Estimate your rate, then invite any lender to quote

Building your application here isn't applying for a loan. Share it with the lenders you choose, anonymously until you're ready to connect. No Social Security number and no credit check.

1. Estimate my rate (done)
2. Invite any lender to quote
3. Finish your Universal Application

2. Invite any lender to quote

Safe Rate's numbers are estimates. A quote comes from a lender: send your application to the lenders in your list, or invite any lender or loan officer by email. You choose what each one sees on the next page, anonymous first.

Find lenders near you

3. Finish your Universal Application

Add your income, savings and debts so lenders can tell you what you can borrow. You choose what each lender sees.

Your estimate

Estimated principal & interest

$1,041 /month

7.579% estimated rate · 7.846% APR · 30-year fixed Conventional

Add the home's address, or your own numbers below, to see your total monthly cost with taxes and insurance.

Your monthly payment, line by line
Principal & interest30-year fixed, at the estimated rate	$1,041
Mortgage insuranceUsually needed with less than 20% down	$37
Property taxesAdd the address for an estimate, or enter your own	Needs the address
Homeowners insuranceAdd the address for an estimate, or enter your own	Needs the address
Flood insuranceAdd the address for an estimate, or enter your own	Needs the address
HOA duesNot given: counted as $0	$0

In 5 years

Total you'd pay: $64,654
Principal you'd pay off: $7,846

What you'd pay in the first 5 years: principal, interest and mortgage insurance. Excludes taxes, insurance and closing costs.

Compare loan types

Have you or your spouse served in the US military? VA loans are only for service members, veterans and some spouses.

Is the home in a USDA-eligible area?

USDA loans can cover the whole price, for homes in eligible rural and suburban areas. This ZIP is mostly rural, so it may qualify.

Check the address on USDA's map

Credit score 760 or higher: priced at 780.
Borrowing $147,785 in Abbeville, AL.

Rates as of October 20, 2026. These are estimates from wholesale rate sheets to help you plan, not quotes or loan offers. Quotes come from the lenders you choose.

Anonymous until you connect