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Rate Averages Provided by Bankrate.com are calculated in two ways:

The Bankrate.com National Index is based on a weekly survey of the 50 largest banks and the 50 largest thrifts in the 10 largest metropolitan areas in the country.
These rates have been collected for 15 years and provide a broad historical perspective on rate trends.

Bankrate.com's Overnight Averages: Approximately 4,000 banks are surveyed each week in 173 markets in 50 states and the District of Columbia.

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Mortgage credit report

Your ability to repay is at the heart of every bank’s loan decision. Simple mistakes can effect your ability to get a mortgage. Do you know how lenders look at you?

Mortgage Credit help

Even if you've had bankruptcy or credit problems in the past, you probably still are eligible for a mortgage or to refinance now. Allow us to show you how.

New Mortgages

Find the cheapest mortgage loan. Select from low fixed or adjustable rates. Get pre-qualified for free today and find out now how much you can afford. now comes the tricky part.

Credit Glossary

Don't know the difference between a ‘point’ and a ‘payment cap?’ Lenders do, and so should you. Take advantage of our easy-to-use alphabetical glossary.