Compare Mortgage Rates from Top Lenders

rates.now aggregates real-time mortgage rate quotes directly from participating VA-approved lenders. Rather than showing generic estimates, we pre-generate quotes for thousands of common loan scenarios and display the actual offers lenders are willing to make to qualified borrowers. This means the rates you see reflect real pricing, not teaser rates.

Yes, completely free for borrowers. rates.now earns revenue when borrowers connect with participating lenders — you never pay a fee to use the comparison tool, view rates, or submit your information. There are no hidden costs or subscription requirements.

No. Mortgage rates are displayed publicly without registration or login. You can browse, filter, and compare rates from multiple lenders without providing any personal information. An account is only required if you manage a lender listing on the platform.

Rates are updated multiple times daily as participating lenders reprice their offerings. Each rate shown reflects a real lender offer rather than a published daily average. Because mortgage rates can shift intraday based on bond market movements, we recommend refreshing the page or comparing quotes on the same day when you're ready to make a decision.

No. Simply viewing or comparing rates on rates.now does not trigger a credit inquiry and has no impact on your credit score. A hard credit pull only occurs when you formally apply for a loan directly with a lender. Rate comparisons and pre-qualification checks, by contrast, use soft inquiries that are invisible to other lenders.