Get matched in about 60 seconds
No paperwork, no hard credit pull, and no obligation — whether you're buying, refinancing, or tapping your equity. Here's exactly what happens.
Tell us about your goals
Share a few basics — what you're looking to do (buy, refinance, or access equity) and a little about your home or budget.
We match you with lenders
We instantly check our network of mortgage lenders to find the ones whose programs fit your profile.
Compare and choose
Review your matched options side by side. If one feels right, you continue with that lender — entirely your call.
Loan types we cover
From a first home to tapping the equity in your current one — Rate Heros matches you across the full range.
Buy a home
Get matched with lenders for your purchase mortgage and lock in a competitive rate.
Refinance
Lower your rate or monthly payment by refinancing your existing mortgage.
Cash-out refinance
Tap your home's equity by refinancing into a larger loan and taking the difference in cash.
Home equity & HELOC
Borrow against your equity with a home equity loan or line of credit — without touching your first mortgage.
What you'll need
Just a few details — no documents required to see your options.
Your home or budget
An estimate of your home's value (or your target price if you're buying).
Your goal
Whether you want to buy, refinance, take cash out, or open a home equity line.
About a minute
That's all it takes to answer the questions and see your matched options.
Find your right mortgage today.
Get matched with lenders in about 60 seconds. Free, no obligation, and it won't touch your credit score.
Get Matched