Where to Get the Lowest Home Mortgage Rates

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Moe Bedard

Call 1-800-779-4547
Staff member
Loan Safe Mortgage
Aug 10, 2007
Southern California
The real estate market is unquestionably in a state of disarray and consumers are looking to seek the ideal solution when purchasing or refinancing their homes. Mortgage rates have remained pretty much at record lows through this crisis we see now. Current homeowners are seeking refinancing options, while buyers are taking advantage of today’s low prices on real estate.

Where can one obtain the lowest home mortgage rates?

Almost all lending institutions have lowered interest rates as a result of the economic recession. Specifically, banks are now in competition to offer the best deals that are appealing to home loan shoppers. There are also several websites also make it possible to compare mortgage interest rates across the industry.

But please watch out for the many online and offline scams targeting borrowers. They are everywhere!

With that said, I would personally recommend that anyone looking to refinance or purchase a home that they apply with the top 3 or 4 "brand name" lenders in the country. The reason I say this is because many lenders have simply went out of business and many more will in the next few years. You as a borrower want to do business with a firm that has been around and will be around when this crisis ends.

The following is a list of lenders and some websites that offer the lowest mortgage rates across the industry:

1. Citi Mortgage - https://www.citimortgage.com/Mortgage/Home.do?td= Find your dream home? Take advantage of our Guaranteed Rate Lock. CitiMortgage has competitive pricing and a closing process that will help get you into your new home sooner!

Get your new home mortgage started today!

Refinancing your mortgage may lower your interest rate and payment, save you interest by shortening your term, help you consolidate debt or pay for an education and more!

Explore your refinance options today!

2. Bank of America Home Loans - Home Loans: Select the Right Bank of America Home Loan for You

At Bank of America Home Loans, we’re committed to responsible lending and giving you the knowledge and confidence you need to select the home loan that’s right for you. Our approach gives you the chance to make clear and informed decisions about your mortgage, so there are no surprises. Because it’s time for something simpler, something, clearer. That’s the commitment we’re making to you.

Find a Mortgage Loan Officer.


En Español

Find a mortgage loan officer

Locate a banking center

Buy a home

Refinance your home

3. Chase Mortgage - https://www.chase.com/online/Home-Lending/mortgages.htm

At Chase, we're dedicated to helping you find the refinancing solution that's right for you.

Whether you're buying your first home or you're an experienced buyer, Chase has a purchase solution just for you.

4. Wells Fargo Home Mortgage - https://www.wellsfargo.com/mortgage/

With an extensive network of mortgage consultants in more than 2,000 mortgage stores nationwide, Wells Fargo can help you finance your most important investment — your home. Find a local Mortgage Consultant

5. US Bank - Home Mortgage

New Mortgage or Refinance
Current Customers
Mortgage Servicing
  • Call 800-365-7772

Today's US Bank Mortgage Interest Rates

Here are some online comparison websites. Please be aware that many of these site will "sell your information" to the highest bidder:

1. eRate – Lowest Refinance Mortgage Rates, Best Mortgage Rates Chart

eRate has been rated the best mortgage rate source over the last 15 years. The site is easy to use and lets a viewer select from a number of options, including fixed mortgages and adjustable rate mortgages. However, consumers should always be weary of adjustable rate mortgages since they usually result in a buyer paying an effective rate greater than a fixed rate mortgage. When first visiting the site, users are prompted to select a particular state. It is then required to fill out a basic questionnaire regarding what type of mortgage is one is looking to finance, whether it is a fixed rate mortgage, adjustable rate mortgage, a mortgage for a new purchase or a refinancing option. The features and design of the website make it extremely easy for one to find the right solution.

2. Quicken Home Loans – www.QuickenLoans.com

Similar to eRate, QuickenLoans requires that one complete a basic questionnaire prior to viewing the applicable mortgage rates. The design of the site makes it easy for a user to calculate and find a desired rate. Users must have an idea of the amount they are planning on borrowing in addition to the anticipated down payment. Once this information is entered, the site geneRates a list of providers, making it simple for a viewer to make a selection. What’s unique about QuickenLoans is the interactive chat agent that assists users with making the ideal selection.

3. BankRate – Mortgage Rates Credit Cards Refinance Home CD Rates by Bankrate.com

Though it may be the least popular of the three, BankRate can help a potential homeowner find the cheapest available mortgage rates. The site also provides a real-time chart of the current mortgage rates available on the open market. Users must select the type of mortgage they are seeking before a comparison of rates can be provided. Users can also find out instantly if they will be approved for the mortgage of their choice.

As can be seen, it is not difficult to find out where to get the lowest home mortgage rates. However, information must be readily available beforehand so that one can choose the least expensive financing option. In today’s ailing economy, it is foolish not to take advantage of the record low mortgage rates that are being offered.

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