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We shop your loan scenario through a network of 48 lenders and then give you an accurate quote that you can lock in immediately. There are several factors that affect interest rates: Type of Loan, FICO scores, Loan-to-Value, Debt Ratios, just to name a few. Get a personalized quote in three simple steps, so simple my mom could do it! Sorry Mom. If you want a free Credit Report just answer two more questions. One of our Mortgage Professionals will get back to you with the best interest rate that you can lock today and the best advice on when is truly a good time to lock the rate based on our bond market analysis.