About Us

The Best Mortgage Rate Was Built on a Simple Concept:
Do One Thing. Do It Very Well. Pass The Savings on to Our Customers.

A different kind of mortgage company

Most mortgage lenders focus their efforts on making every possible mortgage program available to their borrowers. Those lenders work hard to support as many different loan options as possible. The problem is that all those loan options create a high level of complexity. That complexity leads to higher costs, and those costs ultimately result in higher interest rates for their borrowers. Rosie hates complexity.

We do things a little differently. Rosie the RateHero focuses our efforts on offering only the most common and frequently requested mortgage loans—15- and 30-year fixed rate mortgage loans. By narrowing our focus to just those loan programs, Rosie has been able to drastically simplify our business. That means reduced costs and offering better interest rate for you.

We run our business like you run your business

Keep it simple. Our business model is built around saving money so we can offer you the lowest interest rate possible. We don’t sponsor sports teams, and you won’t find Rosie flying through a sports arena. We don't pay our staff expensive sales commissions, and we don’t own a corporate jet (although we’ve heard Rosie offers free rides to the company’s best RateHero!). We keep a close eye on expenses. That saves money. Since our costs are lower, we can offer you a lower interest rate.

With the safety of a bank behind us

The Best Mortgage Rate is the online mortgage division of Home State Bank. As a 100+ year old community bank, we understand the importance of customer trust and service. What’s more, the mortgage application process is regulated by the government, which means the process, regardless of what you pay for it, is the same across the board. Why would you pay more for the same end product? Rosie the RateHero offers great service with the same approval process as those expensive competitors.

mortgage loans
  • Great customer service

    At The Best Mortgage Rate we take pride in our great customer service. Our staff is here for you, so don’t hesitate to contact us if you have any questions, problems or maybe a suggestion. We would love to hear from you.

  • Clients come first

    We make sure our clients get the best support from our staff. We will walk you through the whole mortgage process and ensure your transactions close smoothly.

  • We offer superior loans and mortgages.

    The Best Mortgage Rate works with multiple lenders. We can provide our clients with extremely competitive pricing. Now you can do all your comparison shopping with one company without wasting time with several banks or brokers.

What Clients Say About Us

Land Your Dream Home With a Matching Dream Payment.

Get prequalified today by completing an application with The Best Mortgage Rate today.
GET PREQUALIFIED TODAY! Get prequalified today