The key to finding a successful mortgage loan is knowing what your overall financial picture looks like to lenders and what current rates look like. There are a lot of free tools out there that can help you find the lowest mortgage rates. is one such option.

Without creating a hard inquiry on your credit,’s free loan comparison tool lets you know the current rates and terms available to someone in your situation. While isn’t a direct lender, it’s a resource that can help you monitor your options at any given time. Let’s find out how it works.

Pros and Cons of



What Does Offer?

Whether you’re considering buying a home or the time has come to refinance your existing mortgage, is a free service that can help make light of where you stand in the marketplace. Taking out a mortgage loan or refinancing your home can be a stressful endeavor, but allows you to easily find mortgage rates for your financial situation.

Using a free loan matching tool on the website gives you instant access to compatible lenders. Without using a hard pull on your credit, functions as a bridge between you and mortgage lenders. As a result, you can get a good idea of the available rates and terms based on your background and credit score. But there’s no commitment to proceed with an application.

By allowing to analyze your mortgage lending picture, you can put yourself ahead of the pack before you go into any sort of negotiation. So it’s a fast and easy-to-use option for finding the best rates whether you’re interested in a first home loan or a mortgage refinance loan.

What To Expect on the Site’s website makes it easy to start finding out what current mortgage or mortgage refinancing rates look like for you. In fact, the first thing you’ll see on its site is the option to begin searching for compatible new home loans or mortgage refinancing rates. Before you press the button, you’ll want to have a bit of information on hand for each of the two options:

New Home Purchase

Mortgage Refinancing

Once you’ve entered all the required information, it only takes a few seconds for to find the best rates available from both its partners and around the internet. You’ll then be taken to a screen that displays your options, compatible lenders, and the rates and terms that apply to your financial picture. You’ll also be able to adjust your term to find the most affordable payment.

It’s up to you to contact the mortgage lenders directly to begin any loan process, but makes it easy. You’ll be provided with the lender’s information and the kind of rates you can expect from them.


Since isn’t a direct lender, there’s no charge to use its loan matching feature. You’ll never pay anything to use the service, and your credit won’t be affected by finding out which lenders have the best rates for you.

Should you decide to proceed with a mortgage loan or a mortgage refinancing application, you’ll be taken directly to the lender’s site. At, your results will be determined based on your best estimates about your home’s value or your credit history, so rates may slightly change when you apply.

The Bottom Line

No matter where you are on your mortgage journey, getting a good idea of available rates can seem overwhelming. So before applying, it can be helpful to get a sense of your options. With, you’ll never pay anything to find out how the mortgage marketplace looks for your financial situation. Given that it can be a useful tool, is worth checking out when you look for top mortgage lenders and mortgage refinance lenders.