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.

Tools to help your financial growth

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

Home affordability

Home affordability

Mortgage rates

Mortgage rates

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.

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Personal Wellness

Dr. Deepak Chopra

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

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Deepak Desktop

Make your move, powered by Rate


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

Home equity line of credit

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

Same day mortgage

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

Rate insurance

Save an average of $760 with Rate Insurance.

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Rate foundation

We believe we can accomplish amazing things together.

Purchase rates

Today's mortgage rates

Compare the national average mortgage rate to current rates available.

Rates current as of . 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.

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

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

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

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

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

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