Licensed Mortgage Broker • NMLS #123456

Find Your
Perfect Rate

We shop 50+ lenders so you get the best mortgage rate for your unique situation — with zero pressure and full transparency.

Get Pre-Qualified Free Compare Today's Rates
50+ Lenders We shop them all
4.9★ Rating 1,200+ reviews
$2B+ Funded Loans closed
Happy couple holding house keys in front of their new home
Today's Rate
6.45% APR
30-Year Fixed Conventional
Down 0.12% this week

Every Loan Type, One Trusted Broker

From your first home to your next investment — we have the right loan for every milestone.

Purchase

First home or fifth — we find the best purchase loan for your situation. Low down payment options available.

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Refinance

Lower your rate or tap your equity with a smart refinance strategy tailored to your goals.

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FHA Loans

Government-backed loans with as little as 3.5% down, ideal for first-time buyers.

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VA Loans

Exclusive zero-down financing for veterans and active-duty service members.

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Jumbo Loans

Financing above conforming loan limits with competitive rates for high-value properties.

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Investment

Grow your portfolio with smart financing on rental and investment properties.

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See How Our Rates Stack Up

ClearPath shops over 50 lenders in real time — not just one bank's shelf rate. We compare wholesale rates across our entire network so you see the most competitive options side by side, transparently, before you commit to anything.

Lender National Bank Online Lender ClearPath Best Match
Rate 7.12% 6.89% 6.49%
APR 7.34% 7.18% 6.68%
Monthly Payment $2,218 $2,173 $2,086
Points 1.0 0.75 0.25
Closing Costs $6,850 $5,920 $4,375

* Sample rates shown for illustrative purposes only. Based on a $450,000 30-year fixed loan, 20% down, 760 credit score. Actual rates vary.

Get Your Personalized Rate

What Affects Your Rate?

Understanding these five factors helps you take control of your mortgage cost before you apply.

Credit Score
Higher scores unlock lower rates — even a 20-point difference can save thousands over the life of your loan.
Loan-to-Value Ratio
A larger down payment lowers your LTV, reducing lender risk and typically qualifying you for better pricing.
Loan Type
Conventional, FHA, VA, and jumbo loans each carry different rate structures and eligibility requirements.
Property Type
Primary residences, investment properties, and condos are priced differently by lenders based on occupancy risk.
Loan Term
Shorter terms (15-year) come with lower rates but higher monthly payments — we help you find the right balance.
Mortgage Calculator

Calculate Your Monthly Payment

Get an accurate estimate instantly. Adjust the values below to explore different scenarios.

Home Price
$50K$2M
Down Payment — 20%
3%50%
Loan Term
Annual Interest Rate (%)
Est. Monthly Payment
$2,846
Principal & Interest $2,496
Est. Property Tax $281
Est. Insurance $69
Lock This Rate
Payment Breakdown
Monthly $2,846
Principal
$729 / mo
25.6%
Interest
$1,767 / mo
62.1%
Property Tax
$281 / mo
9.9%
Insurance
$69 / mo
2.4%
Amortization Summary
First 6 months
Month Payment Principal Interest Balance
View Full Amortization Schedule

From Application to Keys in 4 Simple Steps

A clear, transparent process — no surprises, no runaround.

1
Pre-Qualify
  • Takes just 3 minutes
  • Soft credit check (no score impact)
  • Get rate estimates instantly
  • No obligation required
2
Apply
  • Complete full application online
  • Upload documents securely
  • Dedicated loan officer assigned
  • Real-time application tracking
3
Underwrite
  • Our team handles lender communication
  • Average 12-day underwriting
  • Proactive status updates
  • Any issues resolved quickly
4
Close
  • Final walkthrough of all numbers
  • Sign at a time & place convenient to you
  • Keys in hand same day
  • Post-close support available

Ready to start?

Pre-qualification takes 3 minutes — no credit impact, no commitment.

Begin Pre-Qualification

Meet Your Loan Officers

Every client gets a dedicated, licensed expert — not a call center.

Portrait of James Whitfield, Senior Loan Officer
James Whitfield

Senior Loan Officer

NMLS #284751

Specialist in FHA
& First-Time Buyers

312 loans closed

Schedule a Call Send Email
Portrait of Sarah Connelly, Mortgage Advisor
Sarah Connelly

Mortgage Advisor

NMLS #391024

Specialist in VA
& Military Loans

487 loans closed

Schedule a Call Send Email
Portrait of David Park, Jumbo Loan Specialist
David Park

Jumbo Loan Specialist

NMLS #445872

Jumbo & Investment
Properties

261 loans closed

Schedule a Call Send Email
Portrait of Maria Santos, Refinance Expert
Maria Santos

Refinance Expert

NMLS #502913

Refinance & Home
Equity Solutions

394 loans closed

Schedule a Call Send Email