Apply for the Lowest Rates!
Rates as Low as 4.99%
Apply ONCE and get the Lowest available rate from 40 different lenders!
86,574
Customers Helped
$3 Billion+
Closed
Rate above is for 15yr fixed conventional loan amount, 720 fico, purchase, 60 LTV
Want the Lowest Rate? We've Got You Covered
Low Rate Co prices your loan across 40+ wholesale lenders in real time, ensuring you get the best available rate and instant approval. Apply once and let our Low Rate Co's AI-driven technology get you the lowest rate.
Apply Once,
We Shop 40+ Lenders Instantly
Stop wasting time with multiple applications. Submit your information just once, and our powerful platform does the rest. We connect with over 40 wholesale lenders simultaneously, comparing rates, terms, and approval requirements in seconds. This means you'll see competitive offers you might never find on your own, all without the hassle of managing multiple applications or hard credit pulls.
One Application
Fill out a single, simple form.
40+ Lenders
Instant wholesale lender comparison
Real-Time Results
Get your best rate in minutes
How LowRate Co Works for You
Submit your application
Complete our quick online form with your basic information and HELOC requirements. Takes just minutes to get started.
We Shop 40+ Lenders
Our AI-powered platform instantly compares your profile across our network of wholesale lenders in real time.
Review Your Best Options
Receive personalized rate quotes and loan terms tailored to your financial situation, all in one place.
Choose & Close Fast
Select your preferred offer and let our expert team guide you through a smooth, efficient closing process.
AI-Driven Processing for Faster, Smoother Approvals
Our cutting-edge AI technology revolutionizes the HELOC application process. Intelligent document collection, automated verification, and smart matching algorithms work together to accelerate your approval while maintaining the highest standards of accuracy.
Intelligent Document Collection
AI automatically identifies and requests only the necessary documents, eliminating back-and-forth delays and reducing processing time by up to 70%.
40+ Lenders
Advanced algorithms instantly verify your information across multiple databases, catching errors early and ensuring faster, more accurate approvals.
Smart Lender Matching
Our AI analyzes your unique profile and matches you with lenders most likely to approve your application at the best rates available.
Our promise: Your Best Rate Guaranteed
We stand behind our service with a simple guarantee: if you find a lower rate elsewhere with the same terms and qualifications, we'll match it or help you get it. No hidden fees or surprise costs; just honest, upfront pricing.
Start Application now. It takes only 3 minutes!
Ready to unlock your home's equity with rates as low as 6.99%? The application takes just minutes, and you'll have preliminary results almost instantly. No commitment required4just see what's possible.
Start Application Now