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 1. Current rates
 2. Mortgages
 3. Loan options
 4. Mortgage tools

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Mortgages
 1. Mortgage Overview
 2. Mortgage news
 3. Mortgage rates today
 4. Mortgage pre-approval
 5. Mortgage process
 6. Mortgage calculator
 7. Refinance
 8. Cash-out refinance

Back
Loan options
 1.  Fixed Loans
 2.  15-year fixed loans
 3.  30-year fixed loans
 4.  ARM Loans
 5.  5-year ARM loans
 6.  7-year ARM loans
 7.  10-year ARM loans
 8.  FHA loans
 9.  15-year FHA loans
 10. Interest only loans
 11. VA loans
 12. Jumbo loans
 13. Personal loans
 14. HELOC
 15. HECM & Reverse
 16. Home Renovation loans

Back
Mortgage tools
 1. Mortgage calculators
 2. Closing cost calculator
 3. Refinance calculator
 4. Affordability calculator
 5. Extra payment calculator
 6. Points calculator
 7. Home valuation tool
 8. Housing market research
 9. Financial education courses


 1. Current rates
 2. Mortgages
    Mortgage OverviewMortgage newsMortgage rates todayMortgage
    pre-approvalMortgage processMortgage calculatorRefinance Cash-out refinance
 3. Loan options
    Fixed Loans15-year fixed loans30-year fixed loansARM Loans5-year ARM
    loans7-year ARM loans10-year ARM loansFHA loans15-year FHA loansInterest
    only loansVA loansJumbo loansPersonal loansHELOCHECM & Reverse Home
    Renovation loans
 4. Mortgage tools
    Mortgage calculatorsClosing cost calculatorRefinance calculatorAffordability
    calculatorExtra payment calculatorPoints calculatorHome valuation
    toolHousing market researchFinancial education courses

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The Rate app can do it all

Meet the only app that combines physical and financial health so you can live
your best life.


DOWNLOAD NOW







The Rate app
can do it all

Meet the only app that combines physical and financial health so you can live
your best life.

Download now






INSTANT FINANCIAL STRESS RELIEVED

With the Rate App, we make handling your finances even simpler. Not only can you
get a mortgage in one day, you can apply for a personal loan in 5 minutes, save
on your insurance, stay connected with your loan officer 24/7 and so much more!
Everything you need to crush your financial goals.

Click setting ⚙, Subtitles, Auto translate to select English or Spanish
subtitles





WATCH THE ANNOUNCEMENT!

From Times Square, Rate Founder and CEO, Victor Ciardelli proudly announces the
Rate App. Witness it here.

Tools for financial growth

Check out what’s in store:

Mortgage payment

Plan your mortgage wisely

Home affordability

Crunch the numbers

Mortgage rates

Compare current rates

Home value

Understand your worth

Download the Rate app today

Download the Rate app today



Learn insights and tips from our financial experts

Our loan experts provide a wealth of knowledge on how to improve your financial
wellness:

Buying a home



Getting cash



Buying a home



Getting cash

Lowering my mortgage payment



Looking for insurance



Lowering my mortgage payment



Looking for insurance

Download the Rate app today

Download the Rate app today





Free wellness classes from experts

With our stress-relieving fitness and wellness classes, you can lower the other
rate that matters, your heart rate. Breathe in, breathe out and breathe easier.

Strength



Meditation



Strength



Meditation

Yoga



Nutrition



Yoga



Nutrition

Download the Rate app today

Download the Rate app today



Everything you need to start your journey

Loans and mortgages

Your future awaits

Personal Loan Officers

At your service 24/7

Wellness

Classes from Deepak Chopra and other experts

Tools and resources

You’ve got goals, let’s hit them

*Rate’s Same Day Mortgage promotion offers qualified customers who provide
certain required financial information/documentation to Rate within 24 hours of
locking a rate on a mortgage loan the opportunity to receive a loan approval
within 1 business day of timely submission of documentation and does not suggest
that the borrower will receive funding on the same day as their application
submission. For purposes of this offer, documents provided after 1 pm local time
or on a weekend or company holiday will be deemed submitted the next business
day. Rate cannot guarantee that a loan will be approved or that a closing will
occur within a specific timeframe. Rate reserves the right to revoke this
approval at any time if there is a change in your financial condition or credit
history which would impair your ability to repay this obligation. Read and
understand your Loan Commitment before waiving any mortgage contingencies.
Borrower documentation and Intent to Proceed must be signed within 24 business
hours of receipt. Not eligible for all loan types or residence types. Minimum
down payment requirements apply. Self-employed borrowers are not eligible. Not
all borrowers will be approved. Borrower's interest rate will depend upon the
specific characteristics of borrower's loan transaction, credit profile and
other criteria. Not available in all states. Restrictions apply. Visit
rate.com/same-day-mortgage for terms and conditions.

**Rate, Inc. may choose to recommend Rate Insurance, LLC and/or Ravenswood Title
Company, LLC to provide insurance and/or title/escrow services. Rate, Inc. has
100% ownership and a direct or indirect financial interest in Rate Insurance,
LLC (d/b/a Rate Insurance Agency, LLC in California (License 0K09890), New
Hampshire (License 2065537), and Texas (License 2557056)) and Ravenswood Title
Company, LLC. You are not required to use Rate Insurance, LLC and/or Ravenswood
Title Company, LLC as a condition for, settlement of your loan on, or purchase,
sale, or refinance of, the subject property. There are frequently other
settlement service providers available with similar services. You are free to
shop around to determine that you are receiving the best services and the best
rate for these services.

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. Restrictions may apply.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S.
and other countries. App Store is a service mark of Apple Inc. Google Play and
the Google Play logo are trademarks of Google Inc.

Rate’s HELOC Program: Rate home equity line of credit (HELOC) is an open-end
product where the full loan amount (minus the origination fee) will be 100%
drawn at the time of origination. The initial amount funded at origination will
be based on a fixed rate; however, this product contains an additional draw
feature. As the borrower repays the balance on the line, the borrower may make
additional draws during the draw period. If the borrower elects to make an
additional draw, the interest rate for that draw will be set as of the date of
the draw and will be based on an Index, which is the Prime Rate published in the
Wall Street Journal for the calendar month preceding the date of the additional
draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw
may be higher than the fixed rate for the initial draw. This product is
currently not offered in the states of New York, Kentucky, Texas, West Virginia,
Delaware and Maryland. The HELOC requires you to pledge your home as collateral,
and you could lose your home if you fail to repay. Borrowers must meet minimum
lender requirements in order to be eligible for financing. Available for
primary, second homes and investment properties only. Dependent on minimum
credit score and debt-to-income requirements. Occupancy status, lien position
and credit score are all factors to determine your rate and max available loan
amount. Not all applicants will be approved. Applicants subject to credit and
underwriting approval. Contact Rate for more information and to discuss your
individual circumstances. Restrictions Apply.

Rate’s HECM Program: This is not a commitment to lend. The borrower must meet
all loan obligations, including living in the property as the principal
residence and paying property charges, including property taxes, fees, and
hazard insurance. The borrower must maintain the home. If the borrower does not
meet these loan obligations, then the loan will need to be repaid. Otherwise,
the loan must be repaid when the last borrower passes away or sells the home.
Prices, guidelines and minimum requirements are subject to change without
notice. Some products may not be available in all states. Subject to review of
credit and/or collateral; not all applicants will qualify for financing. It is
important to make an informed decision when selecting and using a loan product;
make sure to compare loan types when making a financing decision. This material
has not been reviewed, approved or issued by HUD, FHA or any government agency.
Rate is not affiliated with or acting on behalf of or at the direction of HUD,
FHA or any other government agency. To find a Reverse Mortgage counselor near
you, search the HECM Counselor Roster at
https://entp.hud.gov/idapp/html/hecm_agency_look.cfm or call (800) 569-4287.

Rate’s Cash Out Refi: Using funds from a Cash-out Refinance to consolidate debt
may result in the debt taking longer to pay off as it will be combined with
borrower’s mortgage principle amount and will be paid off over the full loan
term. Contact Rate for more information.

Rate’s Personal Loan Program: Representative example of repayment terms for an
unsecured personal loan: For $20,000 borrowed over 36 months at 10.99%, the
monthly payment is $654.68 with a total loan cost of $23,568.47. This example is
an estimate only and assumes all payments are made on time. Savings are not
guaranteed and depend on various factors including, but not limited to, interest
rate and term length. Loan proceeds cannot be used for post-secondary education
expenses or to purchase cryptocurrency or securities.

Terms and Conditions: You must be 18 years of age or older (19 years of age or
older in Alabama). To qualify, a borrower must be a US citizen, a permanent
resident, or a non-permanent resident in the US on a valid, long-term visa. All
loan applications are subject to credit review and approval as well as income
and employment verification. You must meet our minimum requirements established
for this offer including, but not limited to, credit history, debt-to-income
ratio, and application information. Your actual rate depends on your requested
loan amount, loan term, creditworthiness, and a variety of other factors.
Repayment options range from 1 - 5 years. Loan amounts range from $4,000 -
$50,000. Standard fixed rates from 8.99% to 19.99% APR. With a 0.25% autopay
discount established at loan origination with an automated monthly debit from a
qualifying deposit account for repayment, standard fixed rates range from 8.74%
to 19.74% APR. Rates and loan amounts may differ due to state-specific
requirements and may impact your ability to qualify for a loan. Limitations: FL,
ME, NC, TX, VT, PA, and CT (rate); IL, MA, CA, RI and NM (amount); OH
(duration). The lowest rate advertised is reserved for the most creditworthy
borrowers. Advertised rates and terms are current as of 01/13/23 and are subject
to change without notice. Personal loans are only available in AL, AR, AZ, CA,
CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH,
NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, WA, and WY as of 01/09/2023. Loan
applications outside of these states will not be accepted at this time.

Your mortgage

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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 or Share My Personal Information and/or Limit the Use of My Sensitive
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.



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 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.

Version: hotfix-release/2024-12-18-be73518


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