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today’s mortgage rates

30-year fixed 6.062%
15-year fixed 5.177%
FHA 30-year fixed 5.825%
VA 30-year fixed 5.487%

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Buy a home

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Rates

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never been a better time to lock in a lower rate.

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24 hour approval

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Lower your payment or term and discover ways to maximize your home's equity.

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Move faster than the market to get the home you really want. Powered by Same Day Mortgage™, gain the competitve edge you need to purchase your dream home.

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Smarter

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Faster

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Financial

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Our customers speak for us

Awarded ‘Best Mortgage Lender for First Time Homebuyers’ by nerdwallet for 2023

“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.
97%
of our customers would refer us to their friends and families.
“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.
4.5/5
rating based on 934 reviews via Intuit Credit Karma members.
“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.
24
years of expertise, including launching the world’s first digital mortgage in 2015.
“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.
97%
of our customers would refer us to their friends and families.
“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.
4.5/5
rating based on 934 reviews via Intuit Credit Karma members.
“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.
24
years of expertise, including launching the world’s first digital mortgage in 2015.
“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.
97%
of our customers would refer us to their friends and families.
“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.
4.5/5
rating based on 934 reviews via Intuit Credit Karma members.
“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.
24
years of expertise, including launching the world’s first digital mortgage in 2015.
“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.
97%
of our customers would refer us to their friends and families.
“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.
4.5/5
rating based on 934 reviews via Intuit Credit Karma members.
“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.
24
years of expertise, including launching the world’s first digital mortgage in 2015.

resources

The latest mortgage news

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

Buying a home

How to prepare for a mortgage rate drop

Sep 12, 2024

Mortgage process & options

What you need to know about mortgage rates, the fed and you

Aug 27, 2024

Owning a home

HECM & Reverse Mortgage: Myths & facts

JUl 5, 2023

Mortgage news

Fed surprises with September rate slash

Sep 18, 2024

getting a home loan has never been easier

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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.
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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.

Make big moves.

The future of mortgage lending

Purchase

Refinance

Homebuying at the speed of AI

Get approved, fast

Affordability

Payments

Rates

Value

Insurance

HELOC

Approval

Your wellness journey starts here

Find your balance, fuel your future.

Our customers speak for us

97%

4.5/5

24

The latest mortgage news

Lock in your rate