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OTHER LENDERS PAY FOR ADS. WE PAY YOU.

Earn TODO when you join. And no, we're not rolling that into your rate or hidden
fees.

How it worksSee your TODO in action

Safe Rate currently offers mortgage loans in Illinois.

Read: "How to Shop for a Mortgage Loan Online"




$0

spent on ads

No manipulative ads or teaser rates for us. We focus on being a lender people
recommend.



$10,000

saved on average over life of loan *
Lower costs mean lower rates, saving our customers thousands over the life of
their mortgage loan.



18

days to close

We close loans in 18 days on average through our fully-digital process. No
45-day loan cycles here.



1.4

loans per customer

Even though we’ve just started, people have already returned to us for their
next purchase or refinance.

* Savings assume a 30-yr fixed rate mortgage with a $400,000 home price, 7% down
payment and 740 FICO. Original rate of 4.875% and reduced rate of 4.75% after
applying TODO to buy down rate.


HOW WE'RE DIFFERENT

Mortgage lenders spent $1 billion last year on advertising. Not Safe Rate. We’re
so confident in our service, we grow 100% through referrals. Without costly
advertising, we pass the savings onto you.

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YOU KEEP THE $1 BILLION

Use the TODO to lower your interest rate, reduce your closing costs or redeem
for a gift card at participating home stores to spruce up your new place. You
control how you save.

See your TODO at work

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illustration:saving-money-1



NO LENDER FEES, GUARANTEED

No application fees, underwriting fees, processing fees or commission fees. You
have better things to spend your savings on than unnecessary mortgage costs.

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ZERO TO HOME IN 18 DAYS ON AVERAGE

Our fully digital mortgage application takes 18 minutes to complete and we close
on loans in 18 days on average. Now that’s fast!

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NOT READY YET? WE'LL GET THERE TOGETHER.

Schedule a time to talk to us and we’ll set you up for homeownership success.
Here are some questions aspiring homeowners have asked us:

 * When is the right time to buy a home?
 * What are the costs of getting and paying off a mortgage?
 * Which products make sense for my situation?
 * What are the steps in the mortgage process?
 * What are mortgage rates today?


SCHEDULE A CHAT WITH DYLAN

Licensed Mortgage Expert


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VISIT OUR VIDEO LIBRARY

24 videos


THREE WAYS TO SPEND YOUR TODO

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Lower your rate

Use your TODO to reduce the interest rate on your mortgage. This is a great
option if you plan on staying in your home for a long time.


icon:bill-stack-icon-light

Pay towards closing costs

All mortgage transactions have closing costs like appraisal, title insurance and
homeowners insurance. Use the TODO towards closing and pay less out of pocket.


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Redeem for gift cards

Redeem for gift cards at Amazon or Home Depot. A great option if your new place
needs a little sprucing up to make it your perfect home.

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No Lender Fees Guaranteed

We will never charge you an application fee, underwriting fee, processing fee,
commission fee or other hidden fees. The savings you get are yours to keep.

See your TODO in action


WHAT PEOPLE HAVE TO SAY

"If you've gone through the mortgage or refinance process, at some point you
probably have said, "If someone could just figure out how to make this process
seamless, I'd be a customer for life!" Well, enter Safe Rate. They have taken a
typically tedious process and made it very easy to navigate. Do yourself a favor
and connect with Safe Rate if you're considering buying a home or refinancing
your current one. You will not be disappointed."

Kathleen C.

Illinois purchase



"Safe Rate is a great resource for anyone thinking about buying a home but
unsure where to start. Early in my mortgage process I had a few chats with Dylan
and Shima and they really helped me understand my options and how the process
works. Best of all, there's no condescension with them, it's more like talking
with two friends who just happen to know mortgages really well."

Hilary L.

Illinois purchase and refinance



"Dylan was incredibly helpful. He quickly helped me determine if it made sense
to refinance, gave me a few options and helped make the process easy. I really
appreciated his transparency and patience. I couldn't be happier with my
experience!"

Manas M.

Illinois refinance



“Safe Rate is a non-bank lender that offers a genuinely useful product for
borrowers.”

Housing Finance Edition, January 2020



“Safe Rate has found a market-driven way to align incentives between the
homebuyer and financial institutions. It’s a win-win for the marketplace. ”

Jason Pariso, director of the University of Chicago Innovation Fund


SIGNING UP IS EASY

1

Share your home goals

2

Pick how you'd like to spend your savings

3

Complete an application

4

Save on your mortgage costs when you close with Safe Rate

Sign up



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Ready to join the journey to $1B saved?

Tell us your home goals and we'll get you there.

Get started


Have questions?

icon:meeting-team-monitor-iconSchedule a time to chat with Dylan
icon:email-send-icon
Email: dylan@saferate.com
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Call: (312)248-0234

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© 2022 Safe Rate Inc. and/or its affiliates. Safe Rate is a family of companies.
Safe Rate Lending provides home loans. All rights reserved.

Home lending products offered by Safe Rate Lending. Safe Rate Lending is a
direct lender. NMLS #1590949. 515 N State St, Floor 13, Chicago, IL 60654. Not
available in all states. Equal Housing Lender. NMLS Consumer Access