Match the scenario
Same loan, same lock period, same day. Compare rate and fees together.
SHOP SMARTER. STAY IN CONTROL.Shop mortgage rates.
Shop mortgage rates.
On your terms.
Find a loan that fits your next move. Compare rates and costs, explore your options, and choose who earns your call. Start with free tools, then review written quotes for the same loan, fees and lock period when you are ready.
Free to shop · You choose the loan officers · Your contact details stay private until you choose to connect.
QUOTE YOUR WAYShop the numbers first.
Shop the numbers first.
Start the conversation when you’re ready.
Mortgage shopping shouldn’t require giving your phone number to everyone. Build one scenario, choose the loan officers, and compare their responses before deciding who can contact you.
Tell us what you need.
Share the loan and property details needed to prepare a useful comparison. Your contact information is kept separate.
Choose who gets the request.
Select eligible loan officers yourself. Each receives the same financing scenario so the comparison starts on common ground.
Compare, then connect.
Review written pricing, fees and assumptions. Share your contact details only with the professional you decide to speak with.
Your scenario is shared for quoting.
Only the loan officers you select receive the financing details needed to respond.
Your contact information is a separate choice.
A quote request does not automatically authorize calls, texts or sales follow-up.
READY WHEN YOU ARE
Start a private quote request, or read the process and privacy details first. You remain in control of who receives the request and who gets an introduction.
START WITH YOUR NUMBERS
Planning calculator · Not a quoteFind a payment that fits your life.
Try a home price and down payment. Adjust the rate and other costs to see the full monthly picture.
Adjust all assumptions
Estimated total housing / month$3,095
- Principal & interest
- $2,528
- Taxes & home insurance
- $567
- HOA & mortgage insurance
- $0
- Loan amount
- $400,000
The example rate is an editable assumption, not an available mortgage offer.
Fixed-rate illustration. Taxes, insurance, HOA dues, and mortgage insurance are your estimates, not a lender quote. A zero mortgage-insurance entry does not mean the loan is exempt. Inputs are calculated in your browser and are not submitted to a lender. “Save my inputs” stores them on this device.
START WITH YOUR NUMBERS
Planning calculator · Not a quoteSee what a different loan could change.
Compare your current loan with a possible new loan. Look at closing costs and total interest alongside the payment.
Adjust all assumptions
New monthly principal & interest$2,398
- Current monthly P&I
- $2,751
- Monthly P&I reduction
- $353
- Simple cost break-even
- 14.2 months
- Current remaining interest
- $491,408
- New scheduled interest
- $463,353
- Closing costs paid in cash
- $5,000
Compare both interest totals and the repayment timelines; a payment reduction is not automatically total-cost savings.
Same principal balance, with closing costs paid in cash. Excludes cash out, financed costs, mortgage-insurance changes, taxes, escrow deposits, and tax effects. Simple break-even uses P&I savings only. A longer term can lower payment while increasing total interest. Inputs are calculated in your browser and are not submitted to a lender. “Save my inputs” stores them on this device.
START WITH YOUR NUMBERS
Planning calculator · Not a quotePut the payment in perspective.
Explore a drawn balance, then compare interest-only payments with repayment and a higher-rate scenario.
Adjust all assumptions
Illustrative interest-only payment$500
- Amortizing repayment / month
- $627
- Interest-only at 10%
- $625
- Repayment at 10%
- $724
An interest-only payment does not reduce your drawn balance.
Interest-only estimate uses balance × annual rate ÷ 12. Repayment assumes the same balance amortizes over the entered term at a constant rate. Actual HELOC minimum payments, variable-rate terms, fees, draw periods, and repayment rules vary. Your home secures the debt. Inputs are calculated in your browser and are not submitted to a lender. “Save my inputs” stores them on this device.
Preparing today’s mortgage market brief…
SHOP ON YOUR TERMS
Start with the decision in front of you.
Shopping guide
How to find the best mortgage lender for you
Find the best mortgage lender for your situation. Compare matching quotes, total costs, loan options and closing reliability, then shop on your terms.
Build your comparison →Shopping guideGetting a mortgage with bad credit: your real options
Explore mortgage options with lower credit scores, including FHA, VA and USDA. Understand lender requirements, prepare your file and compare quotes privately.
Build your comparison →Shopping guideFind a lender who makes your first home purchase clearer.
Compare first-time homebuyer lenders, down-payment assistance, preapproval review and full housing costs. Know which questions to ask before choosing.
Build your comparison →Shopping guideA low-cost mortgage starts with your timeline.
Compare mortgage fees, lender credits, points and cash to close. Learn why a low upfront cost may differ from the lowest cost over time.
Build your comparison →Shopping guideLook for a better mortgage rate—with its costs attached.
Learn how to compare mortgage rates, APR, discount points, lock periods and qualifying assumptions without mistaking a headline rate for your offer.
Build your comparison →Shopping guideA better refinance should improve more than the headline.
Compare refinance rates, fees, loan terms and break-even timing. Measure payment relief against closing costs, payoff progress and the option of keeping your loan.
Build your comparison →Shopping guideShop a HELOC beyond the introductory rate.
Compare HELOC rates, margins, fees, draw periods and repayment risks. Understand borrowing capacity and how a second lien differs from cash-out refinancing.
Build your comparison →How do you compare mortgage quotes fairly?
Give each lender the same loan amount, down payment, loan type, term, occupancy and property details. Compare written offers from the same day with matching lock periods. Review the interest rate, APR, points, lender fees, credits and cash to close, then test costs over the years you expect to keep the loan.
Look past cash to close
Taxes, insurance and escrow estimates can make one offer look cheaper without changing lender pricing.
Keep your options open
Start with several written offers. You choose which participating originators receive an SLR scenario and whether to connect.
Should I compare the interest rate or APR?
Compare both. The note rate determines interest on the loan balance; APR incorporates certain borrowing charges into an annualized measure. APR is not cash to close and does not show your exact cost if you sell or refinance early. Compare matching loan structures, then examine fees and your holding period. An ARM’s APR does not show its maximum possible rate.
Why do lenders quote different rates on the same day?
Different lenders price the same risk differently, and quotes may also hide differences in points, credits, loan details or lock periods. Freddie Mac research documents rate variation among similar applications submitted on the same day. Before deciding one lender is cheaper, have both reprice the identical scenario and explain every fee or assumption that differs.
How many lenders should I compare?
Three comparable written offers is a practical starting point, not a legal requirement or a guarantee of the best deal. Add another if the costs differ materially or you need a different program. Confirm that multiple brokers are not simply showing the same underlying lender. On SLR, request availability depends on eligible participating originators in your property state.
Does shopping for a mortgage hurt my credit?
A hard credit inquiry can affect your score; a soft inquiry does not affect FICO scores. FICO groups qualifying mortgage-shopping inquiries within a window that varies by model: 14 days for older versions and 45 for newer versions. A focused 14-day shopping period is a conservative approach. Ask which type of inquiry is needed before authorizing it. Separate inquiries can still appear on the report.
How can I compare quotes without unwanted sales calls?
Start with public calculators and read the sharing consent before submitting a form. Ask who receives your information, whether it is sold or sent to additional companies, and how to stop contact. SLR’s initial private scenario keeps entered contact details separate from originators; you choose whether to connect. That does not control contact from unrelated websites or your existing relationships.
What are current mortgage rates, and should I lock?
Use the dated market dashboard for national context, then request pricing for your own scenario. A survey average is not an available offer. Ask your lender for a written lock expiration, extension charges and any float-down terms. Choose based on your closing deadline and ability to absorb a higher payment; no forecast guarantees a better rate later.
ALL 50 STATES
What should you check in your state?
Find county loan limits, official housing-agency contacts and practical cost checks. These are educational guides; participating-originator availability varies.
About the state mortgage guides →WHERE ARE YOU HEADED?A useful next step,
A useful next step,
wherever you are.
Start with the questions that matter to you. We’ll help you work through the details.
Buying a home01
Find your starting point.
Plan your budget, prepare for preapproval, and understand the true cost of buying.
The homebuyer collection ↗Refinancing02
Make the math make sense.
Compare payment changes, closing costs, and how long it takes to come out ahead.
The refinance collection ↗Home equity03
See the bigger picture.
Understand credit lines, repayment changes, and what borrowing against your home means.
The home equity collection ↗LESS GUESSWORK. MORE PERSPECTIVE.Good decisions start
All 7 calculators ↗Good decisions start
with good numbers.
01
Refinance break-even
Compare payment relief, closing costs, and scheduled interest.
↗02Extra payment payoff
See how additional principal could change your payoff date.
↗03Debt-to-income ratio
Understand your estimated ratio before a lender conversation.
↗04Points break-even
Compare a lower rate with the upfront price of getting it.
↗Editable assumptions. Clear explanations. Calculations stay in your browser.
The Fed rate is not your mortgage rate.
What changes when the Fed moves? Understand prime, fixed mortgages and HELOCs—and the questions to ask before you lock.
Read the plain-English guide →THE FREE RESOURCE LIBRARYYour unfair advantage?
Explore all 35 resources ↗Your unfair advantage?
Being prepared.
FIELD NOTES / 01
Read betweenthe rates.
THE SHOP LENDER RATES LIBRARY ↗Checklist
Read a Loan Estimate with confidence
Know where to find the rate, costs, credits, and assumptions.
Read the resource ↗FIELD NOTES / 02
Ready beforeyou find it.
THE SHOP LENDER RATES LIBRARY ↗Checklist
The preapproval document checklist
Gather the right paperwork before your first lender conversation.
Read the resource ↗FIELD NOTES / 03
A lower payment.A better deal?
THE SHOP LENDER RATES LIBRARY ↗Guide
Does a refinance actually help?
Look beyond a lower rate to costs, term, and your goal.
Read the resource ↗CLARITY IS THE WHOLE POINT.The best offer should
The best offer should
earn your attention.
Our comparison framework puts rates, fees, and pricing quality in view. Advertising cannot buy an organic ranking. You decide what to explore—and who to contact when you are ready.
Explore Quote Your Way ↗01
Compare before the conversation.
Use free calculators without a phone number, then learn how private quote requests are designed to protect your contact choices.
02
See more than a rate.
Compare upfront costs, payment, and the full story.
03
Keep the choice yours.
Organic placement is independent of advertising.
A better-informed friend
is a good thing to be.
Save your go-to tools for next time, or share a guide with someone making a home decision.
Saved resources stay in this browser. No inbox required.