Mortgage Rates
Refinance Rates
FHA Rates
VA Rates
Jumbo Rates
Adjustable Rate Mortgage Rates
Interest Only Mortgage Rates
Non-Owner Occupied Rates
Home Equity Loan Rates

Free Personalized Mortgage Quotes

    Use our free personalized mortgage quote feature to find the lender and the loan that are right for you. Our easy-to-use form enables you to quickly compare proposals from multiple lenders, taking the hassle out of shopping for a mortgage. Plus, the service is free to use, requires minimal personal information and there is no obligation for borrowers.

    Shopping for a mortgage can be complicated and time-consuming but comparing multiple loan proposals is the best way to save money. A recent study by a leading mortgage industry organization showed that prospective borrowers who contacted two lenders saved less than $1,500 on their mortgage while borrowers who shopped five lenders saved an average of $3,000, or more than double. Simply put, the more lenders you shop, the more money you save. Our mortgage quote feature enables you to review proposals from up to five lenders which helps you find the best loan terms.

    When you compare loan quotes it is key to remember that you are in control. You choose a lender, and not the other way around. In addition to your mortgage rate, closing costs and other loan terms make sure that the lender provides a high level of customer service and support.   Simply fill-out the mortgage quote form below to be connected with leading lenders in your area.  Our personalized mortgage quote form is easy-to-use, won't hurt your credit score and can help you save money on your mortgage.  

Get Free Personalized Mortgage Quotes
  • Compare Offers
  • Save Money
  • No Obligation
First Name:
Last Name:
Phone Number:
Email:
My Mortgage Info
Mortgage Type
Credit Score
Loan Amount
Property Value
City
State
GET FREE Quotes
FREEandCLEAR Thanks You for your InformationThank you for submitting your information!
Mortgage Quote has been SentYour mortgage quote request has been sent to our lending partners and you should receive emails from multiple lenders shortly
FREEandCLEAR proposals, multiple lendersComparing proposals from multiple lenders is the best way to save money on your mortgage!

How to Compare Mortgage Quotes

It is important to understand the key items to focus on when you compare quotes. The most significant loan terms are your mortgage rate and closing costs. A lower rate reduces your monthly payment, while lower closing costs reduce how much money you are required to contribute to close your mortgage. Lenders that offer lower interest rates usually charge higher closing costs and vice versa. You can use our mortgage quote form to find the lender that offers the lowest combination of mortgage rate and closing fees.

In addition to your rate and closing costs several other factors affect your loan terms. Our mortgage quote feature takes all of these inputs into account so that the proposals lenders provide you are as accurate as possible.

  • Loan Amount. The size of your mortgage impacts your monthly payment an potentially your interest rate. Make sure that the quotes you review use the same loan amount.
  • Mortgage Program. Your loan terms can vary significantly depending on your loan program and length. The interest rate for a fixed rate mortgage is different than for an adjustable rate mortgage (ARM) or interest only loan so your lender proposals should be for the same type of loan.
  • Down Payment. How much money you put down can affect your mortgage rate in addition to the mortgage programs you are eligible for. The lenders you review should use the same down payment to prepare their mortgage quotes.
  • Mortgage Purpose. Rates can differ depending on if you are getting a mortgage to buy a home or refinancing. The terms are also different if you are doing a cash-out refinance. Specify your loan purpose to ensure that the proposals you review are comparable.
  • Rate lock period. Lenders usually quote loan terms that are good for a certain period of time, which is called the rate lock period. The lock period can be 15, 30 or 40 days or even longer. Mortgage rates can vary depending on the length of the rate lock period so make sure to confirm how long your terms are good for.
  • Current terms. Mortgage rates can change on a daily or even hourly basis so it is important that lenders provide the most up-to-date loan terms possible. This is especially critical when you are shopping multiple lenders.
1
Provide Your Info

You provide some basic personal and financial info

2
Connect with Lenders

We connect you with up to five FREEandCLEAR approved lenders

3
Select Your Mortgage!

Compare lender proposals and select the mortgage that is right for you

Reasons to Get a Free Mortgage Quote

1

Save Money

Simply put, comparing multiple lenders is the best way to save money on your mortgage.  Most people shop to find the best deal on a car, television or even gas and the same approach applies to mortgages.  Shopping lenders enables you to find the mortgage with the lowest interest rate and closing costs.  According to an independent study by mortgage industry leader Freddie Mac, borrowers that received two mortgage quotes save an average of $1,500 and borrowers that received five proposals saved an average of $3,000.  Plus, saving on your mortgage is not a one-time benefit.  By finding a lower mortgage rate you save money every month which can add up to thousands of dollars over the course of your loan.  

2

Save Time

By enabling you to fill out one simple form to compare up to four lenders, our service enables you to shop for a mortgage quickly and easily.  Instead of filling out multiple forms for different lenders, you provide your information only once and are connected with multiple lenders near you.  Shopping lenders can be a time-consuming process but our form can be completed in under two minutes.  Plus, our form focuses on only the most important information which means it is simpler to use and requires less time to complete.  When you combine the amount of time you save with the amount of money you could potentially save, getting a free mortgage quote makes a lot of sense for borrowers.     

3

Compare Leading Lenders

When you submit a mortgage quote request with FREEandCLEAR we connect you with leading lenders in your area.  These lenders offer competitive mortgage terms and a wide range of mortgage programs to meet your financing needs.  And because lenders know they are competing against other lenders for your mortgage business, they are more likely to offer attractive loan terms.  Additionally, these lenders strive to offer a superior level of customer service to all borrowers.    

4

No Obligation

You have absolutely no obligation to work with a lender that provides you a mortgage proposal.  While our hope is that you find one of the proposals provided by the lenders in our network attractive enough to select, you are not required to work with a lender we connect you with.  You decide the lender and mortgage program that best meets your personal and financial goals and we believe comparing quotes helps you make a more informed decision.  Additionally, because you are not obligated to work with a specific lender, you have more control over the mortgage process.  For example, we encourage you to compare loan proposals and negotiate better terms with lenders.  Providing no obligation mortgage quotes offers you the flexibility to choose the lender that is right for you.  

5

Does Not Cost a Penny

Like all of the resources on FREEandCLEAR, our mortgage quote service is completely free.  There is absolutely no charge to receive quotes.  Offering this service for free enables us to reach more borrowers and help more people save money on their mortgage.

6

Limited Personal Information Required

Our mortgage quote form requires a minimal amount of personal information from prospective borrowers.  We do not require borrowers to submit their date of birth or home address and never request your social security number.  Limiting the amount of personal information we request enhances your privacy and streamlines the quote process.  We value your privacy and personal information and request the least amount of information necessary to complete the form and connect you with lenders.  

7

Does Not Hurt Your Credit Score

Because lenders do not pull your credit report to provide you a proposal, getting a mortgage quote from FREEandCLEAR does not affect your credit score.  This enables you to shop multiple lenders without worrying that your credit score will go down.  

More FREEandCLEAR Mortgage Resources

Mortgage Guides

How to Compare Mortgage Proposals

We provide an informative step-by-step explanation of how to compare mortgage proposals and select the loan program and lender that are right for you.  Learn what information and questions you should ask lenders and how to negotiate the best loan terms.  

Mortgage Calculators

Mortgage Comparison Calculator

Use our Mortgage Comparison Calculator to compare up to three mortgages at the same time.  You can use this calculator to evaluate proposals with different mortgage rates and closing costs.  You can also compare mortgages with different lengths to determine the loan with the lowest monthly payment and total interest expense over the life of the mortgage.  After you receive your mortgage proposals you can use our Mortgage Comparison Calculator to help you select the loan that is right for you.

Programs

Get Pre-Approved

Get pre-approved for your mortgage and benefit from enhanced certainty and speed of closing when you apply for a mortgage.  Getting pre-approved can also give you a significant advantage when you make an offer to purchase a home as sellers typically prefer borrowers that are already pre-approved.  The pre-approval process also acts as a rehearsal for the mortgage process and enables you to identify and address any key issues before formally submitting your loan application. 

Resources

FREEandCLEAR Lender Directory

Use the FREEandCLEAR Lender Directory to search for lenders by state, lender type and loan product.  Our lender directory features over 3,700 lenders of all types including banks, mortgage brokers and credit unions.  The directory includes a wealth of useful information including loan programs offered and the states in which the lender is licensed.  Use our directory to find the lender offering the loan program you are looking for.

Resources

Mortgage Rates

Not quite ready to receive quotes but want to compare mortgage rates? Our rate tables enable you to compare interest rates and closing costs for lenders in your area.  You can customize your comparison based on several factors including loan-to-value (LTV) ratio, loan program, loan term, credit score and property type.  Our rate tables provide updated mortgage information based on your personal criteria.

Sources

Why You Should Shop Mortgages: https://www.consumerfinance.gov/about-us/blog/one-thing-you-can-do-take-control-homebuying-process-and-save-your-new-home-any-housing-market/

Mortgage Quotes Save You Money: http://www.freddiemac.com/research/insight/20180417_consumers_leaving_money.html

About the author

Michael Jensen, Mortgage and Finance Guru

Michael is the co-founder of FREEandCLEAR. Michael possesses extensive knowledge about mortgages and finance and has been writing about mortgages for nearly a decade. His work has been featured in leading national and industry publications. More about Michael

X

Get Free Personalized Mortgage Quotes

First Name:
Last Name:
Phone Number:
Email:

My Mortgage Info

Mortgage Type
Credit Score
Loan Amount
Property Value
City
State
GET FREE Quotes
FREEandCLEAR.comThank you for submitting your information!
FREEandCLEAR.comYour mortgage quote request has been sent to our lending partners and you should receive emails from multiple lenders shortly
FREEandCLEAR.comComparing proposals from multiple lenders is the best way to save money on your mortgage!