30-Yr. Conforming
6.542%Down -0.027
Better rates. Bigger dreams.
Your next home.
Your numbers first.
Explore your monthly payment, closing costs, and cash to close before you apply. Mortgage estimates without the spam or pressure.
No contact details to exploreNo credit pullNo obligation
Start with an illustrative calculator estimate. Review and adjust the assumed rate and costs on the next step.
Quick estimate
Start with your scenario.
No contact information required. Example amounts are prefilled — update them for your scenario.
Explore without signing up
No name, phone, or email needed.
Understand the full picture
Payments, costs, and assumptions together.
Move at your own pace
Apply only when you are ready.
30-Yr. Jumbo
6.730%Up +0.092
30-Yr. FHA
6.366%Up +0.064
30-Yr. VA
6.167%Up +0.006
30-Yr. USDA
6.369%Up +0.126
15-Yr. Conforming
5.929%Up +0.059
Marketing market indexes, not personalized quotes, offers, or APRs. Daily changes are in percentage points. Current data is unavailable; the dated snapshot is shown for reference.
A starting point for every goal
What’s your next move?
Choose a path and explore the numbers with our mortgage calculators.
How it works
A little clarity. A confident next step.
You can explore and adjust your estimate before deciding whether to apply.
- 01
Build your scenario
Start with your goal, property ZIP code, and home details. Adjust the assumed rate, term, and expenses in the calculator.
- 02
Review the numbers
Compare illustrative scenarios and review estimated payments, costs, assumptions, and warnings in your estimate dashboard.
- 03
Apply when you’re ready
Continue to the separate mortgage application to provide the information needed for lender review and confirmed terms.
Your calculator inputs are used in the estimate flow. The separate application may ask you to enter or confirm them again.
More than a rate
See what goes into the numbers.
A lower payment is only part of the decision. Explore upfront costs, ongoing expenses, and the assumptions behind each scenario.
Monthly payment breakdown
See principal and interest, plus estimated taxes, insurance, and other housing expenses where applicable.
Closing costs & cash to close
Review estimated upfront expenses and how your down payment and credits affect the amount due.
Rate & term scenarios
Change the assumed rate and loan term to understand payment and total-interest tradeoffs.
Refinance break-even
Explore potential monthly savings and how long it may take to recover refinancing costs.
Home equity calculations
Compare a cash-out refinance, fixed home equity loan, and HELOC using the dedicated calculators.
Visible assumptions
Review the inputs, assumptions, and warnings behind your estimate before taking the next step.
Pre-application results are estimates based on information provided and are not a formal Loan Estimate, loan approval, or commitment to lend. A formal Loan Estimate is provided after a mortgage application is submitted with the required information.
Before you apply
Good questions lead to clearer decisions.
Use your estimate to prepare for a conversation with a mortgage professional. Ask about the payment, fees, and assumptions that matter to your situation.
Start with the common questionsYour conversation checklist
- What is included in my total monthly payment?
- Which costs are estimates or still need confirmation?
- How do points and lender credits change my upfront costs?
- What information is needed for an official Loan Estimate?
Service area
Currently supporting borrowers in 11 states.
OnlyRates is currently focused on helping borrowers compare mortgage estimates in select states, with more availability planned over time.
Florida
Georgia
Maryland
Michigan
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Texas
Virginia
Availability may vary by property location. You can still review estimates for properties in other states.
Questions, answered
Know what to expect.
A clear starting point, with room to explore before you commit.
Do I need to share my contact information?
No. You can use the calculators and explore your estimate without providing your name, phone number, or email address. The separate mortgage application asks for additional information when you choose to apply.
Will using a calculator affect my credit?
The calculators do not request a credit report or run a credit check. For a purchase estimate, you choose an approximate credit range yourself. A lender may request credit information during the application process.
Are the displayed market rates my personal rate?
No. The market-rate strip provides dated market context. Your calculator uses an assumed rate that you can change; the market averages do not set your estimate. Actual pricing depends on your scenario, lender review, and market conditions.
Is my estimate an approval or an official Loan Estimate?
No. These are illustrative calculations, not a loan approval, an official Loan Estimate, or a commitment to lend. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
Can I explore an estimate outside the listed states?
Yes. The service-area list is informational and does not block the calculators or the application link. Availability depends on your property location and must be confirmed during lender review.
Better rates. Bigger dreams.
Your next chapter starts with clarity.
Start with the numbers. Explore your options. Take the next step when it feels right for you.
Ready to Apply opens the separate mortgage application.