Trusted by Smart Home Buyers
Access The Best Mortgage Rates from 200+ Lenders
7 Reasons Why You Should Use FHArates.com
We'll get you the best rate in the market or we'll give you $200 for wasting your time!
Our process is 100% online. We will never require an in-person visit.
Our loan process gets your mortgage closed in half the time of traditional lenders. Close in as little as 13 calendar days.
Our new AI system intelligently matches borrowers with the best lender for their exact situation. No more guessing if you have the best deal.
Our loan experts have helped 1,000's of people just like you secure an amazing mortgage
There are never any hidden fees or last minute unexpected rate changes. Guaranteed.
You have access to our network of over 200 wholesale lenders. We have financing for nearly every situation.
How to Get the Best Rate in 3 Easy Steps
Step 1
Get Quotes From 200+ Lenders with 1 Application
Click the button and you’ll go through our easy application process in about 87 seconds.
Step 2
Secure Your New Mortgage Online
Once you submit your application, we send it out to our private network of 200+ wholesale lenders who compete for your business.
Step 3
Start Saving
We’ll get your loan closed in just a few days! get back to life with less stress and more money in your pocket.
Access The Best Mortgage Rates from 200+ Wholesale Lenders
In The Press
FHArates.com Gives You Power Back With Industry Disrupting AI Tech
March 3rd, 2025
Karl Freund founded FHArates.com because the mortgage industry desperately needs change. The mortgage application process has been slow, confusing, and it’s rigged to benefit the banks – not everyday people like you.
We use advanced AI automation and systems that saves us both time and money. We’ve cut the time to complete your mortgage by over 90% compared to traditional banks still taking paper applications the old way.
Now you get the power of choice with access to our private wholesale network of 200+ lenders.
Here there’s 100% transparency and no hidden or last-minute fees. Every step of our process is fast, simple, and user-friendly – plus we are 100% online so you can access it 24/7 from anywhere in the world.
Access The Best Mortgage Rates from 200+ Lenders
The Best Rate in the United States or We Pay You $200* For Wasting Your Time
Time is money, so we’ll find you the best rates from 200+ lenders and deliver them to you in writing within an hour. Why? So you can lower your rate and payments and focus on the more important things in your life.
If we can’t, we’ll pay you $200 for wasting your time – that’s how serious we are about getting you the best deal on your mortgage.
*terms and conditions apply
Access The Best Mortgage Rates from 200+ Lenders
Have Questions? Here's What Home Buyers Ask Us The Most
We are a mortgage broker serving you, and not the banks. We use the latest AI models to automate the application process and match you with the lender with the lowest rates and fees.
Yes! We have programs that can help people with credit scores as low as 480.
Absolutely! We have tons of programs for self-employed borrowers. You can use personal or even business bank statements, P&L’s, or even in some cases stated income.
Banks are retail lenders. Mortgage-Rates.com operates with 200+ wholesale lenders. The rates and fees are substantially less! You’ll save 10’s of thousands!
Let Us Find The Right Mortgage For You & Get $500 Towards Your Next Payment!
Stop paying the “loyalty tax” to your greedy bank and start putting more money back into your pocket. Complete the express loan application below and we’ll get you the best deals and lowest rates from our private network over 200+ wholesale lenders. You can do it in just 87 seconds and it can save you up to $5,000 per year in interest alone!
Plus, if you apply in the month of March we’ll give you $500 towards your first payment. Hurry – this offer does expire on March 31st, 2025.