See today's mortgage rate for your scenario in under a minute.
Real pricing from our lender network for your credit, down payment and property, not a national average. Pick one loan program, enter the basics, and we show your rate with its APR and payment, then email it to you.
Priced the way a loan officer prices it, in seconds.
Your scenario, not an average
Credit score, down payment, property type, occupancy and location all move a mortgage rate. Market indices ignore them; this quote uses every one of them.
Shopped across our lenders
Mana Home Loans is a mortgage lender and broker. Your scenario is priced across our lender network and the best rate is shown, with its APR and monthly principal and interest.
Reviewed by a person
Your quote lands in your inbox and with a licensed loan officer, who checks whether a different structure would serve you better before you apply.
About these quotes
Do I have to pay points to get this rate?
No. The rate shown is available without paying discount points at closing. Paying points can buy a lower rate, and taking a slightly higher rate can earn a lender credit toward closing costs; your loan officer can show you both.
What is a lender-paid temporary buydown?
A temporary buydown lowers your interest rate and payment for the first one to three years, after which the loan returns to its note rate. With a 2/1 buydown, for example, the rate is 2% lower in year one and 1% lower in year two. Lender-paid means the lender funds that subsidy and prices it into the rate, so it is not a cost you bring to closing. It is available on conventional purchase and rate-and-term refinance loans.
Why do you ask for my details before showing rates?
Every rate we show is also emailed to you with the assumptions behind it, and a licensed loan officer reviews it in case something can be improved. We never sell your information, and you can ask us to stop contacting you at any time.
Is this a rate lock, a pre-approval or a loan estimate?
No. It is today's pricing for the scenario you entered, so you know where you stand before we talk. A rate is locked only when you apply and choose to lock it, and an official Loan Estimate follows your application.
Why is the APR higher than the interest rate?
The annual percentage rate folds certain lender costs into the rate so loans can be compared on a like-for-like basis. It is required by federal law and is always shown beside the rate here.
What if you don't price loans online in my state yet?
Enter your details anyway. Instead of a table you will see a confirmation, and someone from Mana Home Loans will contact you shortly to talk through your options.
How current are these rates?
Each quote is priced when you ask for it, against our lenders' current pricing, and stamped with the time. Mortgage pricing moves during the day, so a quote from this morning can differ by the afternoon.
Lender
Rates, APRs and payments shown are estimates for the scenario entered, are subject to credit approval, appraisal and lender requirements, and can change without notice. Payments are principal and interest only unless noted; taxes, insurance and any mortgage insurance are extra. Not a commitment to lend and not a Loan Estimate. Mana Home Loans LLC, NMLS #2701164, 5570 FM 423, Suite 250, Frisco, TX 75036.