Curious what rate you could qualify for?
Explore your mortgage options with a soft credit check. Get clarity without impacting your credit score.
Current Rates
Qualifying for the lowest advertised 30-year fixed mortgage rate typically requires a credit score of 780 or higher, a down payment of at least 45% or less than 55% (LTV), and a debt-to-income (DTI) ratio under 36% and verifiable documentation.
Optimal Blue's rates are sourced directly from actual consumer rate locks processed through its proprietary Product, Pricing, and Eligibility (PPE) Engine.
A Clear Place to Start
Share your detail
Provide the information requested in the form
Complete Soft Credit Check
Follow the prompts to explore options
Review your next steps
Decide how you would like to move forward
Review your Loan to Value (LTV)
Want to estimate a payment first?
Use the calculator to explore different home prices and down payments.
Questions before you start?
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A soft credit check (or "soft pull") occurs when your credit report is reviewed for pre-approval offers, background checks, or personal monitoring.
A soft credit pull does not impact your credit score negatively
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Your name to identify the applicant.
Your income to evaluate initial financial capacity.
Your Social Security number to pull your credit report.
The property address of the home you want to buy or refinance.
An estimate of the property's value to gauge the baseline worth.
The desired loan amount you want to borrow.
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Pick your terms, complete a soft credit check, and get your loan estimate. Take your time reviewing the details, then decide if you want to move forward. You’re in control.
Ready to explore your mortgage options?
Review you Debt to Income Ratio (DTI)
Use the Mortgage Automated Rate Finder shown below to find the rate you qualify. The information you enter will give you a rate quote. The quote result shown below is based on the information you provided. It is important that you remain truthful to the best of your knowledge to avoid any miscalculations. This result is controlled by you.
