info@purerate.com (866) 755-0396

Pure Rate Mortgage

Nothing Hidden.
Nothing Added.

Get my wholesale rate

No hard credit pull · No SSN · No hidden fees
Takes under 60 seconds · No obligation

Get a free custom rate quote in seconds
I’m looking to purchase→ I’m looking to refinance→ I’m looking to use my equity→

Pure Rates

TODAY’S RATE

No form, no phone call. When you want your number, we shop for you and bring back the best fit. Clear, upfront pricing with no hidden fees.

National average (30 Year Fixed): 6.88%

Purchase30 Year Fixed
Interest6.000%
APR6.215%
Points+2.00
Customize rate
Purchase30 Year Fixed
Interest6.125%
APR6.293%
Points+1.50
Customize rate
Purchase30 Year Fixed
Interest6.250%
APR6.371%
Points+1.00
Customize rate
Show more

See Assumptions
Mortgage Rates as of 9/14/2026, 1:08 PM

Rates shown are illustrative. The live table is served by BankingBridge and renders in their format.

Get my wholesale rate

No hard credit pull · No SSN · No hidden fees
Takes under 60 seconds · No obligation

5.0
★★★★★
200+ Google reviews

No branches. No sales floor. No stadium with our name on it.

Word of mouth is the whole marketing budget. What we spend goes into best in class technology and shopping your loan.

C
Catherine Corso
★★★★★2 weeks ago

Drew and team are the best! I HIGHLY recommend working with them. They walked me through a complex process with patience, lowered my anxiety with th…

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Michael Garcia
★★★★★2 weeks ago

Great experience with the Pure Rate team! They were professional, communicative, and great to work with all around. I was cleared to close well in adv…

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S
Steven Graves
★★★★★2 weeks ago

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Carlos Chavira
★★★★★2 weeks ago

Had the pleasure of working with Daniel F. He was prompt with his responses and I could always count to hear back from him regardless of how late it w…

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Read all 200+ reviews on Google →
5,000+
Homeowners helped
$1 Billion+
In mortgages closed
5.0
Across 200+ reviews
15
States licensed
$1,000

Close-on-Time Guarantee

If a qualifying Pure Rate delay makes us miss your closing date, you get $1,000.

Get my wholesale rate Eligible purchase transactions · Terms & Conditions

THE PURE RATE PROMISE

Get pre-approved

Pure Pre-Approval

Get Verified Before You Make the Offer.
And Up to $500 Back.

  1. Before You Offer, Through Closing

    Get verified.

    A Verified Pre-Approval is a preliminary credit decision based on a fuller underwriting review — your application, income, assets and credit — so you are financially verified before you write the offer, not after.

    Underwritten before you offer. This speeds up the process so that we are ready by the time your offer is accepted. Not after.

    Up to $500 of your appraisal fee back.

  2. After the Keys

    Stay ahead.

    We keep watching after you move in — your rate, and your estimated value and equity. When a refinance is actually worth doing, you hear from us.

    Rate Watch→Mortgage Ladder→

Up to $500 of your appraisal fee reimbursed, and the $1,000 Close-on-Time Guarantee, when your eligible purchase loan closes with Pure Rate. Reimbursement is capped at the appraisal fee you actually paid.

This is who picks up.
At any hour.

Drew Fisher
Owner / Founder
NMLS #44061
Daniel Formeck
Director of VA Lending
NMLS #1304182
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Talk to Us

The process

How we close a loan in 8 days*

  1. Day1

    Application & Underwriting

    You apply and upload your documents. We shop our wholesale lenders and bring back your best options, you lock your rate, and the complete file goes to underwriting.

  2. Day2

    Clear Conditions

    We review the conditional approval and clear conditions. You provide anything else the underwriter needs.

  3. Day3

    Appraisal

    We complete the rush appraisal, finalize title and insurance, and prepare the loan for final review. You wait.

  4. Day4

    Clear to Close

    We receive the Clear to Close from underwriting and prepare your Closing Disclosure. You wait.

  5. Day5

    Closing Disclosure

    You receive and acknowledge the Closing Disclosure, and review your final cash to close.

  6. Day6

    Waiting Period

    We and the title company use the federal waiting period to confirm the file, figures, insurance, title and closing package. You wait.

  7. Day7

    Final Prep

    We confirm final closing figures and prepare the closing package. You receive your closing instructions.

  8. Day8

    Closing Day 🎉

    You sign, send your funds, and the keys are yours. We keep watching rates and tell you when refinancing is worth a look.

Start with a 10-minute call

Why choose wholesale?

Wholesale vs. Retail

Wholesale

(Wholesale = Lenders who only work with brokers like us)

Where your rate comes fromWholesale rate sheets from the lenders we work with
How many lenders price your fileOur trusted top 20
What you’re paying forThe loan. That’s it. We keep our margins lean.
What it costs to find outTen minutes, no hard credit pull

Retail

(Retail = big banks, direct lenders and call centers)

Where your rate comes fromIts own rate sheet
How many lenders price your fileOne
What you’re paying forThe loan, plus overhead you didn’t ask for
What it costs to find outAn application, and usually a credit pull
Get my wholesale rate

Rate Watch

Rates move every day. Watching them is our job.

Tell us what you’re looking for and we’ll message you when it’s worth a look.

Watch rates for me
Tools

Do it yourself, or don’t.

The calculators are here. So is our phone number to do it for you.

866-755-0396

Affordability calculator

See how much you can afford.

Mortgage calculator

See what the monthly payment looks like.

View all calculators

Our Presence

Fifteen states.

  • California
  • Colorado
  • Florida
  • Georgia
  • Maryland
  • New Jersey
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • Washington DC
See rates in your state
FAQ

Straight questions. Straight answers.

Still have a question?
Ask us

What is a wholesale mortgage rate?

Retail lenders publish one price — their own. Wholesale rates are the pricing lenders offer to brokers who bring them loans, and they aren’t advertised to the public. We don’t lend money ourselves; we put your file in front of lenders who do, on that pricing.

Does getting a Pure Rate quote affect my credit score?

No hard credit pull is required for a rate quote. A quote uses the numbers you give us — credit range, down payment, property type. A hard pull only happens if you decide to apply, and you’ll know before it does.

How does Pure Rate make money?

Lenders pay us for bringing them the loan, and that compensation is disclosed on every document you sign.

How quickly can Pure Rate close a mortgage?

Most of our loans close in [X] days. The lever that moves that most isn’t us — it’s how quickly documents come back, which is why Pure Approval happens before you make an offer rather than after.

Why can mortgage rates vary between lenders?

Every lender prices for its own appetite — how much of a given loan type it wants that week, what its money costs, how backed up its underwriting is. Two lenders looking at the same file on the same morning can land a quarter point apart. That’s the whole reason shopping works.

Should I compare mortgage rates or APRs?

Both, for different jobs. The rate sets your payment. The APR folds in the fees, so it’s the fairer comparison between two offers — but only if both assume the same loan amount, term and points. Comparing one lender’s APR to another’s rate tells you nothing.

Community

Follow the market with us.

Join r/MortgageBrokerRates, a community of 25,000+ weekly visitors asking the same questions you are. Daily updates on where rates are going and why. No sales pitch.

Join the community

One last thing

Let’s Get You
Your Pure Rate.

Get my wholesale rate

No hard credit pull · No SSN · No hidden fees
Takes under 60 seconds · No obligation

Today’s mortgage rates in the United States