TheBestMortgageRate.com Was Built on a Simple Concept:


A Different Kind of Mortgage Company

Your credit score is 680 or higher and you have 10% or more to put down so your primary focus is a great rate.  To get a really great rate, you also need the right partner.  That's where we come in — a mortgage company focused on helping experience home buyers save more!

Most mortgage lenders focus their efforts on making every possible mortgage program available to their borrowers. These 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 operational complexity. That complexity leads to higher costs, and those costs ultimately result in higher interest rates for their borrowers.

We do things a little differently. We focus our efforts on offering experienced home buyers, like you, the most common and frequently requested mortgage loan programs and we eliminate the parts of the process experienced buyers don’t need.  Then we pass along the savings in the form of a really great interest rate.

We Run our Business like You Run Your Business

We keep things simple. Our business model is built around saving money so we can offer you the lowest interest rate possible. We keep a close eye on expenses — that's what saves you money! Since our costs are lower, we can offer you a lower interest rate.

With the Safety of a Bank Behind Us

TheBestMortgageRate.com 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.  Our longevity also means we will continue to be here to serve you.

  • Great Customer Service

At TheBestMortgageRate.com, 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 even a suggestion. We would love to hear from you.

  • Clients Come First

We make sure our clients get the best support from our experienced staff.  Every interaction from application to closing is about providing our clients with the best experience possible. 

  • We Offer Superior Loans and Mortgages