Close this search box.

No Sales Reps, Just the Best Rates

Mortgage Rater makes getting a mortgage fast, easy, and all-digital. No need to talk to a anyone – simply apply online and get the best rates in minutes. By eliminating sales reps, we pass the savings on to you. Simplify your home buying process with Mortgage Rater today!

Find Your Dream Realtor and Dream Home

Browse Home Listings with Realtor Rankings

1St Time Home Buyers Programs

Story Of Mortgage Rater

Quick, Easy, Simple

Mortgage Rater: The Future of Home Financing

At Mortgage Rater, we revolutionize the mortgage process by making it fast, easy, and entirely digital. Founded with the mission to simplify home financing, our platform allows you to secure the best rates without the hassle of traditional sales reps. By eliminating unnecessary sales, we pass the savings directly to you. From application to approval, everything is done online in minutes, ensuring a seamless and transparent experience. Our no-haggle policy means you get the best rates upfront, with no hidden fees or last-minute surprises.


Free Mortgage Rate Calculator

Calculate Monthly Mortgage Payments For Free

Want to know your monthly mortgage payments instantly? Our mortgage rate calculator makes it easy! Just enter your loan details – interest rate, term length, and amount – and get a quick, accurate estimate. It’s fast, free, and always up-to-date with current rates. Simplify your home financing with our convenient calculator and plan your budget with confidence.

Mortgage Rate Calculator

Mortgage Payment

Home Improvement

It's time to upgrade. We got you covered.

First Time Buyers

What you need to know, easy to understand and take action.

Travels & Vacation

Need a getaway? We can help you take off without any (emotional) baggage.

Small Business

Be your own boss. Get your passion or invention up and running.

Baby & Adoption

There's nothing more important than family. Make sure they're set for success.

Our Features

Quick Easy Info

Low Rates

Mortgage rates are constantly shifting, so it's essential to stay ahead of the market. will assist you in finding the best mortgage rates available.

Quick & Easy

When it comes to getting a mortgage, don't feel overwhelmed. Finding an excellent rate doesn't need to be complex or time-consuming - we have you covered with our quick and easy mortgage rates.

Compare Rates

When it comes to mortgage rates, there is much to compare. We make it simple and stress-free for you to compare thousands of rates and find the best rate possible for your situation.

Trusted Mortgage Lenders

Finding a trustworthy mortgage lender is an essential step in the home-buying process. Make sure to research only top-rated lenders in this industry for best results.

Updated Information

Finding the most competitive mortgage rate requires having up-to-date information. has accurate loan rates that are easy to locate.

Save Money

Save money by comparing thousands of mortgage rates from multiple lenders across America.

Why get the best Mortgage Rate?

When shopping for a home, one of the most important factors to consider is your mortgage rate. Finding the lowest rate can save you thousands over the life of your loan, so it’s worth doing some research and shopping around. In this post, we’ll explain why getting an attractive rate is so crucial and provide helpful tips on finding one. Stay tuned for more helpful hints on buying a house!

Mortgage rates can differ significantly between lenders, so it pays to shop around and compare offers. Use a mortgage calculator to estimate what your monthly payments would look like with different interest rates.

Once you’re ready to apply for a home loan, select several lenders and compare their Mortgage rates. Don’t forget to factor in other factors like fees, customer service, or the type of loan that fits best into your budget. When you find the ideal rate, lock it in by getting pre-approved for the loan.

Finding the best Mortgage rate is an essential aspect of buying a home, but it’s not the only factor you should take into account. Be sure to compare rates from several lenders and take all other aspects into account before making your final decision.

We hope this blog post was of some assistance! If you have any queries, please don’t hesitate to get in touch – we are more than happy to assist!


Shop Around

One of the best ways to find a low-interest rate is by shopping around. Speak to different lenders and compare their rates, making sure to compare like with like; some lenders may advertise low rates but charge high fees, so be sure to inquire about all costs associated with each loan. 

Shop Rates around

Mortgage rates can differ considerably between lenders, so it pays to shop around and compare offers from various providers. Be sure to compare both the interest rate and Annual Percentage Rate (APR), which accounts for fees and other costs in addition to just interest.

There are several ways to determine your interest rate. You can use an online Mortgage Rate Calculator which will give an approximate figure. Alternatively, you could get Mortgage Quotes from different lenders which would be more precise since they take into account specific loan details. 

Compare Mortgage Rates

Once you have several Mortgage Quotes, it’s time to compare them. Look at the interest rate, fees and terms of each quote to find a balance between low-interest rate and reasonable fees. While you don’t want to overpay in interest or fees, making sure not to end up with a loan that has both high-interest rate and high fees could prove costly in the end.

The final step in the home loan application process is selecting a lender with the most competitive mortgage rate and terms. Once you’ve identified your ideal lender, it’s time to apply for a loan; the application process may differ depending on which lender you select; typically there will be an application fee, credit check, and proof of income required.

With these steps, you’re guaranteed the best mortgage rate available! Mortgage rates can save thousands of dollars over the life of your loan, so it’s essential to shop around and compare rates from various lenders. Use an online Mortgage Rate Calculator or Mortgage Quotes to compare prices, then pick the lender offering the most competitive rate and terms for your home loan. 

Get Competing Loan Offers at No Cost

Mortgage Rater makes it simple for you to compare mortgage rates from multiple lenders who compete for your business. Get multiple offers in writing and find the loan that is best suited to you - at no cost! Plus, there's no obligation to accept any of them either!


Take the First Step
Toward Your Dream Home

Latest Insights

Will The Housing Market Crash

Will The Housing Market Crash: Shocking Predictions

The big question on everyone’s mind is, “Will the housing market crash?” Well, to get a handle on whether we’ll hit a snag in 2024, we need a layered approach. Let’s dive in, peeling back the layers like an onion to see what might be lurking underneath the shiny surface. Examining Historical Trends: Have Housing Bubbles Led to Crashes Before? Throughout history, housing bubbles

Read More ⟶
When Will House Prices Drop

When Will House Prices Drop Shocking Predictions

The question “when will house prices drop” continues to dominate real estate discussions into 2024. With market volatility from economic shifts, buyers and investors are eager for concrete answers. In this article, we delve deep into market trends, expert opinions, and statistical data to uncover the possible future of housing prices. Current State of the Housing Market: Are Home Prices Dropping? Recent data from

Read More ⟶

Compare Listings

Mortgage AI

Get instant mortgage info for FREE

Trigger Chatbot

Monday mortgage newsletter

Best Mortgage Rates

Don't miss great home rates!

Your privacy is important to us. We only send valuable information and you can unsubscribe at any time. For more details, see our Privacy Policy.