No sample rate. Your rate.
We don't post a teaser number that disappears when you call. Your rate depends on your credit, down payment, property type, and loan amount — so we shop 40+ wholesale lenders and quote you the real one, usually in about ten minutes.
How we quote
We pull live rate sheets from our wholesale lenders three times daily and pick the median. You won't see a teaser rate that disappears when you call. We share the spreadsheet — every option, every fee — and explain the trade-offs in plain English. Lock periods are 30 days unless we tell you otherwise.
- Rates reflect a 30-day lock for a primary residence purchase.
- APR includes lender origination, third-party fees, and any required mortgage insurance.
- Points are upfront payments to lower the rate. We'll run the break-even if it matters.
Your scenario
Rates change with your numbers. Edit any of these to see a personalized quote.
Example assumptions, not a quote.
What a year of rate movement looks like.
The chart is an illustration of the kind of drift a year can bring — context only, because a single week's number rarely changes whether a refi makes sense for you.
If you're trying to time it, talk to us. We'll tell you whether the math actually works.
Get pre-qualified30-year fixed · illustrative 12-month shape
Not published ratesGet my personalized quote.
Share the basics. A real loan officer will shop your scenario and follow up with the numbers that actually apply. No credit pull to start.