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This is a low loan amount. Loan amounts less than $50,000 typically receive fewer quotes.
This amount is very low. The more you put down the better your rates will be.
Current mortgage balance
Your current balance is the total amount you owe on your mortgage. It is the difference between the original amount borrowed and the money you have paid toward the principal so far. If in addition to your 1st mortgage, you have a 2nd mortgage (or a home equity line of credit) include the combined outstanding balance from your 1st and 2nd mortgage. Contact your lender to find out your exact outstanding balance.
Low equity: Less than 20%
Special low equity programs
If you are applying with a co-borrower, the credit score should be the lowest credit score between the two borrowers.
Your credit score looks low. A higher credit score will help you get more quotes with better rates.
Include all of your annual income before taxes, including:
Annual base salary (before taxes and expenses are deducted)
Any recurring commissions, bonuses, overtime, and tips that you expect to continue
Rental income, stock dividends, investment income, etc.
Any alimony/child support payments you receive
Note: If you are applying with a co-borrower, include both your and your co-borrower's annual income
Minimum credit card payments
Alimony/child support payments
Any house payments (rent or mortgage) other than the new mortgage you are seeking
Rental property maintenance
Other personal loans with periodic payments
Note: If you are applying with a co-borrower, include both your and your co-borrower's monthly debts.
Do NOT include:
Credit card balances that you pay off in full each month
Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
The new mortgage you are seeking
Lenders offer different rates for mortgages depending on how the property will be used. For example, a loan for a rental property is more expensive than a loan for a primary residence because lenders believe investors are more likely to stop paying their mortgage and walk away from a rental property than they are from their own home.
Enter the amount of additional cash you would like to take out.
Cash-out refinancing means you refinance your mortgage for more than is currently owed, then you use the difference to pay for things such as home improvements, buying a car, paying for school, and vacations, just to name a few.
Are you or your co-borrower a first time buyer?
Lenders sometimes offer special loan programs to first-time homebuyers.
Are you or your co-borrower eligible for VA loans?
Have you or your co-borrower used your eligibility before?
Eligibility is reusable depending on your circumstances but may affect your fees. To learn more about eligibility, see theVA FAQ page.
Do you or your co-borrower have any VA related disabilities?
Having service-related disabilities may exempt you from having to pay a VA funding fee.
Type of veteran
Funding fees can vary based on your type of service and down payment.
Have you or your co-borrower declared bankruptcy in the last 7 years?
Bankruptcy is the legal process in which a person declares their inability to pay off their debts. Bankruptcy does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
Have you or your co-borrower been foreclosed on in the last 7 years?
Foreclosure is a legal process by which a bank or lender sells or repossesses a mortgaged property because the borrower could not pay the loan.
Foreclosure does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
Are you or your co-borrower self-employed?
Loans for self-employed borrowers typically require more documentation for items like your income and assets. Notice that by selecting self-employed we also ask for your assets.
While you don't need to tally up every asset you own, include your largest assets. Lenders typically look at both your liquid assets and non-liquid assets. Liquid assets are things you could access quickly such as checking, savings or stock accounts. Non-liquid assets are things you own but which you probably cannot sell immediately like real estate assets.
To calculate the value of your real estate assets,use the fair market value minus your remaining mortgage balance to get the equity total. (e.g., $250,000 fair market value minus a mortgage balance of $100,000 = $150,000 in equity)
Note: If you are applying with a co-borrower, include both your and your co-borrower's assets.
Points are fees you are willing to pay to get a lower interest rate. The number of points refers to the percentage of the loan amount that you would pay. For example, "1 point" means a charge of 1% of the loan amount.
You may not see many loan options because the loan amount requested is close to the full value of the property. This is called a high loan-to-value ratio. Consider a larger down payment to decrease your LTV ratio.
Note: A lender may offer a credit to reduce your out of pocket cost. You may be able to use this credit to pay fees associated with your mortgage transaction.
Closing costs, also known as settlement costs, are the costs incurred when obtaining your loan. For new purchases, these costs also include ownership transfer of any collateral property from the seller to you. Costs may include and are not limited to: attorney's fees, preparation and title search fees, discount points, appraisal fees, title insurance, and credit report charges. They are typically about 3% of your loan amount, and they are often paid at or just before your loan closes.
Funds often needed to close a loan, such as homeowners insurance, property taxes, and escrow impound account funds, aren't included in closing costs and are considered separate. You should be prepared to pay these costs before your loan closes.
Total Loan Amount
The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront FHA mortgage insurance premium that is included in the total loan amount.
The amount of money being borrowed, calculated by subtracting the down payment from the purchase price (e.g. Purchase price = $300,000; Down payment = $100,000; Loan amount = $200,000), and adding the upfront VA funding fee that is included in the total loan amount.
The third party services fees are settlement charges that are not paid to the lender. These fees are paid to external service companies for things such as:
These fees are estimates and can vary depending on the company. Typically lenders will recommend providers for you but you can shop around to save money. Follow up with the lender to get a full list of closing costs.
Est. Mortgage Insurance
If you put down 20% or more when you took out your current mortgage, you may not be subject to mortgage insurance if you refi through the HARP program. Ask your lender for more details about your situation.
True Cost is our recommended way to begin comparing quotes. True Cost allows you to:
compare quotes apples-to-apples by incorporating Rate, Fees, Loan Program, and Points into one number
view the interest and fees due over different periods of time by adjusting the time-in-home dropdown
find the least expensive loan for your expected timeframe
The interest rate is the yearly rate charged by a lender to a borrower in order for the borrower to obtain a loan. This is usually expressed as a percentage of the total amount loaned. Note that rates may increase for adjustable rate mortgages.
Annual percentage rate (APR) is the cost of credit expressed as a yearly rate. The APR includes the interest rate, points, lender fees, and certain other financing charges the borrower is required to pay. Using APR to compare quotes is helpful because it takes into account both the interest rate and financing fees. The APR is calculated by Zillow.
Zillow confirms lenders’ NLMS status and that they are licensed to originate mortgage business in the state(s) they are quoting in before they are allowed to participate in the marketplace.
Zillow's Quality Assurance (QA) team "mystery shops" lenders to ensure they are honoring their quotes. Also, users can flag quotes for Zillow's QA team to investigate and review their experiences with lenders.
Your contact request will only go to the lender you select. We will never sell your email or phone number to any 3rd party or send you nasty spam.
Mortgages don't have to be difficult
Zillow makes it easier to buy a home by allowing you to shop for customized mortgage quotes without providing any personal information. Fill out the short form at the top of the page to get today's loan quotes quickly and anonymously. Then, compare offers by mortgage interest rate, APR, fees, monthly payment, and more without the hassle of unwanted phone calls or emails.
Zillow-trusted lenders undergo a rigorous background check, and are frequently rated and reviewed by borrowers so you can find the right fit for you. Plus, Zillow's Quality Assurance team regularly checks quotes and mystery shops lenders to ensure your positive experience.
Zillow offers a transparent mortgage marketplace so lenders must make their best offers to compete. When you search for a home loan, we highlight the best quotes at the top of the search results and organize your custom offers so you can easily compare.
Zillow doesn't need any personal information to provide you with real, custom mortgage quotes. You don't have to share your name, email address, phone number, Social Security Number, or anything else to start comparing current mortgage rates. We take your privacy seriously. Get personalized mortgage rates today on Zillow!