• Comparing 1000s of loan permutations...


  • 30 year fixed
    Payment: $1,684/mo
    Fees: $3,625
    LoanDepot
    4.534%
    APR
    3.250%
    RATE
  • 30 year fixed
    Payment: $1,751/mo
    Fees: $2,670
    NASB
    4.986%
    APR
    3.750%
    RATE
  • 30 year fixed
    Payment: $1,519/mo
    Fees: $1,675
    First Financial Services
    4.098%
    APR
    3.990%
    RATE

Select More Lenders to Compete for you!


  • 5 year arm
    Payment: $1,339/mo
    Fees: $3,625
    LoanDepot
    3.141%
    APR
    2.625%
    RATE
  • 7 year arm
    Payment: $1,387/mo
    Fees: $3,625
    LoanDepot
    3.228%
    APR
    3.000%
    RATE
  • 5 year arm
    Payment: $1,403/mo
    Fees: $1,675
    First Financial Services
    3.281%
    APR
    3.125%
    RATE
  • 5 year arm
    Payment: $1,684/mo
    Fees: $2,670
    NASB
    4.536%
    APR
    3.250%
    RATE
  • 7 year arm
    Payment: $1,436/mo
    Fees: $1,675
    First Financial Services
    3.408%
    APR
    3.375%
    RATE
  • 7 year arm
    Payment: $1,470/mo
    Fees: $3,275
    Quicken Loans
    3.625%
    APR
    3.625%
    RATE
  • 30 year fixed
    Payment: $1,521/mo
    Fees: $3,625
    LoanDepot
    4.132%
    APR
    4.000%
    RATE
  • 30 year fixed
    Payment: $1,803/mo
    Fees: $2,275
    Quicken Loans
    5.445%
    APR
    4.125%
    RATE
  • 30 year fixed
    Payment: $1,573/mo
    Fees: $3,275
    Quicken Loans
    4.567%
    APR
    4.375%
    RATE
  • 20 year fixed
    Payment: $1,782/mo
    Fees: $3,625
    LoanDepot
    3.781%
    APR
    3.625%
    RATE
  • 20 year fixed
    Payment: $1,845/mo
    Fees: $3,275
    Quicken Loans
    4.329%
    APR
    4.125%
    RATE
  • 15 year fixed
    Payment: $2,095/mo
    Fees: $3,625
    LoanDepot
    3.674%
    APR
    2.750%
    RATE
  • 15 year fixed
    Payment: $2,032/mo
    Fees: $3,625
    LoanDepot
    3.180%
    APR
    3.000%
    RATE
  • 15 year fixed
    Payment: $2,032/mo
    Fees: $1,675
    First Financial Services
    3.204%
    APR
    3.000%
    RATE
  • 15 year fixed
    Payment: $2,153/mo
    Fees: $2,670
    NASB
    4.210%
    APR
    3.250%
    RATE
  • 15 year fixed
    Payment: $2,091/mo
    Fees: $3,275
    Quicken Loans
    3.776%
    APR
    3.500%
    RATE
  • 15 year fixed
    Payment: $2,182/mo
    Fees: $2,275
    Quicken Loans
    4.592%
    APR
    3.500%
    RATE
  • 10 year fixed
    Payment: $2,679/mo
    Fees: $3,625
    LoanDepot
    3.127%
    APR
    2.875%
    RATE
  • 10 year fixed
    Payment: $2,734/mo
    Fees: $3,275
    Quicken Loans
    3.783%
    APR
    3.375%
    RATE

17 Comments

Recent Best
1500 characters remaining
  • 35x35
    Sep, 2012
    Natalia
    Cars and houses are quite expensive and not everybody is able to buy it. However, loans are created to support different people in such kind of situations.
    1 Votes

  • 35x35
    Jan, 2012
    Mark
    Are mortgage rates on HARP loans higher than on conventional loans? What about the fees? Thanks!
    0 Votes

    • 35x35
      Jan, 2012
      Bill
      Mortgage rates and fees for HARP loans, will be similar to rates on other conventional loans. However, due to the fact that HARP loans are offered by fewer lenders, you can expect a premium on the price. Many people are restricted to going to their original lender/servicer, due to a high DTI. If that is the case the room for negotiating is low. I recommend that you shop around for the best rate. The automated underwriting systems for new lenders will be available in March 2012.
      0 Votes

  • 35x35
    Nov, 2011
    kelly
    I went through a divorce in 2005 and found out that my name was not on anything we were paying on. So even though we owned 2 homes and paid on time always, my FICO credit score right now is 530. I know this is really bad. I am in the position now to be able to put at least $20,000 down on a home listed at $87900. Do you think anyone will give me a loan with this awful credit score. I do have a steady income and very low bills. No credit cards or other debt. only utilities and rent right now. Even with my down payment is it going to be implossible to find someone to approve me for a mortgage loan?
    0 Votes

    • 35x35
      Nov, 2011
      Bill
      I doubt you will qualify for a reasonable loan when you have, essentially, no credit history. Focus your energy on building your credit history.
      1 Votes

  • 35x35
    Aug, 2011
    Fonda
    I became disabled in 2008 and lost income of about $85,000 a year so my husband & I exhausted all of our savings and filed bankruptcy. We kept our home and our cars out of the bankruptcy. The administrator of his 401-K is Merrill Lynch. We tried for a hardship withdrawal of $11,000, which was 2 months house payments, 2 years R/E taxes on our home, 2 years personal property taxes, State Income Taxes from last year, A new Heating & Cooling System because ours was hit by lightning on July 8, and the only thing they approved was the 2 house payments. Why is it so hard to get your own money? My husband's plan only offers 1 loan at a time and we have that already, and I know of some administrators that offer 2 loans. Why doesn't everyone have the same rules? It's our money. How else can I get this money from my 401-K? Am I missing something. Can someone go directly to the IRS and be approved over the administrator or even Congress? I need help in a bad way.
    1 Votes

    • 35x35
      Aug, 2011
      Bill
      I do not have a solution, but I do have an explanation. When Congress wrote the 401(k) law, it presented its rules as guidelines or boundaries that employers were free to interpret tightly. For example, some employers choose to not allow loans against an employee's current balance, or allow any hardship distributions under any circumstances. I realize this is not helpful, but it explains the discrepancy between plans you noticed.
      0 Votes

  • 35x35
    Dec, 2010
    Carl
    Why are the closing costs the same across the board?
    0 Votes

    • 35x35
      Dec, 2010
      John
      Could be rates from the same lender?
      2 Votes

  • 35x35
    Dec, 2010
    Ron
    Mortgage rates are going past 5%. Bill, do you think rates will go back down to 4% in the foreseeable future?
    0 Votes

    • 35x35
      Dec, 2010
      Vincent
      Rates are bound to increase sometime and rates now are already at historical lows. When you look at 04 and 05, mortgage rates were at 6-7%. I would refinance now if you still can.
      1 Votes

  • 35x35
    Dec, 2010
    Mike
    What causes interest rates to vary? I don't mean why do some people qualify for a lower rate than others. What caused rates 10 years to be so much higher than they are today?
    0 Votes

    • 35x35
      Dec, 2010
      Ah, macro-economics. There are probably a dozen ways to explain why interest rates are so low today, and a dozen factors that go into the market settling on the rates we see. I have one simple explanation I use to understand interest rates, and I encourage readers to share their own.

      I look at mortgage interest rates as a function and outcome of supply and demand. As I write these words in late 2010, the world's industries and consumers are in a recession, and there is little demand for money. Consumers are hesitant to borrow, and businesses large and small are not borrowing a large amount of money to build their businesses. Investors must compete to gain the attention of people willing to borrow. As a result, borrowers can demand ever-lower interest rates.

      Contrast this with boom times. When captains of industry are optimistic and are investing in factories and equipment, and consumers are fully employed and see their paychecks growing in size, both industry and consumers borrow money. In that situation, lenders can demand ever higher interest rates because if one potential borrower doesn't take the loan, the next one will.

      Of course, there are other forces at work. Nations manipulate interest rates and the value of their currency. Governments overspend, print more money and drive up inflation. Investors react to the events of the day. The US Federal Reserve can manipulate the interest rate by buying U.S. government debt. And so on.
      3 Votes

    • 35x35
      Dec, 2010
      Sylvia
      An adequate but incomplete explanation. There is a great deal of debate whether national monetary policy has much of an effect on interest rates. Employment rate usually inversely correlates with interest rates, which suggests there may be causation.
      1 Votes

    • 35x35
      Dec, 2010
      Mike
      Where will mortgage interest rates be in six months?
      0 Votes

    • 35x35
      Dec, 2010
      Sylvia
      Depends on the speed of the economic recovery and the employment picture. There is also an unprecedented number of foreclosures that have yet to work their way through the courts and private foreclosure systems, and the longer it takes to reach the bottom in housing prices the longer it will take for the new-housing industry, a significant employment engine, to recover.
      0 Votes

    • 35x35
      Dec, 2010
      Jeremy
      Mortgage rates in the past 2 days have increased by close to 20 basis points. It's widely expected that mortgage rates will at some point increase from the 3-4% that we're at now. People who are still in the market for a refinance should monitor rates closely.
      5 Votes

These 3 lenders will compete for you


    Thanks!


    Thank you for your submission!