"We were in the process of refinancing with another company when we contacted mortgagefool.com. Not only were they able to get us a better rate, but the entire closing process was the most painless we have ever gone through!" - Steve S.

Rates & points assume purchase loan amount of $200,100 and $850.00 in lender fees and excellent credit. Lower loan amounts or credit scores <740 may require slightly higher points. The quoted points include both origination and discount. Please note: A refinance adds .5 to the points. (Not the rate!)

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Note: Negative points indicate a rebate back to you which may be used to pay closing costs but will not allow cash back to you , unless it is to reimburse you for costs you have already paid.