrowers peace of mind and reducing stress.
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.
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
The competitive edge buyers need
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.
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.