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Audit Proven Outstanding Customer Satisfaction. WHY CHOOSE ERATE?
Experience...Service...and The Best Rates
  • ERATE is BBBOnLine Certified and meets all BBBOnLine Reliability participation and Better Business Bureau membership standards and is authorized to display the BBBOnLine Reliability seal.
  • Founders have over 30 years of mortgage lending experience.

  • ERATE has been authorized by both, Fannie Mae and Freddie Mac, to use their online underwriting systems. These proprietary automated underwriting programs aid lenders in getting their loans approved faster.

  • Founding companies in business over seven years. Progressive Capital and LoanWorld.com were in business for seven and ten years respectively. They merged to form ERATE in May of 2000.

  • ERATE's founder was an internet pioneer and the first mortgage broker offering loans via the web!

  • See our company profile at the DRE website www.dre.cahwnet.gov. Review our good record with regulatory agencies.

  • ERATE provides users access to Mortgage Rates that are updated daily through our partnership with Informa Research Services . Click your state to gain access to these rates.


Home Refinance Mortgage
Alabama - 30 year fixed
Alabama - 15 Year Fixed
Alabama 5 Year ARM

Alaska - 30 Year Fixed
Alaska - 15 Year ARM
Alaska 5 Year ARM

Arizona - 30 year fixed
Arizona - 15 Year Fixed
Arizona 5 Year ARM

Arkansas - 30 year fixed
Arkansas - 15 Year Fixed
Arkansas 5 Year ARM

Colorado - 30 year fixed
Colorado - 15 Year Fixed
Colorado 5 Year ARM

Connecticut - 30 year fixed
Connecticut - 15 Year Fixed
Connecticut 5 Year ARM

Delaware - 30 year fixed
Delaware - 15 Year Fixed
Delaware 5 Year ARM

Florida - 30 year fixed
Florida - 15 Year Fixed
Florida 5 Year ARM

Georgia - 30 year fixed
Georgia - 15 Year Fixed
Georgia 5 Year ARM

Hawaii - 30 year fixed
Hawaii - 15 Year Fixed
Hawaii 5 Year ARM

Idaho - 30 year fixed
Idaho - 15 Year Fixed
Idaho 5 Year ARM

Illinois - 30 year fixed
Illinois - 15 Year Fixed
Illinois 5 Year ARM
Indiana - 30 year fixed
Indiana - 15 Year Fixed
Indiana 5 Year ARM

Iowa - 30 year fixed
Iowa - 15 Year Fixed
Iowa 5 Year ARM

Kansas - 30 year fixed
Kansas - 15 Year Fixed
Kansas 5 Year ARM

Kentucky - 30 year fixed
Kentucky - 15 Year Fixed
Kentucky 5 Year ARM

Louisiana - 30 year fixed
Louisiana - 15 Year Fixed
Louisiana 5 Year ARM

Maine - 30 year fixed
Maine - 15 Year Fixed
Maine 5 Year ARM

Maryland - 30 year fixed
Maryland - 15 Year Fixed
Maryland 5 Year ARM

Massachusetts - 30 year fixed
Massachusetts - 15 Year Fixed
Massachusetts 5 Year ARM

Michigan - 30 year fixed
Michigan - 15 Year Fixed
Michigan 5 Year ARM

Mississippi - 30 year fixed
Mississippi - 15 Year Fixed
Mississippi 5 Year ARM

Missouri - 30 year fixed
Missouri - 15 Year Fixed
Missouri 5 Year ARM

Montana - 30 year fixed
Montana - 15 Year Fixed
Montana - 5 Year ARM
Nebraska - 30 year fixed
Nebraska - 15 Year Fixed
Nebraska 5 Year ARM

Nevada - 30 year fixed
Nevada - 15 Year Fixed
Nevada 5 Year ARM

New Hampshire - 30 year fixed
New Hampshire - 15 Year Fixed
New Hampshire 5 Year ARM

New Jersey - 30 year fixed
New Jersey - 15 Year Fixed
New Jersey 5 Year ARM

New York - 30 year fixed
New York - 15 Year Fixed
New York 5 Year ARM

North Carolina - 30 year fixed
North Carolina - 15 Year Fixed
North Carolina 5 Year ARM

North Dakota - 30 year fixed
North Dakota - 15 Year Fixed
North Dakota 5 Year ARM

Ohio - 30 year fixed
Ohio - 15 Year Fixed
Ohio 5 Year ARM

Oklahoma - 30 year fixed
Oklahoma - 15 Year Fixed
Oklahoma 5 Year ARM

Oregon - 30 year fixed
Oregon - 15 Year Fixed
Oregon 5 Year ARM

Pennsylvania - 30 year fixed
Pennsylvania - 15 Year Fixed
Pennsylvania 5 Year ARM

Rhode Island - 30 year fixed
Rhode Island - 15 Year Fixed
Rhode Island 5 Year ARM
South Carolina - 30 year fixed
South Carolina - 15 Year Fixed
South Carolina 5 Year ARM

South Dakota - 30 year fixed
South Dakota - 15 Year Fixed
South Dakota 5 Year ARM

Tennessee - 30 year fixed
Tennessee - 15 Year Fixed
Tennessee 5 Year ARM

Texas - 30 year fixed
Texas - 15 Year Fixed
Texas 5 Year ARM

Utah - 30 year fixed
Utah - 15 Year Fixed
Utah - 3 Year ARM
Utah 5 Year ARM

Vermont - 30 year fixed
Vermont - 15 Year Fixed
Vermont 5 Year ARM

Virginia - 30 year fixed
Virginia - 15 Year Fixed
Virginia 5 Year ARM

Washington - 30 year fixed
Washington - 15 Year Fixed
Washington 5 Year ARM

Washington DC - 30 year fixed
Washington DC - 15 Year Fixed
Washington DC 5 Year ARM

West Virginia - 30 year fixed
West Virginia - 15 Year Fixed
West Virginia 5 Year ARM

Wisconsin - 30 year fixed
Wisconsin - 15 Year Fixed
Wisconsin 5 Year ARM

Wyoming - 30 year fixed
Wyoming - 15 Year Fixed
Wyoming - 5 Year ARM


The First! In 1992, our founding company, LoanWorld, originated the first mortgage over the Internet.
Then in 1994 we created the first online loan application.

 

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ERATE · 2900 Gordon Ave · Santa Clara · CA · 95051
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