The Best Mortgage Rate

A different kind of mortgage company

Most mortgage lenders focus their efforts on making every possible mortgage program available to their borrowers. Those lenders work hard to support as many different loan options as possible. The problem is that all those loan options create a high level of complexity. That complexity leads to higher costs, and those costs ultimately result in higher interest rates for their borrowers. Rosie hates complexity.

We do things a little differently. Rosie the RateHero focuses our efforts on offering only the most common and frequently requested mortgage loans—15- and 30-year fixed rate mortgage loans. By narrowing our focus to just those loan programs, Rosie has been able to drastically simplify our business. That means reduced costs and offering better interest rate for you.

We run our business like you run your business

Keep it simple. Our business model is built around saving money so we can offer you the lowest interest rate possible. We don’t sponsor sports teams, and you won’t find Rosie flying through a sports arena. We don't pay our staff expensive sales commissions, and we don’t own a corporate jet (although we’ve heard Rosie offers free rides to the company’s best RateHero!). We keep a close eye on expenses. That saves money. Since our costs are lower, we can offer you a lower interest rate.

With the safety of a bank behind us

The Best Mortgage Rate is the online mortgage division of Home State Bank. As a 100+ year old community bank, we understand the importance of customer trust and service. What’s more, the mortgage application process is regulated by the government, which means the process, regardless of what you pay for it, is the same across the board. Why would you pay more for the same end product? Rosie the RateHero offers great service with the same approval process as those expensive competitors.