The smarter way
to secure your
mortgage.
Access 20+ top-tier lenders instantly. InterestSmart technology scans the market to find your lowest rate in minutes — saving you thousands over the life of your loan.
- No SSN required to compare
- Soft credit pull — no score impact
- Real quotes, not teaser rates
- Licensed in 13 states · NMLS #1157416
Marketplace Partners
Find your rate
Select your primary objective to start.
Live Marketplace
Today's marketplace rates
Sample wholesale rates scanned this morning across our lender network. Your personalized rate depends on credit, LTV, and loan size.
| Loan Type | Interest Rate | APR | Trend | |
|---|---|---|---|---|
| 30-Year Fixed | 6.125% | 6.284% | Falling | Get my rate → |
| 15-Year Fixed | 5.375% | 5.541% | Falling | Get my rate → |
| FHA 30-Year | 5.875% | 6.712% | Flat | Get my rate → |
| VA 30-Year | 5.750% | 5.982% | Falling | Get my rate → |
| Jumbo 30-Year | 6.375% | 6.489% | Flat | Get my rate → |
| 7/6 ARM | 5.990% | 6.844% | Falling | Get my rate → |
Sample rates for well-qualified borrowers, primary residence, single-family, 20% down. APR includes typical lender fees. Rates and terms subject to change without notice.
How It Works
A smarter mortgage experience
Three simple steps to the lowest interest rate you qualify for — no phone tag with a dozen lenders.
- 01
Tell us about your loan
Answer a few quick questions about the home, loan amount, and credit — 60 seconds, no SSN required.
- 02
We shop 20+ lenders
Our InterestSmart Monitor compares live wholesale rates and matches you with the lender offering the lowest rate you qualify for.
- 03
Lock your lowest rate
Review your side-by-side quotes with a licensed loan officer, then lock and close — often in as little as 21 days.
Loan Programs
Every loan program, one marketplace
Compare rates and terms across the full spectrum of home financing — with a licensed loan officer to guide you.
Conventional
Competitive rates and flexible terms for qualified borrowers.
From 6.125%FHA / VA / USDA
Low-down-payment, government-backed loans with relaxed credit.
From 5.750%Refinance
Lower your rate, drop PMI, or tap equity with a cash-out refi.
Save $2,847 avgJumbo
Financing above conforming limits for high-value properties.
From 6.375%Down Payment Assistance
Grants and second-lien programs for first-time buyers.
$0 down optionsInvestment Property
DSCR and conventional loans for rentals and portfolios.
1–10 unitsSecond Mortgage / HELOC
Tap home equity without touching your first-lien rate.
Up to 90% CLTVConstruction & Hard Money
Fast, asset-based lending for builds and bridge situations.
Close in daysWhy Interest Smart
Built for borrowers, not lenders
Mortgage professionals since 2001. Backed by technology that works for you — not the lender.
No credit impact
Soft-pull rate quotes only. Nothing shows on your report.
Licensed & regulated
NMLS #1157416. Equal Housing Opportunity lender.
No junk fees
We negotiate lender credits — most closings have $0 lender fees.
Real humans, fast
Licensed loan officer response within one business hour.
We keep shopping — even after you close.
Our proprietary rate-monitoring engine keeps watching the market for you. If a lower rate becomes available that could save you real money, we alert you automatically.
Daily scans across 20+ wholesale lenders
Rate-drop alerts sent the moment you qualify
Personalized savings analysis with every quote
Average savings over loan life *
Trusted by Homeowners
Real people. Real results.
"Interest Smart beat my bank's rate by 0.625%. That's over $58,000 saved across the loan. The comparison took less than two minutes."
Sarah Johnson
Orange County, CA
Built by mortgage pros, powered by technology.
Founded in 2014 by Jared Hart — a mortgage professional since 2001 — Interest Smart was built to fix what's broken about shopping for a home loan: opaque pricing, endless phone tag, and lenders who compete for the loan officer, not the borrower.
Our marketplace inverts the model. Lenders compete for you, and our technology makes sure you see the winner.
Coverage
Licensed in 13 states
Compare rates and close on a home loan anywhere we're licensed.
FAQ
Mortgage marketplace FAQ
Answers to the questions borrowers ask most.
Ready to see your lowest rate?
Compare live quotes from 20+ lenders in 60 seconds. Free, no obligation, no impact to your credit score.
Contact
Talk to a licensed loan officer
Prefer a human? Call, email, or visit our Laguna Hills office.
Office
23172 Plaza Pointe Dr, Ste 155/185
Laguna Hills, CA 92653
Phone
(800) 451-8810
(949) 407-6217
info@interestsmartloans.com