Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency. Rate cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. All dates are estimates and will vary based on all involved parties level of participation at any stage of the loan process. Contact Rate for more information.

¹Source: https://www.globenewswire.com/news-release/2025/03/27/3050927/0/en/Rate-Surpasses-65M-in-VA-Loan-Fee-Waivers-Strengthening-Commitment-to-Veterans.html

²Savings, if any, vary based on consumer’s credit profile, interest rate availability, and other factors. Contact Rate, Inc. for current rates. Restrictions apply.

³©2017-2025 and TM, NerdWallet, Inc. All Rights Reserved.

⁴ VA loans are eligible for a waived lender fee. Offer is subject to termination without notice. This offer does not extend to Housing Finance Agency loans. ‘Triggered RESPA’ in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. 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. Offer not available from any d/b/a or operations that do not operate under the Rate’s name. Restrictions apply.

⁵While the VA does not require a minimum credit score, participating lenders typically look for a minimum credit score starting at 640 for VA loan applicants.

⁶Smart Underwrite utilizes Intelligence Automation (IA), an automated process identifying and validating discrepancies with credit, income, or assets in review of borrower submitted loan documentation prior to an Underwriter making a final approval decision. This automated review should not suggest to a borrower that rate has fully funded or approved the borrowers mortgage application. Rate reserves the right to revoke a loan approval at any time if there is a change in borrower financial condition or credit history which would impair ability to repay. Eligible borrowers include W2 employees purchasing an existing home with a conventional conforming mortgage. Not all applicants will be approved. Restrictions apply.

⁷Using 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 the borrower's mortgage principal amount and will be paid off over the full loan term. Contact Rate for more information.