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Mortgages

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Purchase, refinance, HELOC, and home equity options — with rate comparisons, lender reviews, and tools built for buyers.

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Editorial snapshot
  • Coastline Mortgage6.42% (30-yr fixed)
  • Summit Home Loans6.18% (30-yr refi)
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Mortgage RatesBest LendersRefinanceHELOCHome EquityVA LoansFHA LoansFirst-time Buyer
Top picks

Compare top providers

Editorial picks updated regularly. Compensation may affect placement.

CM

Coastline Mortgage

4.8
Best for first-time buyers
APR / Rate
6.42% (30-yr fixed)
Fees
Avg. 0.7% lender fees
Min. credit
620+
Amount
Up to $1.5M
Show details
  • FHA, VA, conventional
  • Digital pre-approval in minutes
  • Dedicated loan officer
Pros
  • Strong digital experience
  • Wide loan menu
Cons
  • Higher fees in some states

On Finance Choices' partner site. Rates, fees, and terms subject to change. Prequalification does not guarantee approval.

SH

Summit Home Loans

4.6
Best for refinancing
APR / Rate
6.18% (30-yr refi)
Fees
Lender credits available
Min. credit
640+
Show details
  • Cash-out refi
  • Rate-lock guarantee
  • No application fees
Pros
  • Competitive refi rates
  • Lender credit options
Cons
  • Limited in-person service

On Finance Choices' partner site. Rates, fees, and terms subject to change. Prequalification does not guarantee approval.

Tools

Run the numbers

Mortgage calculator

Principal, interest, taxes, and insurance.

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Home affordability

How much house can you afford?

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Refinance calculator

Estimate break-even on a refi.

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FAQ

Frequently asked questions

What's a good mortgage rate?

Rates vary by credit profile, loan type, and market conditions. Compare quotes from multiple lenders to find your best rate.

What is APR vs. interest rate?

APR includes lender fees in addition to the interest rate, providing a fuller picture of borrowing cost.

Should I refinance?

Compare your current rate to today's rates, factor closing costs, and calculate your break-even point.

Methodology

How we evaluate

Finance Choices ratings reflect fees, rates, eligibility, transparency, customer experience, and product fit. Compensation from partners may affect placement, but does not influence our editorial ratings.

Read full methodology →
Mortgage services are subject to applicable NMLS licensing requirements. Rates and terms vary by lender and borrower profile. This is not a commitment to lend.
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