This is the trick your lender does not want you to know.

The fact is: There is no single cheapest lender. Each lender determines its rates and discounts on unique aspects. Some see your credit as the most important factor -- while others see your home value and its location as a primary factor in calculating your rate. Each lender gives unique rates to every person. To know which lender will save you the most, you must compare rates from our vast network of lenders. Compare VA-licensed lenders below.

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What is the value of your home or property? - Select One - Below 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,001 - 1,100,000 1,100,001 - 1,200,000 1,200,001 - 1,300,000 1,300,001 - 1,400,000 1,400,001 - 1,500,000 1,500,001 - 1,600,000 1,600,001 - 1,700,000 1,700,001 - 1,800,000 1,800,001 - 1,900,000 1,900,001 - 2,000,000 Over 2,000,000   OK to estimate

What is your total mortgage balance? - Select One - Below 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 420,000 420,001 - 440,000 440,001 - 460,000 460,001 - 480,000 480,001 - 500,000 500,001 - 520,000 520,001 - 540,000 540,001 - 560,000 560,001 - 580,000 580,001 - 600,000 600,001 - 620,000 620,001 - 640,000 640,001 - 660,000 660,001 - 680,000 680,001 - 700,000 700,001 - 720,000 720,001 - 740,000 740,001 - 760,000 760,001 - 780,000 780,001 - 800,000 800,001 - 820,000 820,001 - 840,000 840,001 - 860,000 860,001 - 880,000 880,001 - 900,000 900,001 - 920,000 920,001 - 940,000 940,001 - 960,000 960,001 - 980,000 980,001 - 1,000,000 1,000,001 - 1,100,000 1,100,001 - 1,200,000 1,200,001 - 1,300,000 1,300,001 - 1,400,000 1,400,001 - 1,500,000 1,500,001 - 1,600,000 1,600,001 - 1,700,000 Over 1,700,000   OK to estimate

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Type of property Single Family (House) Multi-Family Condominium Townhouse

Is your current loan FHA? - Select One - Yes No Not Sure

Have you ever had a bankruptcy? - Select One - Never/Not in last 7 years 5-7 years ago 3-4 years ago 1-2 years ago Less than 12 months ago Currently in bankruptcy

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Important: Free quotes limited to first 100 people only. No cost. No obligation quotes. Information is used to calculate your exact rates.

   

(May 26, 2013) - There is a way to outsmart your lender -- and cut your payments by up to $200 per month.

According to a report from KXLY news station, refinancing and saving $200 per month is not a difficult amount to save.

In fact, as of May 31 2012, 30 year fixed mortgage rates have dropped about 0.9% over last year. This drop, in just one year, could translate to $1,200 in yearly savings, assuming a $200,000 loan.

Many lenders have different factors to base their rates on. For example, any lender may give you a better mortgage rate depending on the following:

1. The balance left on your mortgage
2. Your credit scores and report
3. They area that your house resides
4. The amount you've paid so far

The fact is: lenders give different rates depending on your situation. It's very unlikely for one lender to always give the best rate to everyone.

Now, how do you know exactly which lender will give you the best rate and discounts you need?

There's a way to find them. It's by comparing all of their rates instantly.

That’s why our lender comparison has become so popular. You simply take 20 seconds to tell the website about your home's balance and some history and then you'll get free rates from multiple lenders that are licensed in your state. This way, you can pick the plan and rate that best fits you. In this case, those $200 or so savings are actually possible. Enter your zipcode, home value, loan amount, and approximate credit rating above, to try it.