Explore Rates

Real pricing. Your scenario. Open to the public.

Compare personalized mortgage rates and payments without a credit check. Adjust your scenario to review rates, points, lender fees, and cash to close. Update taxes, insurance, and HOA dues, then download an itemized cost worksheet. For personal guidance, request a Pro-Quote. Results are estimates, subject to eligibility and lender confirmation—not a rate lock or loan approval.

Compare live rates and loan programsExplore different payment scenariosDownload a closing-cost worksheet

Next Steps

Ready to move forward

Full Mortgage Application

Ready for pre-approval or refinancing? Begin your full application. A credit review is required.

Run the numbers

Mortgage Calculators

Explore Mortgage Payment, Debt Consolidation, Home Affordability, Amortization & Extra Payment, Biweekly Mortgage, Rent vs. Buy, and 3-2-1 Buydown calculators.

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Set Rate Alerts

Save and edit scenarios in your dashboard. Get notified when rates move before you do.

Explore at your own pace. Professional guidance is available whenever you’re ready.

Ready for professional guidance?

Start your Pro-Quote.

Vincent will provide a professionally structured quote and personalized consultation. Begin the short, secure inquiry. This is not a full mortgage application.

Get Your Pro-Quote

Questions about this tool

Where can I see today’s mortgage rates in NC, SC, or FL?
Explore Rates shows mortgage pricing tailored to your purchase or refinance scenario in NC, SC, or FL. Enter your property and loan details to compare rates, estimated payments, and closing costs; displayed pricing is not a rate lock or loan approval.
Read the full answer : Where can I see today’s mortgage rates in NC, SC, or FL?
How much is PMI?
PMI is private mortgage insurance that protects the lender against losses if you stop repaying the loan; you usually pay for it with less than 20% down on a conventional mortgage. It adds to your cost, but helps make down payments as low as 3% possible on eligible programs. Explore Rates estimates PMI for your scenario using one provider; your lender’s final premium may differ.
Read the full answer : How much is PMI?
How do I download a closing cost PDF worksheet?
Open Fees or P&I on an Explore Rates card, update your property expenses in Payment, and review costs in Details. Select Closing cost PDF to download your worksheet. It is a planning estimate, not an official Loan Estimate or rate lock.
Read the full answer : How do I download a closing cost PDF worksheet?
How accurate are the rates and costs shown in Explore Rates?
Explore Rates shows pricing for the scenario entered and the market at that time. Payment and closing-cost estimates depend on accurate inputs; PMI uses one provider, while taxes, insurance, and other costs need confirmation. A displayed quote, Rate Alert, or Dream Rate target does not lock a rate.
Read the full answer : How accurate are the rates and costs shown in Explore Rates?
Will Lendexa match or beat another mortgage offer?
Found a better mortgage offer? Bring Vincent the written quote or Loan Estimate before you decide. We may have options beyond the pricing displayed online and will review whether we can match or beat the offer, comparing the rate, points, lender charges, credits, and mortgage insurance. A match or beat depends on the offer and available pricing; it is not guaranteed.
Read the full answer : Will Lendexa match or beat another mortgage offer?
Can you review my builder’s preferred-lender offer?
Bring the builder’s written incentive terms and the preferred lender’s quote or Loan Estimate. Vincent can compare the full package, including any credit you would lose by choosing another lender, and explain whether another option may work better.
Read the full answer : Can you review my builder’s preferred-lender offer?