Find your right mortgage — with a hero on your side.
Rate Heros matches you with lenders for a home purchase, refinance, or home equity loan — in minutes. Compare your options, free and with no obligation.
Home financing made simple
One short form. A network of lenders. Your best-fit options, side by side.
One match. Every kind of home loan.
Whether you're buying, refinancing, or tapping your equity, we'll match you with the right lenders.
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.
Three simple steps to your match
No paperwork to see your options. No impact to your credit score.
Answer a few questions
Tell us a little about your goals and your home — it takes about a minute.
We match you with lenders
Rate Heros checks its network to find the mortgage lenders that fit your needs.
Compare & choose
Review your matched options side by side and move forward only if it's right for you.
Your mortgage, on your terms
We make finding home financing simple, transparent, and pressure-free.
A real lender network
We match you across multiple mortgage lenders — not just one — so you can compare.
No credit impact
Seeing your options uses a soft check that won't affect your credit score.
Free, no obligation
Rate Heros is completely free to use, and you're never obligated to move forward.
Secure & private
Your information is protected with bank-level encryption, every step of the way.
We're not a lender — we're your advocate.
Rate Heros is a free matching service that connects homeowners and buyers with mortgage lenders. We don't make loans or credit decisions. Our only job is to help you find and compare the options you qualify for, so you can make a confident choice.
No pushy sales calls. No hidden fees. Just a simpler way to find the right mortgage.
More about usFind 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