Anonymous Rate Check
See Live Mortgage Rates Without Giving Personal Information
No name. No phone. No email. No SSN. No credit pull. Pick your scenario - the pricer below returns live wholesale rates from hundreds of lenders in seconds. Backed by the Loan Factory $2,000 Best Price Guarantee on qualifying loans.
Conventional Loan Facts
- Down payment as low as 3% for first-time homebuyers, 5% for others
- Down payment assistance programs available to fully cover the 3% down payment
- Private Mortgage Insurance (PMI) required below 80% LTV - automatically removed at 78%
- Maximum DTI typically 45%, up to 50% with strong compensating factors
- Minimum credit score generally 620; best rates at 740+
- Available for primary residence, second home, or investment property
- No upfront mortgage insurance premium - only monthly PMI if applicable
Why Most Mortgage Sites Make You Hand Over Info First
The mortgage industry runs on leads. Most rate-comparison sites are lead-generation marketplaces: they collect your name, phone, email, and rough scenario, then sell that lead to four to ten lenders who call you within minutes. The "rate" they show is bait, not pricing.
Rate Direct is the consumer pricing site of a Loan Factory loan officer - not a lead aggregator. The rate you see is the rate the wholesale market is offering for your scenario right now, with no contact-gate in the way.
Plus a $2,000 Backstop
If you do choose to apply and close with us, the Loan Factory $2,000 Best Price Guarantee pays $2,000 if any other lender closes the same loan with a strictly better combination of rate, fees, and mortgage insurance. The guarantee covers fixed-rate Conventional, FHA, and VA loans of $200,000 or higher.
Frequently Asked Questions
Can I see mortgage rates without giving my personal information?+
Yes. Rate Direct shows live wholesale mortgage rates without asking for your name, phone number, email, Social Security number, or any contact information. Pick a scenario, the pricer returns rates in seconds.
Will checking rates here pull my credit?+
No. Viewing rates on Rate Direct does not pull credit. We use the FICO range you select to filter pricing - no soft or hard pull happens until you choose to apply.
Why do most mortgage sites require my info before showing a rate?+
Most sites are lead-generation funnels: they sell your contact info to multiple lenders who then compete to call you. You become the product. Rate Direct is a single loan officer's pricing site, not a lead aggregator - so the rate is shown upfront.
How do I know the rates are real if I do not give my info?+
Rates returned come from live wholesale pricing engines that hundreds of lenders post to in real time. They are the same rates a loan officer sees when running a scenario for a fully verified borrower with your stated FICO, loan size, and property profile.
When do I have to give personal info?+
Only when you decide to apply. At that point we collect what is required to issue a Loan Estimate and run a hard credit pull. Until then, browsing is anonymous.
Is the $2,000 Best Price Guarantee available even though I did not give my info?+
Yes. The guarantee applies once you formally apply through Rate Direct and meet the program rules. Browsing anonymously does not disqualify you.
Like the rate? Apply when ready.
Same-day Loan Estimate and pre-approval with a short application. Backed by the Loan Factory $2,000 Best Price Guarantee on qualifying loans.
Start my applicationLive mortgage rates
Real-time wholesale pricing, not daily averages
Is my rate competitive?
Compare your Loan Estimate to live wholesale
$2,000 guarantee terms
Full breakdown of the Best Price Guarantee