Mortgages without the overpaying
On Bankrate, lenders compete for your loan. Every offer is generated by 100+ mortgage lenders bidding for your business in real time — so whether you’re buying, refinancing, or tapping your equity, you see the rate the market actually offers.
- $73k
Average saved by Bankrate mortgage users over 30 years.
- 600+
Banks and credit unions surveyed annually.
- 99.7%
Bankrate offers beat 99.7% of banks and credit unions
Our tools, your decision
All calculatorsMortgage calculator
Find out what your monthly payment will actually look like.
Amortization calculator
See how much of your payment goes to interest.
Interest-only mortgage calculator
See what you’re paying now versus what you’ll owe later.
Debt-to-income ratio calculator
Compare what you owe each month to what you earn.
Mortgage refinance calculator
See whether refinancing would save you money.
9 out of 10 homebuyers overpay for their mortgage.
We analyzed 3.2 million mortgage originations — the largest independent study of its kind. The typical borrower overpays by $3,363 a year, not because better rates don’t exist, but because lenders have no reason to offer them unless they have to compete. Bankrate exists to change that.
Explore the data
$3k+
In avoidable annual costs for the typical borrower
$78k
In excess costs over the life of the loan
$65B
Drained from U.S. households by above-market rates
Featured by names you know and trust
The latest
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Everything you need to know about how, and when, to refinance your home loan.
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How to lower your mortgage payment
Taking the time to compare rates may save you thousands on your mortgage payment.
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Cash-out refinance: When it builds equity and when it risks your home
A cash-out refi lets you tap your home equity in cash. See if it’s right for you.
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‘Buy now, refinance later,’ they said. Mortgage rates said otherwise.
“Marry the house, date the rate,” seemed sage advice. But mortgage rates never fell, sticking some borrowers with home loans they don’t love.
June 30, 2026