All loans
Home loan
Fixed and adjustable mortgages from 40+ lenders, with the full cost shown before you apply.
Time to fund
21 days on average
Overview
A mortgage you can read in one sitting
We compare fixed and adjustable mortgages from more than 40 lenders and bring you the three with the lowest total cost for your situation. Each offer shows the rate, the APR, every fee and the total you will repay, on one page.
You keep the same advisor from your first call to the day you get your keys. They check your numbers, chase the paperwork and tell you plainly if a cheaper option exists.
Down payments from 3%
Conventional loans start at 3% down for first-time buyers, and we can check grants and down payment programs in your state. If you put down less than 20%, we show the cost of mortgage insurance up front, so there are no surprises at closing.
Good for
Buying your first home
Moving to a bigger or smaller place
Buying a second home
Comparing fixed and adjustable rates side by side
Who qualifies
Credit score of 620 or higher for most loans
Down payment of 3% or more
Two years of steady income
Debt-to-income ratio under 45%
What you will need
Photo ID
Driver license or passport
Pay stubs
Last 30 days
Tax returns
Last two years, with W-2s
Bank statements
Last two months, all pages
Purchase agreement
Once you have an accepted offer
Loan facts
Rate type
Fixed or adjustable
Term
10 to 30 years
Amount
$80k to $2.5M
Fees
$0 broker fee
Time to fund
21 days on average
Soft check only. It does not affect your credit score.
Calculator
Run the numbers.
Start from today’s rate, then change the amount, rate or term. The payment updates as you move.
Questions
Questions about this loan.
Fine print
Representative example: borrowing $450,000 over 30 years at 6.12% (6.24% APR) costs $2,733 a month. Total amount payable $983,805, including $533,805 interest. Your rate depends on your credit profile and circumstances.
