Tools
Get today's rate
Tell us a little about the loan and we'll send back real pricing for your scenario in Delaware or Pennsylvania. No credit pull to get a quote.
Get today's rate
Direct-lender pricing. Mortgage disclosure
What happens next
We review your scenario
Loan amount, property value, occupancy, and credit range decide your pricing tier.
You get a real quote
Rate, estimated payment, and closing costs from a person, not an automated teaser rate.
No obligation
A quote is a quote. Apply when the numbers make sense for you.
Ready to move now? Start the full application and we'll pick up the rate conversation from there.
Why advertised rates rarely match your rate
The rate you see in a banner ad is the best price available to a narrow, ideal borrower: excellent credit, a large down payment, a single-family primary residence, a conforming loan amount, and often discount points paid at closing. Change any one of those and the pricing changes with it. That is why a quote built on your actual scenario is worth more than an hour of comparison shopping against numbers nobody is going to honor.
Requesting a quote here does not require a credit pull and does not start an application. You tell us what you are trying to do, we price it against current market conditions, and you get a real answer you can compare against anyone else.
What actually moves your pricing
Credit profile
Pricing moves in tiers rather than smoothly, so a small score improvement can occasionally cross a threshold and change your rate meaningfully. We will tell you when you are close to one.
Loan-to-value ratio
Down payment on a purchase, or equity on a refinance. Lower loan-to-value generally means better pricing and, past roughly 20 percent equity on a conventional loan, no mortgage insurance.
Occupancy and property type
Primary residences price best. Second homes and investment properties carry add-ons, as do condos and multi-unit properties. Investors should also look at DSCR loans, which qualify on the property's rent rather than your income.
Loan program and term
Conventional, FHA, VA, USDA, and jumbo all price differently, and a 15-year term prices below a 30-year. Compare programs on our conventional, FHA, and VA pages.
Points and lender credits
You can buy the rate down with points or take a higher rate in exchange for a credit toward closing costs. Which one wins depends entirely on how long you keep the loan, so we show both.
How to compare quotes fairly
Compare rate, points, and lender fees together on the same day, since pricing moves daily. Use the Loan Estimate rather than a verbal number, and check that the compared quotes assume the same loan amount, term, and lock period. Then sanity-check the payment on our payment calculator so nothing hides in the escrow line.