Updated 08/18/26
FreshRate.co is not a lender in any transaction and does not make loans, issue loan commitments or lock rates. All credit decisions, including loan approval, prequalification, and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched.
The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any participating lender.
You may not be matched with a lender making a particular conditional loan offer, and FreshRate.co does not guarantee that any lender will make you a conditional loan offer. FreshRate.co matches you with one or more lenders from its network of non-affiliated participating lenders, who compensate FreshRate.co for the connection. See the Privacy Policy and Disclosures for more details.
If you are offered a loan by a participating lender, the actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by the lender. Not all consumers will qualify for advertised rates and terms. Not available in all states. Rates are subject to change without notice.
Some pages on this site may also contain links to third-party offers for which FreshRate.co receives compensation. Such placements are labeled "Sponsored." FreshRate.co makes no representations, recommendations, or endorsements of any kind regarding such third parties or their offers.
If a lender in our network contacts you and solicits you for a loan application, that lender must make certain disclosures to you as required by the Federal Truth In Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the TILA-RESPA Integrated Disclosure (TRID) Rule, and/or other federal and state laws. The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age. The Consumer Financial Protection Bureau (CFPB) administers compliance with these laws and may be contacted at: Consumer Financial Protection Bureau, 1700 G Street, NW, Washington, D.C. 20552. These requirements are mandatory for all lenders; however, FreshRate.co makes no representations as to the adequacy or compliance on behalf of any lender, as we do not participate in the loan application process or make any credit decisions.