Getting a mortgage has never been so real. honest. transparent.

Finding the best mortgage should be honest, transparent, and easy. Now it is with Realfinity Mortgage and HomeDashboard. 

Get a Quote in Seconds

Learn more about all fees associated with a mortgage and why our price is the most competitive.

Today's Rates

30-Year

15-Year

  • 6.999%

    7.161% APR (1.036 Points | Cost $7,039)

    7.125%

    7.153% APR (0 Points | Cost $0.00)

  • 6.125%

    6.388% APR (1.083 Points | Cost $7,215)

    7.000%

    7.058% APR (0 Points | Cost $0.00)

Learn more about all fees associated with a mortgage and why our price is the most competitive.

You’re only one step away from becoming a savvier
  • homeowner.
  • homebuyer.

  • Image is for example purposes only. Your Actual rates, monthly payment, and loan amount will vary.

You’re only one step away from becoming a savvier
  • homeowner.
  • homebuyer.

  • Image is for example purposes only. Your Actual rates, monthly payment, and loan amount will vary.

Get home financing advice on your terms to manage your home on the go.

Looking for a home and have a property in mind?

Curious about the value of your current home?

See today’s rates and track loan scenarios.

HomeDashboard®

Your new favorite real estate management tool.

A dashboard for your prospect properties.

Compare the homes you’re shopping for with live data about their value, neighborhood, property history, and much more.

Get HomeDashboard

Real finance opportunities tailored to you.

Compare custom mortgage products with your loan officer and real estate agent by your side. All products are tailored and live whether you own or buy.

Get HomeDashboard

Real property data.

Your home loan and property data at your fingertips. See the true value in your real estate assets and track its growth and future buying potential.

Get HomeDashboard

Tools made for you.

Better understand your biggest asset. Leverage home equity and more to achieve your financial goals and identify wealth-building opportunities.

Get HomeDashboard

HomeDashboard®

Your new favorite real estate management tool.

A dashboard for your prospect properties.

Compare the homes you’re shopping based on their fundamentals including valuation analysis, neighborhood data, recorded mortgage liens, property history, taxes and much more.

Real finance opportunities tailored to you.

Compare custom mortgage products with your loan officer and real estate agent by your side. All products are tailored and live whether you own or are buying.

Real property data.

Your home loan and property data at your fingertips. See the true value in your real estate assets and track its growth and future buying potential.

Tools made for you.

Better understand your biggest asset. Leverage home equity and more to achieve your financial goals and identify wealth-building opportunities.

Get HomeDashboard

Why Realfinity Mortgage?

A digital broker

By comparing rates from the nation’s biggest wholesale lenders, you will get the most competitive pricing while utilizing their economies of scale.

Transparent and affordable fees

We standardize processing costs at $1,595 per loan, guaranteeing end-consumers a total per-loan cost of $7,595—a 40% reduction from the industry average.

Money-saving partnerships

We have a price match guarantee, which under equal circumstances will guarantee you $1,000 in cash if we cannot match the other lenders rate and fees.

Data-driven mortgage services

We provide mortgage services whether you’re purchasing or refinancing, focusing on education through data and technology well before you are ready to transact.

Because it’s all about you.

Your home, your way. Take control of your homeownership journey.

Know your future.

Start making data-driven homeownership decisions.
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© 2024 Real-Finity Mortgage, NMLS # 2445766. All rights reserved. Mortgage brokerage services provided by Real-Finity Mortgage, LLC, a subsidiary of Real-Finity, Inc.

*Estimated savings is based on a payment example for an adjustable-rate mortgage amortized over 360 months.

Rates are current as of 08/22/23. Qualifications are based on a 760 minimum FICO credit score, 75% assumed loan to value, for a first lien mortgage on a Single-Family home, primary residence.

Rates, terms, and conditions are subject to change without prior notice and may vary based on creditworthiness, qualifications, and collateral conditions. This is not a guarantee to lend. Loan approval is subject to, but not limited to, property inspection waiver or completed appraisal, preliminary title report, minimum 2-year employment history, and the verification of satisfactory income and assets. Maximum loan amounts and other restrictions may apply. Credit is not guaranteed and will be contingent upon the loan amount and loan program. If loan does not close for any reason, out-of-pocket costs incurred by the consumer will not be refunded.

Contact sales@rfm.io for current rates or more information.

Price Match Guarantee Terms and Conditions

If you secure a loan with any lender at a lower combination of interest rate, fees, and monthly mortgage insurance, we will provide you with a $1,000 check. To ensure a fair and accurate comparison, and to create a level playing field for everyone involved, please adhere to the following conditions:

  1. Quote: Present us with an official, detailed, written quote from a competing lender. The quote should include specific details such as the lender’s name, date of the quote, loan type, term, purchase price/property value, loan amount, interest rate, monthly mortgage insurance amount (if applicable), exact amounts for all lender fees, discount points, lender credits/rebates, as well as precise amounts for all third-party charges, including appraisal, credit report, and title company fees. It is important to provide us with the quote on the same day you receive it, and then obtain a written quote from us on that exact day. This will allow us to review both quotes with you over the phone. Keep in mind that interest rates fluctuate daily, and comparing quotes from different days can lead to misleading comparisons. To ensure an accurate assessment, always compare quotes on the same day.
  2. Rate Lock: Notify us when you decide to proceed with another lender and lock in your rate on the same day you receive written quotes from both Real-Finity Mortgage and your chosen lender. Within 48 hours (two business days) of locking in your rate, email us an unaltered copy of your official locked rate Loan Estimate (LE) provided by the other lender. The locked LE should match the fees sheet or preliminary loan estimate you provided us with. It must include the lender’s name, date, interest rate, APR, loan type, term, exact amount of any mortgage insurance, lock length, and any applicable points/cost or rebate/credit associated with the chosen interest rate.
  3. Closing: Within 48 hours (two business days) of closing your loan, provide us with a complete and unaltered final, signed Closing Disclosure (CD) and the “NOTE” from your closing documents. These documents must precisely match the original written quote and the locked loan estimate provided by the other lender, as well as the documents you shared with us. This verification ensures that the other lender indeed delivered the same combination of interest rate, fees, and monthly mortgage insurance (if applicable) that they initially quoted.
  4. Superior Pricing and Claiming Your $1,000: If we are able to offer you a better price after you have locked in with a competitor, and before your closing date with them, but you choose not to accept our superior pricing, you will not be eligible for the $1,000 lowest rate guarantee. However, if we are unable to provide you with a better price before your closing date with a competitor, and your original detailed quote, official locked loan estimate, and final, signed closing disclosure and note all match, showing the same combination of interest rate, fees, and monthly mortgage insurance, and you have fulfilled the aforementioned terms and requirements, we will send you a $1,000 check within 30 days.

At Real-Finity Mortgage, we prioritize honesty and transparency when dealing with every client. We achieve significant savings for our clients by independently comparing the offerings of premier lenders nationwide, utilizing our volume discounts as a broker, and accepting lower profits on each loan. This is our commitment to delivering exceptional mortgage lending services.

Restrictions

The $1,000 lowest rate guarantee is not applicable to all loan types and is limited to fixed-rate Conventional Conforming loans (excluding Jumbo loans and High Balance Loans), FHA, and VA loans. Offers from the builder’s preferred lender are also excluded. Guarantee is only offered on identical matching loan types and products offered by Real-Finity Mortgage on loan amounts of $200,000 or higher and loans that do not include an obligation to open or retain a banking relationship with a depository bank. You will not be entitled to the $1,000 we guarantee if you choose to decline a superior price from Real-Finity Mortgage that is made to you any time after you lock with a competitor and before you close/sign final documents with that competitor.

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