The Independent Mortgage Watchdog

Buying a home shouldn't be a gamble.

We're the independent research platform that cuts through mortgage industry BS. Compare real rates, read unbiased reviews, and make informed decisions.

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Always free
Unbiased research

Today's Average Rate

↓ 0.125%
Compare

Live Market Data

Updated every 15 minutes

0
Lenders Tracked
0K
Rates Compared
30-Year Fixed
6.750%-0.125%
15-Year Fixed
6.125%-0.250%
5/1 ARM
5.875%+0.125%

Where are you in your journey?

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I'm a First-Time Buyer

New to home buying? Get expert guidance and tools designed for beginners.

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I Want to Refinance

Lower your rate or tap into equity with our refinancing tools and insights.

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I'm Just Researching

Explore rates, learn about mortgages, and plan your future home purchase.

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Why mortgage shoppers choose us

We're not just another rate comparison site. We're your independent research partner.

Real-Time Rate Intelligence
Live rates from 800+ lenders, updated every 15 minutes. No fake teaser rates or bait-and-switch tactics.
Unbiased Lender Reviews
Independent analysis of lender practices, fees, and customer service. We're not paid by lenders.
Advanced Decision Tools
Professional-grade calculators and analysis tools used by mortgage professionals.

Trusted by homebuyers nationwide

0K+
Rates Compared
0
Lenders Tracked
0/5
User Rating

"Finally, a mortgage site that doesn't feel like a used car lot. The rate comparison is actually accurate, and I saved $340/month compared to my bank's initial offer."

Sarah Chen
Sarah Chen
First-time homebuyer, San Francisco

"The refinance calculator showed me exactly when it made sense to refi. No BS, just real numbers. Closed in 18 days and saved $89K in interest."

Marcus Rodriguez
Marcus Rodriguez
Refinanced homeowner, Austin

"I use Ethos Meridian for all my investment properties. The lender reviews are spot-on, and the tools are more sophisticated than what most brokers use."

Jennifer Park
Jennifer Park
Real estate investor, Seattle

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