Rate · Lender
Rate
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing.
Our take: Pros & Cons
What we like
- The interest rate remains fixed for the 30-year loan term.
- An official online application connects borrowers with a loan officer.
What to consider
- Credit and underwriting approval apply; not all applicants qualify.
- A down payment below 20% will likely require mortgage insurance.
- National-average trend data is not available Rate pricing; a current lender quote is required.
AI-generated lender-level assessment based on published information. Not a verified assessment of 30-year conventional mortgage; confirm program-specific conditions below.
Newcomer requirements
30-year conventional mortgage
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum down payment
- Down payment of 3% of purchase price
- Income documentation
- In most cases, you’ll need to provide income verification, tax returns, asset statements and personal identification.
View full lender requirements
- Minimum down payment
- Down payment of 3% of purchase price
- Income documentation
- In most cases, you’ll need to provide income verification, tax returns, asset statements and personal identification.
- Other conditions
- Debt-to-income(DTI) ratio under 43%
Questions to confirm with the lender (14)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
30-year conventional mortgage
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
30-year conventional mortgage
- In most cases, you’ll need to provide income verification, tax returns, asset statements and personal identification.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Rate offers a 30-year fixed conventional mortgage with stated 3% down payment and debt-to-income guidelines. Applications are subject to credit and underwriting approval; current borrower-specific pricing requires a quote.
Legal lender: Guaranteed Rate, Inc.
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 2611
More lender directory information
Direct application information ↗
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing.
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Nov 4, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.