Rate

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 HELOC rates have dropped. Apply in 5 minutes — get your funds in as few as 5 days.

Mortgages · Refinancing · Home Equity

Win with Rate.

A 100% digital application, funding in as few as 5 days, and a licensed loan officer who actually answers the phone. Buy a home, refinance the one you own, or put your equity to work — starting with your real numbers, not a sales pitch.

★ 4.9 / 5 400,000+ verified customer reviews
100% digital Apply in about 5 minutes
As few as 5 days From application to funds
NMLS #2611 Licensed in all 50 states

Where to start

One site. Four doors.

For Buyers Get pre-approved before you shop — know your number, negotiate like cash. Get started → Refinance Rates move. Lock a better one, cut your payment, or take cash out. See your numbers → Home Equity (HELOC) Your cards charge 24%. Your house charges 6.60%. See what you'd keep. Run the numbers → For Loan Officers Find your Rate loan officer — licensed, local, and one number away. Meet them →

Digital where it helps, human where it counts

Real people close these loans.

The application is digital because paperwork shouldn't take an afternoon. Everything after that — the rate questions, the timing, the what-ifs — is a conversation with a licensed loan officer whose name and number are on the page.

No 1-800 queue. No call center. Just the person responsible for your file.

4.9 ★★★★★ 4.9 · 1,572 Google reviews

Start with your numbers.

Five minutes to apply. No credit impact to check what you'd qualify for. Funding in as few as 5 days when you're ready.

Apply in 5 Minutes → See What I Could Qualify For

Prefer to talk first? (617) 827-6674

Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.

Rate may choose to recommend Rate Insurance, LLC. Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.

APRs can be as low as 6.60% for the most creditworthy applicants. Your rate will vary based on your credit profile, combined loan-to-value, loan term, and origination fee selection. Not available in all states. Currently not offered in the states of New York, Kentucky, West Virginia, Delaware and Maryland.

The HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.

Savings figures shown on this page are interest-only illustrations comparing a representative 24% APR credit-card balance to a Rate HELOC at 6.60% APR. They are not an offer, a quote, or a guarantee of savings.

The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.

NMLS License #2611 — For licensing information, go to: www.nmlsconsumeraccess.org

Arizona Mortgage Banker License #0907078

3940 N. Ravenswood Ave, Chicago, IL 60613

Operating as Guaranteed Rate, Inc. in New York.

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