The Best Mortgage Rates

As an experienced home buyer, you’re looking for one thing – the best rate possible.

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.

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Do I Qualify for a Mortgage?

To qualify for our Best Mortgage Rates, you must:

  1. Borrow no more than 90% of the value of the home (10% down payment for purchases)

  2. Purchase or refinance a primary residence or second home - no investment properties

  3. Have a minimum credit score of 680

  4. Possess cash reserves equal to 6 months (or more) of your monthly mortgage payment after closing

  5. Minimum loan amount of $100,000; maximum loan amount of $453,100

Looking at a different kind of loan?

We still can help. One of our experienced loan officers will find a loan that’s right for you! Contact us now at

Become a RateHero

  • Answer our prequalification questions above to see if our loan offerings are a fit for you.
  • Check out our rates. (And don’t worry, we won’t ask for your email!)
  • Get started and apply online.
  • Talk to a RateHero like Rosie. We’re an online lender, but first and foremost, we’re here to serve you.
  • At our core, we’re focused on providing the best rate possible, allowing us to cut costs and pass those savings on to you. If this service is for you, then you’re on your way to a fabulous rate from our RateHeros.
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