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Access The Best Mortgage Rates from 200+ Lenders
The New Way to get a Mortgage
Step 1: Apply Online
Apply right here online in just 87 seconds. Access true wholesale mortgage rates.
Step 2: Review Your Offers
My proprietary AI system will match you with the best mortgage from over 200 wholesale lenders
Step 3: Approved!
Let’s get your loan funded! It’s just that easy.
It’s Time to Get a Better Rate With Lower Fees on Your Mortgage
7 Reasons Why You Should Use Me For Your Mortgage
Access to Wholesale Below Market Rates and Fees
Get Approved in 87 Seconds
Hassle-Free Online Service
100% Transparent
Find The Right Mortgage For You In Half The Time
Expert Guideance
Get The Best Rate Possible, Guaranteed
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 my easy application process in about 87 seconds.
Step 2
Secure Your New Mortgage Online
Once you submit your application, I’ll shop it out to our private network of 200+ wholesale lenders who compete for your business.
Step 3
Start Saving
I’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
Why Smart People Like You Are Ditching the Banks and Getting Their Mortgage With Me
Best Rates From 200+ Wholesale Lenders
Think you bank will give you the best deal because you’ve been with them for years? Unfortunately, that’s not the case at all.
We work hard and relentlessly negotiate with our private network of 200+ lenders to get you the best possible deal.
Fast & Seemless Application
Our application process takes just an average of 87 seconds. No filling out endless forms or waiting to speak with anyone. We are 100% online.
Approvals in Just 87 Seconds
You won’t be waiting for days or even hours. Our online approvals are incredibly fast!
100% Online
Everything we do is done digitally. You’ll never have to visit an office or even leave your home!
25+ Years of Experience
Mortgage-Rates.com isn’t just a website with no real people to speak to! We have a team of professionals who have over 25 years of experience in the industry. We take your business so incredibly seriously, and we work hard to give you a great experience. We won’t rest until you’ve got the best deal and the lowest rate possible.
Access to Wholesale Below Market Rates
Instantly compare offers from 200+ lenders
90% faster than traditional banks
In The Press
Karl Freund Gives You Power Back With Industry Disrupting AI Tech
March 3rd, 2025
Karl Freund created a proprietary AI mortgage rate matching system 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.
I 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 my private wholesale network of 200+ lenders.
With me 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
March Limited Time Special Offer
Apply Now And Get $500 Towards Your First Payment!
Cut Your Mortgage Rate & Discover How Much You Can Save...
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Access The Best Mortgage Rates from 200+ Lenders
- Access The Lowest "Wholesale" Rates From 200+ Lenders
- Fast Approvals in Just 87 Seconds
- Hassle-Free Options for Purchase and Refinances
- 100% Free Service For You To Use!
- 90% Faster Than Traditional Lenders
- Expert Guidance & Unmatched Options
Let Me Find The Right Mortgage For You & Get $500 Towards Your First 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.
Access The Best Mortgage Rates from 200+ Lenders
The Best Rate in the United States or I'll 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 Me The Most
I’m a mortgage broker serving you, and not the banks. I use my proprietary AI model to automate the application process and match you with the lender with the lowest rates and fees.
Yes! I have programs that can help people with credit scores as low as 480.
Absolutely! I 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! My clients save an average of $71,678 in interest payments over the life of a 30 year loan on a $500,000 30-Year Fixed FHA at Rocket Mortgage.