Frequently asked questions
What is HomeRates.top?
HomeRates.top tracks mortgage rates across lenders and puts them side by side, so you can compare home loan offers in one place before you apply.
How often are rates updated?
Each lender profile shows the date its rates were last updated. Rates move daily with the market, so always confirm the current rate with the lender before you lock.
What is the difference between the interest rate and the APR?
The interest rate is the cost of borrowing the principal. The APR (annual percentage rate) also includes lender fees and points, which makes it a better measure for comparing the true cost of loans.
Should I choose a fixed-rate mortgage or an ARM?
A fixed-rate mortgage keeps the same rate for the life of the loan. An adjustable-rate mortgage (ARM), such as a 5/1 ARM, starts with a fixed rate for five years and then adjusts annually. ARMs can save money if you plan to sell or refinance before the adjustment period.
Does HomeRates.top lend money?
No. HomeRates.top is a comparison site, not a lender. We link to lenders so you can apply directly with them.
How does HomeRates.top make money?
Some lender links are affiliate links, which means we may earn a commission if you apply. This never changes the rates we display or the order of our rate tables, which are sorted by rate.
Can I leave a review of a lender?
Yes. Create a free account, verify your email address, and you can review any lender. Reviews are checked by our team before they are published.
Still have a question? Contact us.