Compare Mortgage Rates From Licensed Lenders
Whether you're buying your first home or refinancing, answer a few quick questions and get matched with licensed lenders competing for your business.
- ✓ Free — no cost and no obligation
- ✓ Takes about 60 seconds
- ✓ Checking options won't affect your credit score
- ✓ Purchase, refinance & cash-out options
easymtge.com is a free consumer-matching service, not a lender. We connect you with licensed mortgage professionals.
Get Your Free Rate Quote
Tell us a little about your goals — it only takes a minute.
How It Works
Three simple steps between you and a better mortgage.
Tell Us Your Goals
Answer a few quick questions about the home, your down payment, and your credit profile. It takes about a minute and it's completely free.
Get Matched
We connect you with licensed lenders and mortgage professionals who serve your state and fit your situation.
Compare & Choose
Review your options side by side — rates, terms, and closing costs — and move forward only if you find a deal you love.
Why Shop Your Mortgage?
Even a small rate difference adds up to serious money over the life of a loan.
Small Rate, Big Savings
On a $350,000 30-year loan, a rate just 0.5% lower can save you tens of thousands of dollars in interest over the life of the loan.
Lenders Compete
Borrowers who get multiple quotes consistently secure better pricing than those who accept the first offer from their bank.
Know Your Numbers
Use our free mortgage calculator to estimate your monthly payment before you talk to anyone.
Frequently Asked Questions
Straight answers to the questions we hear most.
Lenders price your rate based on your credit score, down payment, loan amount, property type, loan term, and current market conditions. That's exactly why comparing multiple lenders matters — each one weighs these factors a little differently.
Pre-qualification is a quick estimate based on information you self-report. Pre-approval is stronger: the lender verifies your income, assets, and credit, and issues a conditional commitment. Sellers take pre-approved buyers much more seriously.
Conventional loans typically want 620+, FHA loans can go as low as 580 (sometimes 500 with a larger down payment), and VA loans have flexible requirements for eligible veterans. Higher scores unlock meaningfully better rates.
Typically 2%–5% of the loan amount, covering origination fees, appraisal, title insurance, and prepaid taxes and insurance. Some lenders offer credits toward closing costs in exchange for a slightly higher rate — another reason to compare offers.
A common rule of thumb: refinancing is worth exploring when you can lower your rate enough that the monthly savings repay your closing costs within a couple of years — or when you want to shorten your term, drop mortgage insurance, or take cash out of your equity.
Yes — the service is free to you. When we connect you with a licensed lender or mortgage professional, they may pay us a marketing fee. That compensation never changes the rates or terms you're offered, and you're never obligated to move forward with anyone we introduce.
Ready to see your options?
It's free, takes about a minute, and there's no obligation.
Get My Rate Quote