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Trusted Mortgage Lender · NMLS #1974541

Your Path to
Homeownership
Starts Here

LoanTree LLC delivers competitive rates, honest guidance, and a streamlined process — so you can stop renting and start building the life you've worked for.

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98%
Client Satisfaction
14d
Avg. Close Time
Multiple
States Licensed
Today's Rate
30-Year Fixed Conventional
Interest Rate
6.42%
740+ credit · 20% down · Primary residence
Today's Rates Calculators
Loan Products

The Right Loan for
Every Situation

From first-time buyers to seasoned investors, we offer a complete suite of mortgage solutions.

Conventional
The most popular choice for buyers with solid credit. Flexible terms, no upfront mortgage insurance when you put 20% down.
6.42% / 30yr Fixed
  • Down payment as low as 3%
  • Loan amounts up to $806,500
  • No PMI with 20% down
VA Loan
Exclusively for veterans, active duty, and eligible spouses. Zero down, no PMI — one of the most powerful benefits you've earned.
6.01% / 30yr Fixed
  • $0 down payment required
  • No private mortgage insurance
  • Competitive interest rates
FHA Loan
Designed for first-time buyers and those rebuilding credit. Government-backed with lower barriers to homeownership.
6.28% / 30yr Fixed
  • Down payment as low as 3.5%
  • Credit scores from 580+
  • Gift funds allowed
View All Loan Products
Live Rates

Today's Mortgage
Interest Rates

Updated daily. Rates assume 740+ credit score, 20% down, primary residence.

Current Rate Sheet
Updated March 15, 2026
30-Year Fixed
Conventional · Conforming
6.42%
6.58%
APR
Popular
15-Year Fixed
Conventional · Conforming
5.88%
6.04%
APR
Best Rate
30-Year VA
VA · Government Backed
6.01%
6.22%
APR
Best Rate
30-Year FHA
FHA · Government Backed
6.28%
7.10%
APR
Popular
View All Rates Calculators
Why LoanTree

A Lender You Can
Actually Trust

Dedicated Loan Officers
A real person — available by phone, text, or email. Not a chatbot.
In-House Underwriting
No third-party delays. Faster approvals and on-time closings every time.
Radical Transparency
Every fee, every rate, every option explained in plain English.
Licensed in Multiple States
Whether you're buying locally or relocating, LoanTree has you covered.
LoanTree by the Numbers
98%
On-Time Closing
14d
Avg. Days to Close
4.9★
Google Rating
Multiple
States Licensed
Learn More About Us
Client Reviews

What Our Clients
Are Saying

★★★★★
We were first-time buyers and honestly had no idea where to start. Kaushik and his team walked us through every step — pre-approval, rate lock, escrow, everything. We closed in under 30 days and the whole process was way smoother than we expected.
RN
Ramesh & Nithya S.
First-Time Buyers · Folsom, CA
★★★★★
I run my own consulting business and my income is all over the place. Two banks flat out said no. LoanTree got me approved through their bank statement program in about three weeks. No runaround, no surprises on closing day.
VP
Vikram P.
Self-Employed · Fresno, CA
★★★★★
After I got out of the Marine Corps I kept putting off using my VA benefit because it seemed complicated. LoanTree made it simple — zero down, no PMI, and they handled all the VA paperwork. Wish I'd called them sooner.
JS
James S., USMC (Ret.)
VA Loan · San Diego, CA

Ready to Get the Keys
to Your Dream Home?

Pre-qualification takes less than 10 minutes and won't affect your credit score. Start today — your future home is waiting.

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LoanTree LLC · NMLS #1974541 · Equal Housing Lender · Licensed in Multiple States