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Best Mortgages of 2025

Home purchase and refinance loans. We compared 27+ lenders to find the top picks for every borrower profile. Last updated April 2025.

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Our picks: We evaluated mortgages from 50+ lenders based on APR, fees, loan amounts, minimum credit score, funding speed, and customer reviews. Featured lenders are verified partners. We may earn a commission when you apply — this never affects our ratings.
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Rocket Mortgage

4.6(5,421 reviews)

APR Range

6.50% – 8.50%

Loan Amount

$45,000 – $2,500,000

Min Credit

620+

Rocket Mortgage is America's largest mortgage lender, offering a fully digital home loan experience.

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Mortgages — Frequently Asked Questions

What is the best mortgages rate right now?

The best mortgages rates start around 7–9% APR for borrowers with excellent credit (720+). Rates vary by lender, loan amount, term, and your credit profile. Use our comparison tool above to check personalized rates without impacting your credit.

How do I qualify for a mortgages?

Most lenders require a minimum credit score of 580–680, verifiable income, and a debt-to-income ratio under 45–50%. Some lenders specialize in borrowers with lower credit scores. Compare your options above to find lenders that match your profile.

How long does it take to get funded?

Many online lenders fund within 1–3 business days after approval. Some offer same-day or next-day funding. Traditional banks can take 5–10 business days.