🏠 New Purchase & Refinance Rates

Compare Mortgage Rates and Save Thousands on Your Home Loan

Whether you're buying a home or refinancing, comparing rates from multiple lenders is the single best way to save. Free, no obligation.

Check Today's Rates →
$47,000
Avg. Lifetime Savings
20+
Lenders Competing
2 min
To Check Rates
✓ Purchase & Refi✓ FHA, VA, Conventional✓ No Obligation✓ 100% Free

How MortgageRateVault Works

Find your best mortgage rate in three steps.

1

Tell Us Your Goals

Buying or refinancing? Home value, loan amount, and credit estimate. Takes 2 minutes.

2

Lenders Compete

Multiple lenders see your profile and compete to offer their best rate — you benefit from the competition.

3

You Choose

A loan specialist may contact you with personalized options. Pick the best rate or walk away — zero pressure.

Check Today's Mortgage Rates

No commitment. No obligation. Free.

🏠 Loan specialists may respond within 1-2 business days

Loan Type

Step 1 of 3
By checking this box, I provide my express written consent for WEP Sales Consulting LLC dba LeadHouse and its network of mortgage lending partners to contact me at the phone number and email provided regarding mortgage and home loan options, including via autodialed calls, prerecorded messages, text messages, emails, and direct mail, even if my number is on a Do-Not-Call list. Consent is not required to obtain a loan. I agree to the Privacy Policy and Terms of Use. This is not a mortgage application.

Why Compare Mortgage Rates?

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$47,000 Average Lifetime Savings

A 0.5% rate difference on a $300,000 mortgage saves you $47,000+ over 30 years. Comparing rates is the highest-ROI 2 minutes you'll ever spend.

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Banks, Credit Unions & Online Lenders

Don't just go to your bank. Different lenders offer dramatically different rates. We compare them all so you see the full picture.

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All Loan Types

Conventional, FHA, VA, USDA, jumbo — whatever fits your situation. We match you with lenders that specialize in your loan type.

⚡

Refi & Save Today

If your current rate is higher than today's rates, refinancing could save you hundreds per month. Check in 2 minutes — it costs nothing.

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100% Free

Lenders pay us, not you. There's never a fee to compare mortgage rates through MortgageRateVault.

What Homeowners Say

★★★★★

"Refinanced from 7.2% to 5.8%. Payment dropped $340/month. Over the life of the loan that's over $120,000 saved. Took 5 minutes to check."

Steve & Maria L.
$380K mortgage · St. Charles, MO
Saved $340/month
★★★★★

"First-time buyer. My bank offered 6.9%. Used MortgageRateVault and found a credit union at 6.1%. Saved $200/month on a 30-year fixed."

Tasha K.
$275K purchase · Wentzville, MO
Saved $72,000 over loan
★★★★★

"VA loan. Didn't know I had so many options beyond my bank. The lender I found offered 0 down, no PMI, and a rate 0.7% lower."

Sgt. Chris D.
VA Loan · Fort Leonard Wood, MO
Saved $0 down + lower rate

Frequently Asked Questions

How much can I save by comparing? ▼
On a $300,000 mortgage, a 0.5% rate difference saves you $47,000+ over 30 years and roughly $90/month. Even a 0.25% difference saves over $20,000. That's why comparing multiple lenders matters so much.
Should I refinance right now? ▼
Generally, refinancing makes sense if you can lower your rate by 0.5% or more, plan to stay in your home for at least 2-3 more years, and the closing costs will be recouped through monthly savings. Checking your rate takes 2 minutes and costs nothing.
What credit score do I need? ▼
Conventional loans typically require 620+. FHA loans can go as low as 580 (or 500 with 10% down). VA loans have no minimum score set by the VA, though lenders typically want 620+. We have lending partners for all credit ranges.
Is this a mortgage application? ▼
No. MortgageRateVault is a free comparison service. Submitting our form is not a mortgage application and does not commit you to anything. If you want to proceed with a lender, you'll complete their application separately.
What types of loans do you cover? ▼
We cover all major loan types: Conventional, FHA, VA, USDA, Jumbo, Home Equity, and HELOC. Both purchase and refinance. Our lending partners cover the full spectrum.
Is MortgageRateVault a lender? ▼
No. MortgageRateVault is a free comparison service operated by WEP Sales Consulting LLC dba LeadHouse. We are not a mortgage lender, bank, or financial institution. We connect consumers with lending partners who may provide loan offers.

A 2-Minute Rate Check Could Save You $47,000

Compare mortgage rates from top lenders. Free, no obligation.

Check My Rates →
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Your Rate Check Is In!

We're matching you with mortgage lenders. A loan specialist may contact you within 1-2 business days with personalized options. No obligation to proceed.