About Ratespedia

Start with an informed mortgage decision

Ratespedia LLC is a mortgage brokerage, company NMLS #2796610. The public site provides mortgage guides and calculators to help you compare purchase, refinance, and home-equity options.

How the public site works

Use calculators without creating an account. Rates and examples are inputs or illustrations, not real-time lender offers. The consumer site does not provide public account registration, saved calculations, or rate alerts.

A quote inquiry gives the team or participating financing providers information to follow up under the consent shown at submission. A request does not guarantee approval, a particular rate, or a rate lock. Compare written Loan Estimates and ask about compensation, fees, and conditions before proceeding.

People and editorial responsibility

Chad Harter is Ratespedia's CEO and the named author of its mortgage guides. Read the editorial policy for source citations, update dates, example assumptions, and review responsibility. Company licensing is distinct from an individual author credential.

Commercial relationships and privacy

Ratespedia works with financing and business partners. Comparisons do not cover every provider. Ask for the fee and compensation disclosures for your transaction. Read the privacy policy and partner disclosure before submitting information.

Business partner accounts and tools are separate from the public consumer resources. Visit business partnerships for that service, or contact the team with a question or correction.

Educational estimates are not loan offers or approval decisions. Ratespedia LLC, company NMLS #2796610. Check service availability and licensing.