
5 MIN READ
We want this to be a “win-win” situation. So, we only want to get paid if we bring you value in the form of finding a mortgage lender that works for you. After you review and select a lender participating on our platform, with your permission, we will transmit the information you shared with us to your lender, enabling you to complete a mortgage application with them. Upon transmission, your selected lender will compensate us for obtaining your information. Generally, our lenders pay us and incorporate the cost of our services as part of the final interest rate on your loan, or in your loan amount. You don’t pay anything to Credible if your loan does not close. This is common practice in mortgage transactions where you find your lender through a lender-review platform like ours, also known as a “lead generator.”
Compare mortgage options from multiple lenders
No spam phone calls from lenders
Quick 3 minute process!
Checking rates won’t affect your credit score
Amy Fontinelle is one of Credible's go-to mortgage contributors. She has covered personal finance — including home loans and refinancing, real estate and insurance — for nearly two decades.
Reina Marszalek is Credible's senior mortgage editor and is an experienced multimedia content creator. She previously served as a managing editor at Policy Genius, where she covered the insurance and home verticals.
Mike Schmidt is Credible's senior manager of mortgage operations and is a licensed mortgage loan originator in 50 states. Mike has spent 18 years in the industry, working at various financial institutions. He has expertise in all mortgage products, including conventional, FHA, and VA loans.
Easy to start, easy to finish
1
Fill out a quick form, takes only 3 minutes
2
Compare personalized rates from lenders
3
Finish up with your chosen lender
A modern approach to mortgages
Rates personalized for you
No bias, no bait-and-switch. We show you transparent, prequalified rates so you can make an informed decision.
Security and privacy first
We think you should be able to check rates without sharing your data or getting spammed. Crazy, we know.
All the help you need
Fill out a simple form, choose a rate, then complete your mortgage online with the lender you choose.
NMLS ID 1681276
Total finance charges may be higher over the life of the loan • We arrange loans with third party providers.
Financial Education
Need more info about getting a mortgage?
The information in this section is provided for general education purposes only to allow you to shop for the best loan more effectively and does not necessarily reflect Credible services. For homebuyers, we will not display rates, loan options, take a mortgage application, or negotiate loan terms. We will provide advertisements of lenders you can select from based on a description of factors our lenders work with best.
Still have questions?
We’re here to help!
Michael Schmidt - NMLS ID 717293
Mon - Thurs
Fri
Sat
Sun
9am - 9pm ET
9am - 7pm ET
10am - 6pm ET
Closed
Amy Fontinelle is one of Credible's go-to mortgage contributors. She has covered personal finance — including home loans and refinancing, real estate and insurance — for nearly two decades.
Reina Marszalek is Credible's senior mortgage editor and is an experienced multimedia content creator. She previously served as a managing editor at Policy Genius, where she covered the insurance and home verticals.
Mike Schmidt is Credible's senior manager of mortgage operations and is a licensed mortgage loan originator in 50 states. Mike has spent 18 years in the industry, working at various financial institutions. He has expertise in all mortgage products, including conventional, FHA, and VA loans.
Type | Loan term | Lowest interest rate | Down payment | Offered by |
---|---|---|---|---|
Conventional | 10,15, 20, 30 | 5.75% | 3% or more | Private |
Jumbo | 15, 20, 30 | 6.31% | 10% to 20% | Private |
FHA | 30 | 7.25% | 3.5% to 10% | Government |
VA | 30 | 6.75% | Not required | Government |
USDA | 15, 30 | 6.41% | Not required | Government |
Comparing mortgage rates
Rate lock