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National Mortgage Guides

Buying a home? Start with the right mortgage.

Tell us where you're looking and one licensed lender in your state can walk you through your loan choices.

Free, about two minutes. We ask for contact details only at the last step.

  • Free, With No ObligationAsking costs nothing.
  • No Credit Check to StartAnswering our questions never touches your credit.
  • One Licensed LenderYou see the lender's name before you share your number, and only that lender gets it.
  • Straight AnswersPlain-English guides with sources from HUD, FHA, VA and the CFPB.

Who It's For

People planning to buy a home with a mortgage, whether it's a first home, a move-up home or a second home.

A young couple laughing as they carry moving boxes into an empty house

What to Know

How It Works

  1. Answer a Few Questions

    Your goal, your ZIP code, your home and your timing. About two minutes, with no contact details until the last step.

  2. Get Matched With One Lender

    We find one licensed lender in your state that takes this kind of loan, and show you its name first.

  3. Hear From That Lender

    If you choose to send your request, that lender reaches out. You decide what happens next.

Four Things You Can Check

  • The Lender's License

    You see the lender's name and NMLS ID before you share your number. Anyone can look a lender up on NMLS Consumer Access.

    Look Up a Lender's License

  • How We Get Paid

    Lenders pay us a flat fee when you ask to be contacted. You never pay us. The fee is the same whether or not you take out a loan.

    Read How We Get Paid

  • Who Gets Your Request

    One lender, named on the form before you send it. Every lender who may get a request is listed with its NMLS ID.

    See Our Lender Partners

  • Our Sources

    Every guide ends with a list of its sources, such as HUD, the CFPB, Fannie Mae and Freddie Mac.

    Browse the Guides

Common Questions

Do I need 20 percent down?

No. With less than 20 percent down you'll generally pay for mortgage insurance. Lower down payment options include some conventional loans, FHA loans with 3.5 percent down, and VA and USDA programs with no down payment for eligible buyers.

Can my closing costs go up after the Loan Estimate?

Some can and some can't. Lenders can't deliberately underestimate costs. Unless something changes, some fees can't go up at all and others can go up by no more than 10 percent in total.

Is there help for first-time buyers?

Many states and local groups help first-time buyers with a down payment or closing costs. A HUD-approved housing counseling agency near you can point you to programs.

Learn More

By National Mortgage Guides

Sources

Prefer to talk? Call 1 (833) 445-1349