Check customized wholesale mortgage rates with without one phone call

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

As low as 4.990%, 5.166% APR on a 30-year fixed conventional loan as of 1/12/23

Rocket Mortgage by Quicken Loans

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 DIY Refi®?

1. Lower Interest Rates

Partners, like Rocket Mortgage, provide us their wholesale rates. Since we empower you to shop and apply, we pass the savings to you.

2. Speed

Your licensed SELFi mortgage coach is there to support you.  Most loans close in under 30 days.

3. Transparency

Unlike other mortgage sites, we are focused on educating and empowering you. 

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

It’s because lenders provide us wholesale interest rates.

How do I know the interest rates are below market? 

Compare to the average U.S. mortgage rates from Freddie Mac:

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 and calculate the break-even point.

The longer you own your home and have this mortgage, the more you benefit from a lower rate. Conversly, if you think you may sell your home in a few years, it’s likely more beneficial to choose a rate that provides a lender credit.


Need help defining your refinance goals?

Check out CEO Joseph Flannery’s advice on When to Refinance and our DIY Refi Guide.