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      July 14, 2020

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LendingTree vs Rate Marketplace

Best Mortgage Refinance Companies

To help you find the Best Mortgage Refinance Programs, provides you with an in-depth comparison of LendingTree and Rate Marketplace.

To see ALL of our reviews for the Best Mortgage Refinance Programs, please Click Here

When is it a good time to refinance your mortgage? If your existing mortgage rate is higher than the current rate for your credit score and mortgage type, you need to explore it. Would you like to lower your mortgage payment to make your house more affordable? Are you considering updates to a kitchen or a bathroom, and want to get some extra cash to afford them?

Before you stop off at the local bank to discuss home refinancing you should consider comparing refinance options online. Just visiting your local bank won't give you your best rate, which means you'll pay more. Refinancing your home through an online mortgage refinance company lets you quickly find the best rate given your credit worthiness, loan size and type.

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Rate Marketplace


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Rate Marketplace is a California based company that started in 2013. They work to match refinance, car insurance, home mortgage seekers and more with actual lenders and insurance companies. They currently hold an A- Better Business Bureau rating.

We immediately noticed that the company is not very transparent in the lender networks they partner with. Much of the information we found about the company is related to finding more lenders, their primary source of income, rather than providing the who, when and where to the mortgage refinance customer.

The website is pretty basic and, despite some information about refinancing, including a handful of mortgage articles, we found almost no helpful information. The company asks that you dive into completing their quick online form to get started. They promise that up to 5 different lenders will contact you individually to discuss loan options.

Inquiry Process:

  • You complete online request with credit type, property type, home value, mortgage balances, income, contact details and more
  • A loan expert from a partner company calls to discuss loan options
  • You choose a loan from those described to you

We liked that Rate Marketplace doesn't require our social security number to send our information on to a lender but we couldn't help but wonder who was going to contact us and when. Outside of the anticipated phone calls, we also received a list of 6 mortgage lender websites to visit. We noticed that many of the companies listed were also referral sites and weren't sure why we had to go through the effort of completing a questionnaire if we weren't going to be directed to actual lenders. As with some other refinance lead generation companies we found that Rate Marketplace was ultimately a waste of time.

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The best refinance companies allow several banks to compete for your loan, in order to provide you the lowest mortgage payment. They save you the hassle of calling several banks and lending institutions, and completing multiple refinance applications.

But not all online mortgage refinance brokers are the same. Before you start your search you should consider the following:

  • Number of Lenders.  How many banks and lenders does the company work with to find you the best rate? The larger the number, the more likely you'll receive the best rate.
  • Application process.  What is the process of gathering the information needed to begin the mortgage search?
  • Timeliness.  Are you going to have to wait for a call to discuss all of the necessary details, or will the online application expedite the process and provide you the details you're looking for? has reviewed and ranked the best online mortgage refinance providers available today. We hope these reviews help you as you decide to refinance your mortgage!

Is it time to refinance your mortgage?

With mortgage rates at an all-time low, refinancing is a hot topic for homeowners, as a refinance could potentially lower the interest rate on your mortgage and save you money in the long term. But ...

Published:  Mon, 13 Jul 2020 06:57:00 GMT

Refinancing your mortgage could put cash in your pocket - here's how to find out if it's right for you

Low rates have many Americans looking to refinance, yet several factors should be taken into consideration before you sign on the dotted line.

Published:  Wed, 08 Jul 2020 12:19:00 GMT

Refinance your mortgage before record low rates disappear

Housing volatility could impact rates later this year. Here's why refinancing your mortgage now could be a smart money move.

Published:  Wed, 08 Jul 2020 05:42:00 GMT

Current Refinance Rates, July 13, 2020 | Rates tick lower

Several closely watched mortgage refinance rates slid lower today. Average rates nationwide for 30-year fixed and 15-year fixed refinances both receded. Meanwhile, the average rate on 10-year fixed ...

Published:  Mon, 13 Jul 2020 04:32:59 GMT

Is Your Mortgage Forbearance Ending Soon? What To Do Next

Mortgage forbearance has offered temporary relief for struggling homeowners. But with many of these programs expiring soon, what are their options now?

Published:  Mon, 13 Jul 2020 04:28:00 GMT

3 Things That May Prevent You From Refinancing a Mortgage

Refinancing a mortgage can save you money in the long run, but it's not always easy. Here's how to avoid common problems with refinancing a mortgage.

Published:  Sat, 04 Jul 2020 03:02:00 GMT

4 must-dos when refinancing into a record-low mortgage rate

If you're a homeowner with an existing mortgage, you might want to consider refinancing - even if your current loan is only a year old. More than 16 million mortgage holders are ripe for a refi, ...

Published:  Fri, 10 Jul 2020 22:18:00 GMT

Why you should refinance student loans now, according to a financial expert

Thanks to the Federal Reserve's decision to cut interest rates, the timing could be right to consider refinancing debt. While you may be wondering if you can get a better deal on your mortgage, credit ...

Published:  Mon, 13 Jul 2020 05:44:00 GMT

U.S. mortgage rates again plummet to all-time record low

The 30-year fixed mortgage rate averaged 3.03 percent for the week ending July 9 - down from a rate of 3.07 percent last week.

Published:  Mon, 13 Jul 2020 02:10:00 GMT

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