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Start your application
Drop your email and pick the loan you need. You'll finish on the secure Loan Factory portal on the next screen.
Next screen is Loan Factory's secure application. Privacy
Have a term sheet or loan estimate?
Upload a competing offer. We'll show you what we can save you.
Backed by a $2,000 Best Price Guarantee. Terms
Not ready to apply?
No pressure. Reach out with your scenario and we'll get back to you with a same-day response.
Rate Direct is run by Jennifer Kirby. Every loan is originated personally through Loan Factory Inc. Every email, text, and call comes from us directly, and we never sell your information.
NMLS# 2672337 Loan Factory Inc., NMLS# 320841
Backed by Loan Factory's $2,000 Best Price Guarantee
Find a lower rate elsewhere? We'll beat it or pay you $2,000. Send your competing Loan Estimate and we'll return a side-by-side comparison the same day.
Drop your email and pick the loan you need. You'll finish on the secure Loan Factory portal on the next screen.
Next screen is Loan Factory's secure application. Privacy
Today's mortgage rates
Conventional
6.250%
6.288% APR
FHA
5.750%
5.780% APR
VA
5.750%
5.780% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.