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Home Mortgage Quotes Online - How Do They Compare To a Quote From a Broker in The Real World?


Online home mortgage quotes are very similar to the quotes given by mortgage brokers in "the real world," except lower. With the reduced cost due to a simplified application process and reduce overhead for office space and personnel, online mortgage lenders can offer financing with no fees or lower interest rates.

Looking At Fees

Fees are the hidden costs of loans. Mortgage brokers are paid in fees or points on the mortgage loan. The advantage of a mortgage broker is that they find the best mortgage rates for you. So even with their fee added into the loan, you still can expect to save money.

Online mortgage brokers have automated much of the mortgage loan process, reducing costs. As a way to stay competitive, many of these lenders have eliminated or reduced their fees.

Interest Rate Quotes

Both traditional and online mortgage brokers can give you an instant generic interest rate quote to narrow your choices from a mortgage lender. However, to get a true quote, you will need to provide detailed personal and financial information. With a traditional mortgage broker, the process can take a couple of days to process the information and meet with the mortgage broker to review rates.

Online mortgage lenders connected all their databases to be able to provide you with a near instant quote. Occasionally there can be delays in processing your information if you have recently moved or changed names or jobs.

Difference Is Sales Styles

Online and traditional mortgage brokers differ in their sales style when relaying quotes to you. A traditional mortgage broker will use sales tactics to pressure you to complete the mortgage application right there. Many people feel the need to make a quick decision rather than taking the time to process the information.

Online mortgage lenders offer a different approach; they provided the information, then wait for you to take the next step. After requesting a mortgage quote, you will receive rates either through the website or through email that you can review at your own pace. You can choose to apply with a specific mortgage lender, or decide that none of them are best for you.

To view our list of recommended mortgage lenders online, visit this page:Recommended Mortgage Lenders Online

Carrie Reeder is the owner of ABC Loan Guide, an informational website online about various types of loans.


MORE RESOURCES:
Mortgage refinance applications hit 18-year low  CNBC

Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ...


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate fell. The average for a 30-year fixed-rate refinance trended down, but the average rate on a 15-year fixed refinance ...


Refinance mortgage rate falls for Friday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected.


5 Terrible Reasons to Refinance Your Mortgage  MoneyWise.com

Mortgage rates have been going up, so time may be running out if you're looking to refinance your home at an attractive rate, to lower your mortgage costs or...


Refinance mortgage rate eases for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. If you're in the market for a mortgage, see how your payments might be affected.


The Best Reasons to Refinance Your Mortgage  MoneyWise.com

Just like your car, sometimes your mortgage is due for a trade-in. You might find a new model with improved options that will save you money or fit better wi...


Refinance rates fall for Tuesday  Bankrate.com

Multiple closely watched refinance rates decreased today. If you're shopping for a home loan, see how your payments might be affected.


Mortgage lender profit outlook falls for nine straight quarters: Fannie Mae  Seeking Alpha

Profit outlook for mortgage lenders fell for nine straight quarters in Q4 2018 as demand for loans to buy homes and to refinance existing mortgages decline.


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for your refinance.


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you're shopping for a mortgage, see how your payments might be affected.


Refinance mortgage rate ratchets higher for Friday  Bankrate.com

Refinance rates were mixed, but one key rate increased. The average rate for a 30-year fixed-rate refinance advanced, but the average rate on a 15-year fixed ...


Here’s Why You Shouldn’t Let Rising Interest Rates Scare You from Buying a Home  Zing! Blog by Quicken Loans

Worried about rising mortgage interest rates? You're not alone. The days of paying 3% for a 30-year fixed-rate mortgage are long gone. Today, you're more ...


JACK GUTTENTAG: Purpose determines if refinance is correct answer  Sarasota Herald-Tribune

Should I refinance?This question was posed to me recently through Quora, the question and answer website. I did not answer it there because an adequate ...


Weekly mortgage applications drop 3.2%, hit by tanking stocks and rising rates  CNBC

While tight supply of homes for sale had been plaguing buyers for much of this year, listings are increasing, but so are prices and interest rates, weakening ...


CFPB sues mortgage company for allegedly deceiving veterans about refinance benefits  Lexology

On December 6, the CFPB announced the filing of a complaint and proposed final judgment in the U.S. District Court for the District of Nevada against…


CFPB seeks half-million-dollar settlement with mortgage company over veteran refis  Mortgage Professional America

The Consumer Financial Protection Bureau has announced that it filed a complaint against Village Capital & Investment on allegations of deception. The CFPB ...


Refinance rates slide for Monday  Bankrate.com

Several benchmark refinance rates fell today. If you're in the market for a home loan, see how your payments might be affected.


Refinance rates retreat for Saturday  Bankrate.com

Several key refinance rates tapered off today. If you're shopping for a mortgage, see how your payments might be affected.


U.S. mortgage activity rises near two-month high: MBA  Reuters

(Reuters) - U.S. borrowers filed the most mortgage applications in nearly two months as 30-year home loan costs fell to their lowest levels since early October, ...


Federal Reserve: More homeowners are getting their refi applications rejected  HousingWire

Every few months The Federal Reserve Bank of New York's Center for Microeconomic Data releases a survey of consumer experiences when applying for credit ...


Refinance rates drop off for Wednesday  Bankrate.com

Several key refinance rates dropped today. If you're in the market for a refi, see how that could affect you.


Refinance rates dip for Wednesday  Bankrate.com

Several benchmark refinance rates receded today. If you're shopping for a home loan, see what that means for you.


Mortgage firm appoints chair, MD  New Telegraph Newspaper

Nigeria Mortgage Refinance Company Plc (NMRC) has appointed a Senior Advocate of Nigeria, Charles Adeyemi Candide-Johnson and Mr. Kehinde ...


Choosing between an ARM versus a fixed-rate mortgage  Bankrate.com

One of the key decisions homebuyers and homeowners make is whether to go with a fixed- or adjustable-rate mortgage. Each have benefits and drawbacks, ...


TRANSACTIONS: GCP arranges $27.5M NJ loan, Eastern refinances 33 NJ properties  Real Estate Weekly

GCP Capital Group arranged mortgage financing in the aggregate amount of $65,300,000 for the following properties: $27,500,000 for two four-story and two ...


Refinance rates slide for Friday  Bankrate.com

Multiple key refinance rates declined today. See what that means for your refi.


Mortgage Applications Dropped by Rising Rates and Stock Declines  ETF Trends

The Mortgage Bankers Association reported that mortgage applications fell last week--dropped by a one-two combination of rising rates and stock declines.


Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes  Credible News

Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


What Americans Should Know Before Cashing out $6 Trillion in Home Equity  Credible News

U.S. home values hit a low for the downturn of $148,600 in February, 2012. At that point, millions of homeowners were “underwater” — they owed more on their ...


5 Trends that Will Shape the Housing Market  The MReport

As the year comes to an end, we asked experts from across the housing market about what factors that will define the industry in the new year.


Outlook: Three Mortgage-Industry Trends That We Might See in 2019  Home Buying Institute

A new round of mortgage industry forecasts and projections suggest that higher interest rates could lead to a purchase-dominated mortgage market in 2019.


LI banker sentenced in mortgage fraud case  Newsday

A Long Island banker was sentenced to 2 years in federal prison Monday for his role in a scheme in which prosecutors said he and his colleagues used nearly ...


Weekly refinance demand plummets as mortgage rates hit a 5-week high  CNBC

A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ...


Uhuru Kenyatta outlines ‘Big Four’ progress  Daily Nation

President Uhuru Kenyatta on Wednesday outlined the progress made so far in his Big Four agenda for economic growth, which he unveiled a year ago.


Mortgage applications fall, as refinancing hits 20-year low  CNBC

A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week.


3 Signs You Should Refinance Your Mortgage  The Motley Fool

Refinancing at the right time can save you thousands of dollars a year.


Refinancing activity in the US just plunged to the lowest level in over a decade  Business Insider

Refinancing activity plunged to the lowest level since 2000 as interest rates rise.


Refinance mortgage rates mixed for Friday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you.


When Is a Cash-Out Refinance Loan a Good Idea?  U.S News & World Report Money

In a cash-out refinance mortgage, you take a loan against your home in excess of what you owe, leaving you with cash available to spend. Adding to the debt ...


This is what the housing market could look like in 2019  HousingWire

In 2018, the housing market experienced its fair share of up and downs, attributed to many factors, including affordability and inventory concerns. But as the year ...


Refinance mortgage rates mixed for Tuesday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


Credible Expands Their Marketplace Into Mortgage Refinancing  Lend Academy

Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...


Northern Trust Corp Reduces Position in TFS Financial Co. (TFSL)  Fairfield Current

Northern Trust Corp decreased its position in TFS Financial Co. (NASDAQ:TFSL) by 1.3% during the 2nd quarter, according to the company in its most recent ...


Refinance mortgage rates mixed for Thursday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a home loan, see how your payments might be affected.


Mortgage application activity rises on uptick in refinance volume  National Mortgage News

An increase in refinance activity in the period after Columbus Day drove mortgage applications 4.9% higher from one week earlier, according to the Mortgage ...


Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First  Forbes

Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ...


Refinance mortgage rates mixed for Wednesday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a refi, see how your payments might be affected.


Refinance mortgage rate eases for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you're shopping for a refi, see how your payments might be affected.


Refinance mortgage rate moves up for Friday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. If you're in the market for a mortgage, see what that means for you.


Refinance mortgage rate trends higher for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. The national average for a 30-year fixed-rate refinance advanced, but the average rate on a 15-year ...


Should I pay my mortgage with a credit card?  Bankrate.com

Many of us put the majority of our expenses on credit cards, racking up rewards before paying off our balances.


Existing and interest-only mortgage borrowers gouged by big banks, says ACCC  ABC News

Existing interest-only borrowers subsidised the big banks' revenue to the tune of more than a billion dollars over the past year after they were hit with a ...


Rates Are Rising, But Is It Time To Refinance? Five Scenarios To Consider  Forbes

Mortgage rates are rising. Does that mean it's time to refinance? About 85% of you just shuddered at the thought of refinancing as rates climb. Hear me out.


Best Mortgage Lenders  Bankrate.com

The best mortgage lender isn't the same for everyone.That's why we compiled a list of best mortgage lenders for first time home buys to those looking for their ...


Refinance mortgage rate slides for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. If you haven't locked a refinance yet, see what that means for you.


Rocket Mortgage Review  Bankrate.com

Rocket Mortgage from Quicken Loans lets you apply for a mortgage in minutes using nothing more than a smartphone app.


Refinance mortgage rate advances for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate moved higher. See what that means for your refinance chances.


Refinance rates drop off for Thursday  Bankrate.com

Multiple key refinance rates receded today. If you haven't locked a refinance yet, see how your finances could be affected.


Refinance mortgage rate slides for Monday  Bankrate.com

Refinance rates were mixed, but one key rate sunk lower. See what that means for your chances of scoring a killer refi rate.


Refinance rates fall for Saturday  Bankrate.com

Multiple key refinance rates trended down today. If you're in the market for a home loan, see what that means for you.


Refinance mortgage rate ticks higher for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate floated higher. See what that means for your chances of getting a better mortgage rate.


Refinance rates tick lower for Thursday  Bankrate.com

Several key refinance rates declined today. See what that means for your refinance chances.


Credible Brings the Power of Its Marketplace to Mortgages  Credible News

We set the standard for transparency in the student loan industry. Now we're out to do the same for mortgages.


Refinance rates slide for Wednesday  Bankrate.com

Several key refinance rates declined today. If you're shopping for a mortgage, see how your payments might be affected.


When and How to Refinance a Personal Loan  Bankrate.com

If you're thinking about refinancing a personal loan, check these factors first.


Mortgage refinance candidates cut by half in the past four months  National Mortgage News

The number of mortgage borrowers for whom it made sense to refinance declined by nearly half since the end of last year and is at its lowest since November ...


Refinance rates increase for Tuesday  Bankrate.com

Multiple key refinance rates climbed today. If you're in the market for a home loan, see how your payments might be affected.


Refinance mortgage rate drops for Friday  Bankrate.com

Refinance rates were mixed, but one key rate were down. If you haven't locked a refi yet, see what that means for you.


Refinance rates decline for Thursday  Bankrate.com

Multiple benchmark refinance rates receded today. See what that means for your chances of getting a better mortgage rate.


Refinance mortgage share falls back to 2018 low  National Mortgage News

As mortgage rates recently hit their highest point in seven years, closed refinances fell back to their low point of 2018, according to Ellie Mae.


Mortgage refinances fall to decade low  CNBC

Interest rates for home loans have risen each week this year, so each week homeowners have had less incentive refinance their mortgages. Another drop in ...


Potential refi market falls 40% as mortgage rates keep rising  National Mortgage News

The spike in 30-year fixed interest rates, at a time of continuously rising home prices, has pushed home affordability to its lowest level since 2009, and cut ...


Why it may be unwise to refinance a low home mortgage balance  The Washington Post

Q: Is it wise to refinance my mortgage if it has a balance of just $26,000? The loan was for 30 years at a fixed interest rate of 7.5 percent. I purchased the home ...


Mortgage refinance share jumps 5% despite rising interest rates  HousingWire

The refinance share of mortgage activity increased a full 5% from December to January, rising to 45% of all closed loans, according to the latest Origination ...


Refinance rates drop off for Monday  Bankrate.com

Several key refinance rates were down today. See what that means for you if you're in the market for a mortgage.


Refinance rates move higher for Tuesday  Bankrate.com

Several key refinance rates rose today. See what that means for you if you're in the market for a home loan.


What It Takes to Refinance a Jumbo Loan  NerdWallet

Refinancing a jumbo loan, a mortgage over $484350, in most cases, and up to $726525 and even higher in some high-cost areas, can result in big savings and ...


Refinance rates drop off for Saturday  Bankrate.com

Multiple closely watched refinance rates receded today. If you're in the market for a home loan, see what that means for you.


How Long Does It Take to Refinance a Mortgage?  Realtor.com News

How long does it take to refinance a mortgage? Refinancing should take anywhere from 30 to 45 days on average, although that can stretch to 60 days if you hit ...


5 Tips for Finding the Best Refinance Mortgage Lenders  NerdWallet

Finding the best mortgage refinance lender for your situation requires knowing your credit score, shopping more than one lender, negotiating lender fees, ...


Cash-Out Refinance Calculator  NerdWallet

A cash-out refinance can be a great financing option depending on your use of the cash and your financial profile. This calculator will help you determine how ...


Refinance rates rise for Wednesday  Bankrate.com

Multiple closely watched refinance rates floated higher today. See what that means for you if you're in the market for a mortgage.


Refinance rates ratchet higher for Wednesday  Bankrate.com

Several key refinance rates were higher today. See what that means for you if you're in the market for a home loan.


Weekly mortgage applications to buy a home hit the lowest level in a month as rates continue to rise  CNBC

The highest interest rates in about a month and high home prices took their toll on the mortgage business last week. Total mortgage application volume slipped ...


Refinance rates drop for Wednesday  Bankrate.com

Multiple closely watched refinance rates trended down today. See what that means for you if you're in the market for a home loan.


Refinance rates dip for Friday  Bankrate.com

Multiple closely watched refinance rates were down today. See what that means for you if you're in the market for a mortgage.


Edmonton Oilers turnaround looks like more than just a temporary spike  Edmonton Sun

WINNIPEG — Eight. Two. And one.Most people thought the slumping Edmonton Oilers would get the usual, temporary spike that comes after a coaching change ...


Mortgage rates drop, but borrowers are not impressed  CNBC

A drop in mortgage interest rates did nothing to spur borrowers to action. Applications for to both refinance and to purchase a home fell for the week.


Refinance rates ratchet higher for Monday  Bankrate.com

Multiple key refinance rates climbed higher today. If you're shopping for a home loan, see what that means for you.


U.S. mortgage industry faces job losses as refinancing dries up  Reuters

NEW YORK (Reuters) - With mortgage applications falling to their lowest since late-2014, the U.S. home lending industry is facing a major overhaul in how it ...


Refinance rates drop for Saturday  Bankrate.com

Multiple benchmark refinance rates slid lower today. If you're shopping for a home loan, see how your payments might be affected.


Refinance rates move lower for Saturday  Bankrate.com

Several closely watched refinance rates tapered off today. If you're in the market for a home loan, see how your payments might be affected.


Homeowners Ditch Refinancings as Mortgage Rates Rise  The Wall Street Journal

Refinancings make up a smaller portion of the mortgage business than at any time in the past two decades, posing a challenge for lenders who already fear ...


Refinance rates increase for Wednesday  Bankrate.com

Multiple closely watched refinance rates climbed today. If you haven't locked a refi yet, see how your finances could be affected.


Refinance mortgage rate ratchets higher for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate climbed. If you're shopping for a mortgage, see how your payments might be affected.


The flow on effects of a housing slowdown  Livewire Markets

Sydney property prices are now off more than 10% according to Corelogic data. While painful for property owners and investors, the effects go far wider than that ...


Goodbye refi: Rising interest rates all but erase refinance demand  HousingWire

While mortgage interest rates dipped ever so slightly in the last week, they've been trending up for the majority of this year. In fact, the interest rate on a 30-year, ...


Refinance rates tick higher for Saturday  Bankrate.com

Several closely watched refinance rates were higher today. If you're in the market for a mortgage, see what that means for you.


Refinance rates slide for Thursday  Bankrate.com

Multiple benchmark refinance rates dropped today. If you're shopping for a refi, see how your future mortgage payments could be affected.


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