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The listings that appear on this page are from companies from which this website and the data provider may receive compensation, which may impact how, where and in what order products appear. Compensation is higher for featured placements. This table does not include all companies or all available products.
We may receive a fee if you click on a lender or submit a form on our website. This fee in no way affects the information or advice we provide. We maintain editorial independence to ensure that the recommendations and insights we provide are objective and unbiased.
The personal loan offers that appear on this site are from companies from which GuideToLenders receives compensation. This compensation may impact how and where products appear on this site including the order in which they appear. GuideToLenders does not include all loan providers or all types of loan offers that are available.
GuideToLenders is not a loan provider but only matches you with lenders that may extend a loan to you. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. There is no guarantee that you will be approved for a loan or that you will qualify for the rates displayed. The offers and rates presented on this website are estimates based on information you submit to us. Your actual rates depend on your credit history, income, loan terms and other factors. Reasonable efforts are made to compile and maintain accurate information. However all loan rates and terms, including APRs, are presented without warranty and are subject to change by the loan providers without notice.
According to federal regulations, a lender must provide a Loan Estimate that outlines estimated mortgage terms including interest rate, closing costs and loan features within three business days of the borrower submitting an application to the lender. The Loan Estimate is a standard document that is the same across all lenders, enabling you to compare multiple mortgage proposals more easily. For the example document below, we show a $380,000 fixed rate mortgage with an interest rate of 4.250% and total lender fees of $1,070.
When reviewing a Loan Estimate, the key items to focus on are Interest Rate (top of page 1), Closing Costs (bottom of page 1 with a detailed breakdown on page 2); and, Annual Percentage Rate (APR) (top of page 3). You should submit mortgage applications to or request Loan Estimates from multiple lenders so that you can compare loan terms to find the mortgage that is right for you. In short, this document enables you to understand all the important information about your mortgage. Lenders cannot charge you for submitting a mortgage application or for providing an Loan Estimate. Please note that this is an example Loan Estimate document that should be used for informational purposes only.
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes or insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.