Conventional
As little as 3% downA broad range of fixed and adjustable options for primary homes, second homes, and investment properties.
- 15-, 20-, and 30-year terms
- PMI may be removable
- Strong fit for many borrowers
Clear numbers. Competitive options. Human guidance.
When lenders compete, you win.
Compare the complete offer—not just the advertised rate—and connect with independent participating professionals for your home, timeline, and goals.
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Built for better questions before you borrow
Market contextTrue payment estimatesLoan comparisonsClear next steps
Start with context
The advertised rate is not your rate.
Your actual mortgage terms depend on credit, down payment, property, loan purpose, points, and the market when you lock. We show the benchmark, then help you understand the variables that shape your quote.
- See the source and update date
- Separate market averages from personalized pricing
- Compare payment and cash-to-close tradeoffs
Current mortgage indexes
Daily dataToday's market rates
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Rate Watcher
Set up Rate WatcherWatch for the rate you want.
Choose a loan benchmark and target rate. Get an email when the benchmark reaches your target.
Your numbers
Turn a rate into a real monthly payment.
Small changes in rate, down payment, taxes, and term can reshape the whole decision.
Payment calculator
Build your monthly payment.
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Additional costs
Conventional mortgage insurance turns on below 20% down. You can switch it off or use your lender’s figures.
Tax estimates can change with assessed value, exemptions, reassessment, Mello-Roos, and other property charges. Confirm the final amount with the county or your loan estimate.
Loan paths
Compare all options One goal. Several ways to finance it.
FHA
As little as 3.5% downGovernment-insured financing that can work well for first-time buyers and borrowers rebuilding credit.
- Flexible credit guidelines
- Gift funds may be allowed
- Mortgage insurance required
VA
0% down may be availableA powerful benefit for qualified veterans, active-duty service members, and eligible surviving spouses.
- No monthly PMI
- Competitive terms
- VA eligibility required
Useful before persuasive
Tools that help you decide.
The strongest lead starts with a question answered well.
BRRRR deal analyzer
Model acquisition, rehab, rent, refinance proceeds, and cash left in the deal.
ExplorePayment + amortization
See the full payment and how principal and interest change over time.
ExploreLoan comparison
Compare payments, lender charges, and borrowing cost.
ExploreEarly payoff
See how extra principal changes payoff time and interest.
ExploreHome affordability
Find a purchase price that fits your income, debts, and monthly budget.
ExploreRefinance break-even
Compare closing costs, payment savings, and remaining loan balances.
ExploreCash to close
Plan for your down payment, settlement charges, prepaids, and escrows.
ExploreRent versus buy
Compare equity and invested savings over your time in the home.
ExploreInvestment returns + cash flow
Compare cap rate, cash-on-cash return, yield on cost, and debt coverage.
ExploreLearning center
Browse every guide Mortgage knowledge without the fog.
What actually moves mortgage rates?
Understand bonds, inflation, the Federal Reserve, and why a headline rate is only part of your quote.
Read guideHow much house can I comfortably afford?
A practical framework for payment, cash to close, reserves, and the expenses that arrive after move-in.
Read guideWhen does refinancing make sense?
Compare monthly savings with closing costs, break-even time, loan term, and long-run interest.
Read guideMarket news
See all market news What is moving housing and mortgage markets.
Fresh reporting on rates, inflation, employment, housing, and the Federal Reserve.
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Ready when you are
Bring us the goal. We’ll help organize the numbers.
A useful first conversation starts with your timeline, budget, and priorities.