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Today's rates

The only rate that matters is yours.

Advertised rates are built for someone else. Your real rate depends on your credit, your home, your down payment, and your loan. As a broker, Erlis shops dozens of lenders on the same day to find the best one for your exact situation.

Free, with no impact to your credit.

What moves your rate

Five things that decide your number.

Your credit

Stronger credit unlocks better pricing. We tell you exactly where you stand.

Down payment / equity

More skin in the game usually means a lower rate.

Loan type & term

Fixed vs adjustable, 15 vs 30 year, each prices differently.

The property

Primary home, second home, or investment all price differently.

The lender

This is our edge. We put dozens of lenders in competition for your loan.

The day

Rates move daily with the market. We time it and lock when it's right.

Southwest Florida home

Get your real rate in about 2 minutes.

No guessing off a billboard. Erlis runs your exact numbers and shows you the options side by side.

See what you qualify for →