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Vetted lenders competing for your loan
No obligation, no credit impact
Answer 7 quick questions. We match your profile with lenders competing for your loan. Checking options does not affect your credit score.
Most homeowners accept the first mortgage quote they are given — and overpay for decades because of it. Two lenders looking at the exact same borrower on the exact same day can quote rates that differ by half a percent or more, because each one prices risk, servicing and overhead differently. On a typical loan, that gap is tens of thousands of dollars.
Get Better Rates exists to remove the guesswork. Instead of filling out a dozen separate applications, you answer one short set of questions about your property, your goals and your credit range. We use those answers to match you with licensed lending partners who want loans like yours, then they compete for your business. You stay in control the entire time, and you are never obligated to accept anything.
Whether you want to lower your rate, shorten your term, pull cash out of your equity, or buy a new home, the process is the same: tell us what you need, see what the market will actually offer you, and decide with real numbers in front of you.
Takes about 60 seconds. No credit pull, no documents, no phone call required to get started.
Your answers are matched against lending partners who actively compete for loans like yours in your state.
Review your options, ask questions and move forward only if a number makes sense for you.
The right program matters as much as the rate. Here are the options our lending partners most often quote.
Replace your current mortgage with a lower rate or a shorter term. The most common way homeowners cut their monthly payment or pay the loan off years sooner.
Tap your home equity for debt consolidation, renovations or major expenses while keeping one single mortgage payment.
Get pre-qualified before you shop so sellers take your offer seriously and you know your true budget.
For veterans, active duty and eligible spouses: no down payment, no PMI, and typically lower rates than conventional financing.
Lower credit and down payment requirements, making homeownership reachable for first-time and credit-rebuilding buyers.
Financing for rentals, vacation properties and multi-family units, including DSCR options for investors.
The single biggest lever. Moving from the 660s into the 740s can be worth a quarter to a half point in rate on the same loan.
The more equity you hold, the less risk the lender takes. Staying at or below 80% loan-to-value avoids mortgage insurance on conventional loans.
A primary single-family residence prices best. Condos, multi-family units, second homes and rentals each carry pricing adjustments.
Shorter terms and adjustable-rate products typically carry lower rates than a 30-year fixed, at the cost of a higher payment or future rate changes.
You can buy the rate down with discount points, or take a slightly higher rate in exchange for lender credits toward closing costs. Compare total cost, not just the rate.
Rates move daily with the bond market. A shorter lock is cheaper, but only works if your closing timeline is realistic.
Lenders price loans differently based on credit score, loan-to-value, property type, occupancy and loan program. The only reliable way to get a better rate is to compare several lenders on the same day for the same loan. Our short questionnaire collects the details lenders need so you can see competing offers side by side instead of taking the first quote you are given.
No. Answering the questions and seeing your options does not pull your credit. A hard inquiry only happens later, if you choose to move forward with a lender and formally apply. Even then, mortgage inquiries made within a 45-day shopping window are typically counted as a single inquiry by scoring models.
On a $350,000 loan, cutting your rate by 1% saves roughly $200–$240 per month, or more than $70,000 over a 30-year term. The savings depend on your remaining balance, how long you plan to stay in the home, and closing costs. A good rule of thumb is to compare your break-even point (closing costs divided by monthly savings) against how long you intend to keep the property.
Conventional loans generally start around 620, FHA loans can go lower with a larger down payment, and VA loans have no set minimum but most lenders look for 580–620. Scores of 740 and above usually unlock the best pricing. If your score is lower, you can still get quotes — some of our lending partners specialize in credit-challenged borrowers.
No. Comparing rate options is free and you are never obligated to accept an offer or work with any lender we introduce you to.
Most people are contacted the same business day. You can ask for a specific call window, and everything can be handled by email if you prefer.
To get a quote, nothing. To close a loan, lenders typically ask for two recent pay stubs, two years of W-2s or tax returns, two months of bank statements, a photo ID, and your homeowners insurance declaration page. Self-employed borrowers may need profit-and-loss statements.
Usually yes. Most cash-out refinances allow you to borrow up to 80% of your home's value, and VA cash-out programs can go higher. Homeowners commonly use the funds for debt consolidation, home improvements, tuition or investment property down payments.
Your details are transmitted over an encrypted connection and shared only with licensed lending partners able to quote your loan. We do not publish or publicly list your information, and you can ask us to delete your request at any time.