Using Real Rates.

A research and preparation tool

Real Rates presents borrower reports, comparisons and educational negotiation guidance. Reports can be incomplete, mistaken or out of date. An observed rate is not an offer to lend, a guarantee of qualification, or a promise that your lender will match it. Confirm rates, conditions, costs and deadlines with the lender.

Your mortgage has more than one number

Eligibility, fees, penalties, prepayment privileges, insurance, incentives and effective dates can change the value of an offer. Calculations depend on the assumptions shown and may differ from your lender’s payment schedule. Seek qualified advice when your situation requires it.

Contributing responsibly

Share information you are entitled to provide. Use the actual offer stage and date. Do not impersonate a borrower, advertise through contributions, invent competing offers, post other people’s private information, or interfere with the service. We may review, correct, reject or remove reports to protect the usefulness of the dataset.

Control and availability

You can manage your own contribution through the originating browser or its private resume link. Keep those links secure. Features and coverage may change during the preview, and uninterrupted availability is not promised. Newsletter consent is optional and separate from access to mortgage research.

Questions and corrections

Use the support inbox for errors, source concerns or privacy requests. These preview terms and the operator’s identity require final review before public launch. See the privacy notice and comparison methodology for more detail.