The Home Loan Expert Mortgage Rates, Fees & Info

Review & Overview

The Home Loan Expert is a smaller mortgage company specializing in various types of mortgages.



We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	6.61%	11/22/24
30 Year Conventional Refi	6.63%	11/22/24
30 Year Cash-out Refi	7.08%	11/22/24
30 Year FHA Purchase	7.45%	11/22/24
30 Year FHA Refi	7.09%	11/22/24
30 Year VA Purchase	6.13%	11/22/24
30 Year VA Refi	6.38%	11/22/24
30 Year USDA Purchase	6.52%	11/22/24
15 Year Conventional Purchase	6.14%	11/22/24
15 Year Conventional Refi	6.31%	11/22/24
15 Year Cash-out Refi	6.31%	11/22/24
15 Year FHA Refi	5.68%	11/22/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

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