Lenders compete for your loan without one phone call.

100% accurate real-time interest rates. No more time wasted on the phone. No more fear of bait and switch.

Today as low as 3.125%, 3.256% APR on a 30-year fixed conventional loan.

Our trusted lenders provide us wholesale interest rates

These are not the same rates they provide directly to you, or that are offered on most other websites. These low interest rates are only available through SELFi — simply because we believe you deserve fair rates.

Why work with SELFi?

1. Lower Interest Rates

Our marketplace of 30 lenders compete for your loan with real interest rates, in real time. No inflated rates, no more bait and switch, and no annoying sales calls. The result? Lower interest rates on all loan types.

2. Compare Options

SELFi has access to over 1,000 different options for your mortgage. And every borrower is different, so we provide you with mortgage options you can compare side-by-side to see what makes the most sense for you.

3. Expert Guidance

Unlike other mortgage sites, we NEVER sell your data. So, you won’t get a million phone calls from aggressive sales agents. With SELFi, an experienced independent mortgage coach guides you every step of the way.

Input your criteria and get your quote in 3 seconds.

Search Interest Rates

Why are rates lower with SELFi than working directly with the lender? 

It’s because lenders provide us 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.


Need help defining your refinance goals?

Check out our DIY Refi Guide.