Compare the top mortgages providers in United States — see cover, features and typical rates side by side.
26 live offers compared from 18 providers, from £11.99 One-time purchase. Updated daily.
£11.99 One-time purchase
Largest US mortgage lender. 100% online application. Competitive 30-year fixed rates.
£18.99 One-time purchase
Online-only lender with no origination fees. Fast pre-approval. Competitive 30-year fixed.
£29.99 One-time purchase
2nd largest nonbank lender. In-person and online options. 30-year fixed purchase mortgage.
Price on request
Purchase mortgage from America's largest bank. DreaMaker and standard conventional options.
Price on request
Purchase mortgage with extensive branch support. Fixed-rate 30-year conventional.
Price on request
Build equity faster with a 15-year fixed mortgage. Higher monthly payment but less interest paid.
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A mortgage is a long-term loan used to buy a home, secured by the property itself. In the United States the defining feature is the 30-year fixed-rate mortgage, which locks your interest rate and principal-and-interest payment for the life of the loan—a product largely unique to the US market. Shorter 15-year fixed and adjustable-rate mortgages (ARMs) are also common. Loans fall into conventional, government-backed FHA, VA and USDA categories, each with different down-payment and credit requirements.
Borrowers get pre-approved, then a lender underwrites the loan based on FICO score, income, debt-to-income ratio and down payment. Rates are quoted as an interest rate plus APR (which includes fees). Most loans are backed by Fannie Mae, Freddie Mac or government agencies, which standardizes them and keeps the 30-year fixed widely available. Conventional loans with less than 20% down require private mortgage insurance (PMI). Government loans like FHA (low down payment) and VA (for veterans, often no down payment) expand access. Refinancing is common when rates fall.
Rate certainty — A 30-year fixed locks your rate and payment for decades regardless of market moves.
Low down-payment options — FHA, VA and USDA loans allow small or zero down payments.
Building equity — Each payment builds ownership, and homes have historically appreciated over time.
Tax deductibility — Mortgage interest may be tax-deductible for those who itemize, within federal limits.
Get pre-approved with multiple lenders and compare the APR, not just the rate, since fees and points differ. Decide between a fixed rate for stability and an ARM if you will move before it adjusts. Match the loan type to your situation—VA for eligible veterans, FHA for lower credit or down payment, conventional to avoid FHA's mortgage insurance premiums with 20% down. Factor in closing costs, PMI if applicable, and whether paying discount points to lower the rate makes sense for how long you will keep the loan.
Rocket Mortgage is the largest US mortgage lender, known for a fully online process, alongside fintech lender Better and LoanDepot. Major banks Chase, Wells Fargo and Bank of America offer mortgages with relationship discounts and branch support. Navy Federal Credit Union and USAA specialize in VA and conventional loans for military members and their families, often with competitive rates and low-down-payment options.
The main cost is interest over the term, driven by the rate you lock—30-year fixed rates fluctuate with the market. On top of the rate, expect closing costs of roughly 2%–5% of the loan amount covering origination, appraisal, title and other fees. Conventional loans under 20% down add PMI until you reach sufficient equity. Discount points let you buy down the rate for an upfront fee, worthwhile mainly if you keep the loan long enough to recoup it.
Mortgage lending is heavily regulated by the CFPB under the Truth in Lending Act and RESPA, which require a standardized Loan Estimate and Closing Disclosure so you can compare offers and see all costs. Ability-to-Repay rules require lenders to verify you can afford the loan, and fair-lending laws prohibit discrimination. Government-backed loans follow FHA, VA and USDA rules, and borrowers have rights around PMI cancellation and loan servicing.
How much down payment do I need? Conventional loans can go as low as 3%, FHA 3.5%, and VA and USDA sometimes 0%, though 20% avoids PMI. Fixed or adjustable? Fixed suits long-term owners wanting certainty; an ARM can save money if you will sell before it adjusts. Should I pay points? Only if you will keep the loan long enough to recover the upfront cost through lower payments.
The cheapest Mortgages in United States is £11.99 One-time purchase from Rocket Mortgage.
Giraffy tracks 5 mortgage products across Rocket Mortgage,Better,LoanDepot,Chase,Wells Fargo lenders in United States. The lowest tracked initial rate is currently £11.99 One-time purchase. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.
A fixed-rate mortgage locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by the Federal Deposit Insurance Corporation (FDIC). Fixed rates suit those who want stability; variable suits those who expect rates to fall.
Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional mortgage. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A mortgage adviser or broker can run a full affordability assessment for free.
Loan-to-Value (LTV) is the mortgage amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.
An indicative approval can usually be obtained the same day online. Full mortgage approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.
Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. Check with individual lenders for availability in your market.
Lenders often charge arrangement, origination, or application fees to set up a mortgage — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.