Lower rates. Fewer fees. Smarter mortgages.

Live pricing from our wholesale lender network. Change the loan type, price, down payment, and credit score to see your scenario. No sign-up needed to look.

Rates move dailyLock when you're ready. We watch the market so you don't have to, and a rate alert tells you when it's time.

APR tells the whole storyRate is the interest. APR adds the fees. Compare lenders on APR, not on the rate they put in the ad.

Points are optionalPaying points lowers the rate. We'll show you the break-even so you can decide if it's worth it for how long you'll keep the loan.

Rates and APRs shown are based on the scenario you enter (default assumptions are displayed in the table) and are subject to change without notice. Your actual rate, APR, and payment will depend on your credit history, loan amount, loan-to-value ratio, property type, occupancy, and other factors. VA loans require a VA funding fee unless exempt. This is not a commitment to lend or an offer to enter into an agreement. Nichols Home Lending, NMLS #1660690. Equal Housing Lender.

Veterans & active duty

The VA rate in that table is usually the lowest one. Here's why it should be yours.

VA loans price below conventional because the VA guarantee removes the lender's risk. Most banks still tack on a margin. We shop VA-approved wholesale lenders against each other and pass the difference to you.

Get my VA rate VA loans in Texas

What VA pricing includes

$0 down payment on purchases
No monthly mortgage insurance, ever
Funding fee waived for disabled veterans
IRRRL streamline refinance when rates drop
Stacks with Texas Vet (VLB) and disabled-veteran property tax exemptions

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