Equity Loans, Home Improvement and Debt Consolidation

Home Loans Survey

This free site has been created to help people find the best mortgage rate for a home loan. Home Loans Survey is not a broker or lender.

Find a Mortgage Quote
A simple way to get written, custom quotes from multiple mortgage lenders to buy your dream home with a dream loan.

Home Loan Rates
Find the best home loan interest rates from thousands of lenders and brokers...

Purchase or Refinance Home Loans
Find the perfect mortgage/home loan. Choose from fixed or adjustable rates.

Home Loans for Less than Perfect Credit
Click here to see the best "subprime" purchase and refinance mortgage rates.

Equity Loans & Home Improvement
Fast cash now to ELIMINATE BILLS, make home improvements or REMODEL with up to 125% of your home's value. Quickly turn your home's equity into cash.

FHA Loans
Low down payments and home loans for for first time buyers.

VA Home Loans
Government loans with low rates for veterans, active, or reserve military.

Find a Home Loan Lender
Lenders and brokers ready to help you find the perfect home loan.

Home Loan Interest Rate Information
Learn insider tips on how to negotiate the best rates.

Home Loan Calculators
Powerful financial calculators.

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Home Loan Rate Comparison

Interest Rates for Equity, Home Improvement/Remodel and Debt Consolidation Loans

Home Loan Rate Tips

Credit Scoring
IMPORTANT: Your credit score will affect your mortgage rate... the higher the score, the better the interest rate.

If you have recently obtained your credit report and you are not happy with what was reported, you can take steps to correct the erroneous information on it in order to get a better mortgage rate. There are also proactive things you can do to improve your scores, if you are anticipating applying for a mortgage anytime soon.

The first is the most obvious. Pay all your payments on time. The second is, don't apply for any new credit unnecessarily. Everytime you sign and return a new credit card offering, or open that second account at a department store because you get a 15% discount, an inquiry will be generated and that will reduce your score. The third is, if you must maintain credit card balances, try to keep them at a level that is 35% - 40% of the maximum credit limit. In other words, if the credit limit is $1,000, try to keep your running balance below $400. Believe it or not, consolidating all your credit cards onto one can hurt you, if the balance is at the credit limit. The fourth is, if you get into a dispute with the phone company and it isn't a huge amount, pay it and move on. Having one or more collections, even if they are small amounts, can really hurt your score.