While other sites offer hand-holding and a simplified process, to us, those services
simply mean one thing – dollar signs. As the mortgage RateHero, Rosie streamlines
expenses so the rate you see is the best rate you’ll find. In an industry defined by federal regulations that ensure everyone’s mortgage process is the same, why pay for services you don’t actually need?
In addition to Rosie’s rates, she brings more than 100 years of mortgage lending expertise from Home State Bank, which means The Best Mortgage Rate team serves as an online extension of Home State Bank’s lending division and are backed by authenticity, transparency, and good old been-around-the-block knowledge.
Borrow no more than 90% of the value of the home (10% down payment for purchases)
Purchase or refinance a primary residence or second home - no investment properties
Have a minimum credit score of 680
Possess cash reserves equal to 6 months (or more) of your monthly mortgage payment after closing
Minimum loan amount of $100,000; maximum loan amount of $453,100
We still can help. One of our experienced loan officers will find a loan that’s right for you! Contact us now at
"As an experienced homeowner, not only did I not need hand-holding through the mortgage application, but more importantly, I didn’t want to pay for it. The Best Mortgage Rate offered an easy-to-follow process with the best rate I could find. A no-brainer for me!"
"With our kids going off to college, my wife and I were looking for a way to lower our monthly payment, but we didn’t want to leave the house we raised our kids in. The Best Mortgage Rate offered competitive refinance options that allowed us to leverage the equity in our home to help pay for our expenses without downsizing. We can’t thank you enough!"
"I appreciate the convenience of shopping online for a mortgage, but I also wanted great customer service. I got both with The Best Mortgage Rate. I applied online, but when I had a question, I called and spoke with a knowledgeable representative."
"Shopping for a mortgage shouldn’t be as complicated as finding the right house. With The Best Mortgage Rate, I could do everything online, saving me trips to the bank and calls with different mortgage brokers."
"I refinanced my home with The Best Mortgage Rate and saved nearly $250 a month! I was able to put that extra money towards holiday gifts for my family."
"When my daughter and son-in-law went to buy their first house, they got sucked in to the advertisements about "easy process" from the competitors. My wife and I had already used The Best Mortgage Rate and, knowing how easy the process was, recommended the company to our daughter. They saved so much money compared to their original quotes, and without sacrificing service."