Lower Rates. More Transparency.

As low as 6.500%, 6.770% APR on a 30-year fixed conventional loan as of 8/23/23

Looking for Refinance Rates?

SELFi has access to Wholesale Interest Rates

These are not the same rates lenders can provide directly to you, or that are offered on most other websites. These low interest rates are only available through SELFi.

How it works

1. Check Home Purchase Interest Rates.

SELFi has access to wholesale rates from lenders like Rocket Mortgage, these rates are not available directly from the lender. We display the lowest wholesale rates up-front whereas most lenders require you to negotiate. 

2. Meet your Mortgage Coach. Get Pre-Approved.

While we empower you to save, you are not in this alone. A licensed Mortgage Coach will guide you from pre-approval to closing. Since we display our lowest rates up-front, our Mortgage Coaches are focus on educating, not persuading.

3. Close your Loan. On Time. Less Stress.

As a Top 20 Broker in U.S., SELFi commands expedited underwriting so you get a lower rate without compromising service. 70% of our loans are cleared to close in 15 days or less, fastest in the industry. 

Why are rates lower with mortgage brokers than working directly with the lender?

It’s because lenders provide mortgage brokers wholesale interest rates.

Average U.S. Mortgage Rates (weekly)

FreddieMac: Primary Mortgage Market Survey (PMMS)

Which option is right for you?

Our advice is to think about how long you anticipate owning your home.

If you plan on owning your home for a long time and never refinance again, then you are better off choosing a lower rate and having closing costs.

Conversely, if you think you may sell your home or refinance in the near future, you are better off choosing a higher rate that provides credits to cover the closing costs.

This is because, the longer you have your new mortgage, the more you save by paying less interest.


FAQ: SELFi vs. Better Mortgage: Who’s better?

Read this helpful comparison and explanation to determine the difference and what is best for you.