Mortgage rates without the spam.
Compare estimated rates, payments, and closing costs before you apply. No spam. No harassment. You stay in control.
Find mortgage options for your scenario.
No contact information required.
Industry recognition and trusted financial platforms





Responsive, professional guidance with a smooth, stress-free process.
Borrowers consistently highlight clear communication, knowledgeable support, and a team that keeps the mortgage process moving from first question to closing.
Rated 4.9 out of 5 across 145 Google reviews, including 142 five-star experiences.
Five-star borrower stories
A selection from 142 five-star Google reviews.
“Alex Reinig is a great person to work with. He explained everything in detail and the best options available for me. Alex made my loan application and process go smoothly - he was in contact with underwriter at all times - keeping me informed on the process It was a pleasure to work with Alex.”
“I had an outstanding experience working with Alex from Red Tree Mortgage! From the very beginning, he was knowledgeable, professional, and always willing to answer my questions. They kept me informed every step of the way, explained everything clearly, and made what could have been a stressful process feel smooth and manageable…”
“Scott Carlin was absolutely the best to work with. My boyfriend and I were first time home buyers and we were referred to contact Scott. From the initial phone call we knew he was the best. Scott was quick to respond to any and all questions we had and he did not stop until we got to close on our house…”
“Scott Carlin was the best loan officer I’ve worked with. He was always responsive and worked tirelessly on getting me the best rate possible. The only time that I wasted was shopping other lenders. Thanks again Scott!”
“Nadeem is wonderful to work with! He explained a lot of complex topics in an easy way for a first time homebuyer, and kept me on track for important dates. He is very knowledgeable and I would highly recommend using him and Red Tree Mortgage. Thank you for getting us to the finish line, Nadeem!!!”
“I worked with Scott Carlin and he was fantastic. I've closed and refinanced several homes and never met a loan officer who worked harder to help us manage our complex situation and get the deal across the line…”
“Nadeem went above and beyond to get my mortgage closed on the day that it needed to be. He was on top of everything every step of the way, Highly recommend him due to his professionalism and responsiveness through the entire mortgage process”
“Alex and Vega were so great to work with! As a first time home buyer I had many questions and they smoothly walked me through the process while answering my questions. I had a great experience with them and highly recommended Red Tree Mortgage!”
A simpler path from estimate to application.
Start with a few details, review your estimated rates, payments, and closing costs, then move into the application when you are ready. A mortgage analyst is available along the way if you want help reviewing the numbers or understanding your next step.
- Step 1Answer a few questions
Tell us about your loan goal, property location, estimated credit range, and basic home details.
- Step 2See your estimate dashboard
Review estimated rates, monthly payments, closing costs, and cash-to-close details in one simple place.
- Step 3Start your application
When the numbers look right, continue into the mortgage application without starting over.
- Step 4Get guidance when you need it
A mortgage analyst can help before or after you apply, explain your options, answer questions, and help keep the loan moving toward closing.
Guidance when you are ready.
Our mortgage analysts help you understand the numbers, compare loan paths, review closing costs, and choose the option that makes the most sense for your situation.
- Review purchase, refinance, and home equity scenarios
- Compare payment and cash-to-close options
- Explain rate and fee tradeoffs in plain English
- Help prepare your file when you are ready to apply
Everything you need to compare mortgage options clearly.
OnlyRates gives you a simple view of estimated rates, payments, and closing costs so you can compare your options before starting a full application. Focused tools that help you understand the numbers, on your timeline.
No pressure. Just clear mortgage numbers.
OnlyRates helps you compare options before you commit. Estimates are based on the information you provide and are designed to help you understand your possible monthly payment, cash to close, and loan path.
Clear estimates
Simple views of your estimated payment, rate options, and closing costs.
Borrower-controlled contact
Text or email.
Loan analyst support
Loan analyst help to explain the numbers and next best step.
Pre-application results are estimates based on information provided and are not a formal Loan Estimate, loan approval, or commitment to lend. A formal Loan Estimate is provided after a mortgage application is submitted with the required information.
Currently supporting borrowers in 11 states.
OnlyRates is currently focused on helping borrowers compare mortgage estimates in select states, with more availability planned over time.
Review the numbers first. Apply when you are ready.
Understand your payment, rate options, and estimated closing costs in one place. OnlyRates helps you move forward with confidence, not pressure.
