Compare Mortgage Loan Offers for Free

How can we help you today?

 Privacy Secured  |  Advertising Disclosures

Congratulations! You're ready to buy a home...

Buying a home is one of the biggest purchase decisions you’ll ever make. But getting a mortgage loan doesn’t have to be difficult. That’s why LendingTree helps you find the right home financing with the right mortgage lender. Whether this is your first time applying for a home loan, or you’re buying a vacation home or investment property, you’ll want to be prepared. Already have a home loan? LendingTree can also help you refinance your mortgage to help you save money.

Get up to 5 free mortgage loan offers in minutes. There’s no cost and no obligation. It’s just a great first step to turn your dream home into a reality.

What is a mortgage?

A mortgage is a legal agreement where a lender offers money to a borrower to purchase real estate in exchange for interest. The loan is secured by the real estate, so if the borrower fails to repay (defaults) the lender can foreclose, selling the property to pay off the loan.


of homebuyers stated that price is most important when considering a mortgage

What do I need to know about home financing?

  • How much can I really afford?

    Factor in your income, down payment amount and existing debts to calculate what purchase price and payment makes sense for your budget.

  • The importance of your credit score

    Knowledge is power that nets you negotiating leverage with lenders. Get your free credit score and keep track of it.

  • Get a better interest rate

    Interest rates are always changing. If you’re stuck paying a high interest rate on your loan, you should check your options. You could save a lot every month.

  • Smaller down payment

    You can put as little as 3.5% down. It doesn’t even have to be your own money – the down payment can be a gift or loan.

  • Is an FHA loan right for me?

    If you need to finance more than 80 percent of your home’s purchase price or appraised value, an FHA loan might be right for you.

  • What about VA mortgages?

    If you’re an eligible veteran and need to finance more than 80 percent of your home’s purchase price or appraised value, a VA loan may be a good option for you.

Mortgage Comparison Shopping Report - June 11th

Each week, LendingTree reports how much consumers can save by comparing rates during the loan-shopping process. We describe these savings in two ways to provide the most detailed data possible on mortgage rates. The LendingTree Mortgage Rate Distribution details the range of mortgage interest rates on offer. The Mortgage Rate Competition Index is the median spread between the lowest and highest APRs offered by lenders in our marketplace.

For the week ending June 9, 2019, the share of borrowers with rates under 4.25% was slightly under 54%.


of purchase borrowers received offers of 4.25% or less for 30-year, fixed-rate mortgages, up from 42.3% last week. A year ago, 0.00% of purchase offers were under 4.25%.


is how much you would save over 30 years on a $300,000 loan, when you can get a mortgage APR 0.89 percentage points lower than the competition.


was the most common interest rate across all 30-year, fixed-rate mortgage purchase applications on LendingTree. This rate was offered to 17.4% of borrowers.

  • Across all 30-year, fixed-rate mortgage purchase applications on LendingTree, the index was 0.89, down from 0.94 the previous week.


Read the full report here.

How do I shop for a home loan?

Because current mortgage rates today are constantly changing, the first home loan you’re offered may not be the best one. That’s why it really pays to shop around. So how do you do that? It’s easy! Check current rates, compare personalized loan offers, check out lender reviews and ratings. Or, if you already have an offer, use the Mortgage Negotiator to make sure you’re getting the best deal.

View My Free Offers

Choose the type of home loan that’s right for you

FHA Loans

A Federally insured mortgage loan provided by an FHA-approved lender.

Is this for me?


A loan is not insured by a government agency but follows Fannie Mae guidelines.

Is this for me?

VA Loans

A mortgage loan available to veterans and current military personnel.

Is this for me?

How do I qualify for a loan?

Everyone is different. But it’s easy to find out what your personal home loan and mortgage rate parameters are. Lenders focus on these 5 things:

Credit Score

Household income

Job history

Cash reserves

Down payment amount

Top 10 mistakes first-time buyers make

  1. Not knowing how much house you can afford.
  2. Spending the maximum you can afford.
  3. Letting the real estate agent know how much you love the house. (You lose your upper hand in negotiations this way.)
  4. Not getting preapproved.
  5. Failing to budget for long term repair and maintenance costs.
  6. Failing to budget for property taxes.
  7. Skipping the home inspection.
  8. Not considering the resale value.
  9. Not getting it in writing. If it’s just verbal, it’s not legal.
  10. Choosing the wrong mortgage product for your needs. (30-year fixed isn’t right for everyone. You may be surprised that interest only or ARM might actually be ok for you.)

Recent Articles

What Is a Construction Loan and How Does It Work?

Maybe you’ve found the perfect plot of land, nestled in the mountains with a creek that rolls around the outer edges of the property. After months of research, you have …

Read More »

The 30-year adjustable rate mortgage — often referred to as an ARM — is a popular loan option when interest rates are increasing. These mortgages offer initial periods where the …

Read More »

The VA loan program is a benefit exclusively offered to active duty and veteran members of the military. Once approved, mortgage lenders can provide financing to eligible military service members …

Read More »

How to Dispute A Home Appraisal

Before you can buy a home or refinance a loan, you have to get the home appraised to determine how much it’s truly worth. This is more than just a …

Read More »

What is a Buyer’s Market?

With home prices rising and relatively few homes available on the market, sellers have had control of the real estate world for several years — giving buyers little room to …

Read More »