1. Find
    1. 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.

      Rate Home

      5 minute applications

      Take charge of homebuying with smart tools and quick applications.

      Get pre-approved
    2. Pre-approvals
    3. First-time homebuyers
    4. Home affordability
    5. Purchase rates
    6. Affordability calculator
    7. Mortgage upgrades

      Shorten your term, create cash, or get a lower rate and save big.

      Apply now
    8. Refinance calculator
    9. Refinance rates
    10. Refinance options
    11. Unlocked value

      Use your home to fund renovations, major expenses, or tackle debt.

      Discover equity
    12. Home equity options
    13. Home equity calculator
    14. Home valuation
    15. Flexible choices

      Find options built for first-timers, investors and everyone in between.

      Find your loan
    16. 30-Year mortgage
    17. 15-Year mortgage
    18. FHA mortgage
    19. VA loans
    20. USDA loan
    21. Jumbo loan
    22. Adjustable rate mortgage
    23. Home equity line of credit
    24. Reverse mortgage
    25. Mortgage refinance
    26. Closed end second mortgage
    27. Renovation
    28. Non-QM
    29. Personalized options

      Review opportunities, crunch the numbers and pick your perfect rate.

      Get started
    30. 30-Year rates
    31. 15-Year rates
    32. FHA rates
    33. VA rates
    34. Jumbo rates
    35. Help and answers

      From the big questions to the fine print, we have what you're looking for.

      Learn more
    36. Mortgage calculators
    37. Articles
    38. News
    39. Find a loan officer
    40. About Rate
      • Find
      1. Search
      2. Log inLog in
      3. Get pre-approvedGet pre-approved

      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.

      • Rate.com/
      • Resources Settings

      Mortgage articles & resources

      Let our mortgage articles help you understand both our services and home loans in general.

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

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

      Which assets can I include on my home loan application?

      Which assets can I include on my home loan application?

      How Much House Can I Afford With a $2,500 Monthly Payment?

      How Much House Can I Afford With a $2,500 Monthly Payment?

      How to qualify for an FHA loan

      How to qualify for an FHA loan

      Browse by topic

      Want to go deeper? Discover more of what matters to you by browsing our curated topics.

      Buying a home

      Down payment assistance

      First-time homebuyer

      Home equity

      Home renovation

      Mortgage basics

      Mortgage news

      Mortgage refinance

      Non-Qualified Mortgage

      Owning a home

      Reverse Mortgage or HECM

      VA mortgage

      Browse all resources

      Mortgage rates at their lowest levels of 2025

      Mortgage rates at their lowest levels of 2025

      Above view of a street in a neighborhood.

      How have home values changed in 2025?

      buying a home in los angeles

      How to buy a home in Los Angeles

      Couple looking at a laptop.

      Which tax deductions should first-time homeowners know about?

      What did existing home sales look like in September? Hero Image

      What did existing home sales look like in September?

      What Is a Personal Loan

      What Is a Personal Loan?

      Home energy efficiency tips

      10 Ways to Make Your Home More Energy Efficient​

      2025 HELOC and Home Equity Loan Requirements

      2025 HELOC and Home Equity Loan Requirements

      How to buy a home in New York City

      How to buy a home in New York City

      What is IRRRL (Interest Rate Reduction Refinance Loan)?

      What is an IRRRL (Interest Rate Reduction Refinance Loan)?

      How can my family help me get a first home?

      How can my family help me get a first home?

      How to buy a home in Chicago

      How to buy a home in Chicago

      1

      •••

      Rates have fallen. Move now.

      Whether you’re buying a home or refinancing, there’s never been a better time to lock in a lower rate.

      Buy a homeStart a refinance

      MANAGE YOUR MORTGAGE

      • Sign in to your account
      • Pay your mortgage
      • Contact us

      ABOUT US

      • Overview
      • Core values
      • Leadership
      • Press
      • Our Foundation

      CAREERS

      • Loan Officers
      • Operations
      • Tech
      • All open positions

      WEBSITES

      • Rate Insurance
      • Advocus Title
      • Agent Advantage
      • 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 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 © 2025 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.