Other lenders hide their rates. Ours are right here.

Our guess: hidden pricing is high pricing. These are the wholesale rates we actually quote from, refreshed with every pricing update, because rates this sharp are pointless if nobody gets to see them. No sales pitch, no phone call, no hard credit pull.

Price my exact scenarioTakes about a minute.

40+ wholesale lenders
$0 lender fees
No hard credit pull
30-day commitment
NMLS #2752340

Today's rates

Live

as of August 28, 2026 09:38 AM · 30-day commitment

ProductRateAPR

30-year fixed6.375%6.40%

15-year fixed5.75%5.766%

30-year FHA5.75%5.77%

30-year VA5.75%5.767%

30-year jumbo6.25%6.299%

FHA 5/1 ARM5.625%5.617%

Par rate and APR on the sample scenario (AZ). Your actual rate depends on FICO, LTV, occupancy, and county. Price your own scenario below.

The pricing engine

Run your exact scenario.

The same engine our loan worksheets are built from. Fill it out and get the rate, points, and monthly we'd put in front of a client today.

Build your scenario

Fill it out, then hit Search for your wholesale pricing.

Live

Loan Purpose

ZIP Code

Loan Type

Term

Purchase Price

Loan Amount

Credit Score

LTV

80%

Lock

Occupancy

Property Type

DTI (optional)

First-time homebuyerUnlocks FTHB-scoped pricing and (where eligible) HomeReady / HomePossible AMI credits.Working with a Compass or Compass-affiliated agent?Get an extra ~0.4% credit, about $1,600 on a $400k loan, applied straight to your closing costs.

Your rates will appear here

Fill in your scenario above, then hit Search rates to pull live wholesale pricing from our 40+ lender panel.

vs the national average

Same day. Same market. Compare the price.

Mortgage News Daily publishes the national average rate every business day. We publish ours. Here they are side by side, captured August 28, 2026, sources below.

ProductNational avgHomePilotSavings

30-Year Conventional(0.3 pt)6.81%6.375%6.40% APR$126/mo

15-Year Conventional(0.2 pt)6.35%5.75%5.766% APR$143/mo

30-Year FHA(0.3 pt)6.37%5.75%5.77% APR$115/mo

30-Year VA(0.2 pt)6.37%5.75%5.767% APR$121/mo

Another way to read it: at the national average rate of 6.81%, our 30-year pricing would return about $4,739 in lender credits on a $440,000 loan.

National average: the Mortgage News Daily daily rate index for August 28, 2026, whose methodology reflects a top-tier scenario. Our rates: the same live engine quotes shown in today's board above, priced on each product's sample scenario (AZ); any discount-point cost is shown next to the product, and APR includes points and fees. Example savings are principal and interest only, on each product's sample loan amount; not an offer, your scenario prices individually. Rates move daily. If we can't beat an eligible competing offer, our published Best Price Guarantee pays you $500 (terms apply).

Want it name by name? See the full lender comparison wall →

What you won't pay

Zero lender fees. Not a promotion, the model.

Origination

Processing

Underwriting

We're paid through the wholesale channel, not by stacking lender fees on your Loan Estimate. Zero-point rate options on every scenario. Third-party costs (appraisal, title, prepaids) still apply; those go to the people doing that work, not to us.