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Loan expert

 * (866) 934-7283
 * loans@rate.com

Talk to an insurance expert today

 * (866) 947-5397

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 * Mortgage
 * HELOC
 * Personal loans
 * Reverse mortgage
 * Insurance

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958AF723-044B-44AE-8DDF-5F74A73EE180

Purchase or refi

Find the perfect loan for you.



7DAA2E0B-2C44-48F8-B199-5C034869D55B

HELOC

Use your home’s equity.



0BADBA96-4EFF-4947-BB17-54881092BC53

Personal loan

Receive funds within days.



4F05F34B-5AA3-4AFE-9697-2919AE653CEC

Reverse mortgage

Fund your life if you’re near retirement.



ACDC5765-BCF2-486C-9196-DECC4C203A85

Rate Insurance*

100+ top carriers.

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MORTGAGE

Current ratesMortgage resourcesRefinance & homeownershipLoan OptionsMortgage
calculatorsExpert advice

 * 
   How much income & down payment is needed for a $300k home?
 * 
   How much income & down payment is needed for a $400k home?
 * 
   How much income & down payment is needed for a $500k home?




INSURANCE

Home & propertyAutoLifeBusinessSpecialtyExpert advice

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   Which types of motorcycles are easiest to insure in 2024?
 * 
   If my car breaks down, will insurance cover a rental?
 * 
   How Much Does Recreational Vehicle(RV) Insurance Cost?




SELECT THE LANGUAGE YOU PREFER:

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.

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Same Day Mortgage


SO EASY. SO FAST.

Same Day Mortgage can get your loan approved in one day with options as little
as 3% down.
I'm purchasingI'm refinancing
Terms and conditions may apply


HOME LOANS

Find the perfect loan for you




HELOC

Use your equity for home renovations




REVERSE MORTGAGE

Fund your retirement life




RATE INSURANCE*

We’ve got you covered

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VA LOANS

Home loans built for veterans




PERSONAL LOANS

Receive funds within days




AFFORDABILITY PROGRAMS

Make homebuying more affordable




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TOOLS TO HELP YOUR FINANCIAL GROWTH

Our tools empower you to understand and take control of your finances.


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

Rate App


FINANCIAL WELLNESS. PERSONAL WELLNESS.

The only fintech app that combines financial and personal wellness so you can
live your best life.






DR. DEEPAK CHOPRA

Get exclusive content for free to help you with your wellbeing from Dr. Deepak
Chopra when you download the Rate App!






MAKE YOUR MOVE, POWERED BY RATE

Compete with cash offers and bid, buy, and close fast.

Lock your rate

Our HELOC rate is locked in for the life of your loan!

Learn more

The competitive edge you need to purchase the home you want.

Get started

Save an average of $760 with Rate Insurance.

Start saving today


* The above link will direct you to an external website.

We believe we can accomplish amazing things together.

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TODAY'S MORTGAGE RATES

Compare the national average mortgage rate to current rates available.

See our ratesRead Rate news

Rates current as of 8.11.2024, 01:00:00. Rates current for Cook County,
Illinois, available through Rate's Online Division and are subject to change
without notice

National Average Rates are provided for informational purposes only and are not
advertised rates from Rate, Inc.

 * 1M
 * 3M
 * 6M
 * 1Y
 * 2Y




line chart

30-year fixed
6.701%
15-year fixed
6.045%
FHA 30-year fixed
6.346%
VA 30-year fixed
6.175%


TERMS AND CONDITIONS

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.



TESTIMONIALS THAT SPEAK VOLUMES

Rate is proud to announce that it has been awarded Best Mortgage Lender for
First Time Homebuyers by NerdWallet for 2023.

Rate helped us to get the loan for our first new home. They were very
co-operative and helpful throughout this process. They responded very fast to
our inquiries and make the whole complex loan process smooth for us. I would
recommend.

Mthun G



Helped me find a great home for a great price that fit in my budget! Great with
communication, and everyone was very easy to work with and made the process easy
and flow effortlessly! Once again thank you to all of you!

Brandon P



With the markets constantly changing, Rate stayed on top of it throughout the
process to get me closed on time and meet all the challenges quickly. They went
the extra mile. I would absolutely recommend Rate and would use them again
without question.

John O



It's so important to work with a lender that stands behind their pre-approval
and closes on time. They are able to meet and often times are able to close
early, while still proving outstanding service to all parties involved. A++

Kenneth W



The Rate team stepped up and saved our financial day. The funds for our new
house came through quickly and painlessly. They were able to solve a couple of
problems easily. Can't recommend them enough.

Jim C



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 helped us to get the loan for our first new home. They were very
co-operative and helpful throughout this process. They responded very fast to
our inquiries and make the whole complex loan process smooth for us. I would
recommend.

Mthun G



Helped me find a great home for a great price that fit in my budget! Great with
communication, and everyone was very easy to work with and made the process easy
and flow effortlessly! Once again thank you to all of you!

Brandon P



With the markets constantly changing, Rate stayed on top of it throughout the
process to get me closed on time and meet all the challenges quickly. They went
the extra mile. I would absolutely recommend Rate and would use them again
without question.

John O



It's so important to work with a lender that stands behind their pre-approval
and closes on time. They are able to meet and often times are able to close
early, while still proving outstanding service to all parties involved. A++

Kenneth W



The Rate team stepped up and saved our financial day. The funds for our new
house came through quickly and painlessly. They were able to solve a couple of
problems easily. Can't recommend them enough.

Jim C



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

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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.



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