Your Rate in
Minutes
Our Quick Quote tool scans 200+ lenders in real time and delivers personalized mortgage rate estimates — free, with no credit check and zero obligation.
Last updated: March 2026
10 Simple Steps to
Your Rate Quote
Our Quick Quote form walks you through a simple 10-step questionnaire. No financial jargon, no confusing fields — just straightforward questions that help us match you with the best rates available.
Loan Purpose
Tell us what you are looking to do — purchase a new home, refinance your existing mortgage, or cash out equity. Each purpose has different rate structures and available programs.
Property Type
Select whether the property is a single-family home, condo, townhome, or multi-family unit. Rates and programs vary by property type.
Property Use
Will this be your primary residence, a second home, or an investment property? Occupancy type significantly impacts rates and down payment requirements.
Purchase Price or Home Value
Enter the purchase price of the home you are buying, or the estimated value of your current home if refinancing. This determines the loan amount and available programs.
Down Payment
How much do you plan to put down? Even an estimate helps us narrow down the right loan programs. For refinancing, this step asks about your current loan balance.
Credit Score Range
Select your approximate credit score range. We do not pull your credit — this is a self-reported estimate that helps us identify which programs and rates apply to you.
Employment and Income
A brief overview of your employment type (W-2, self-employed, retired) and approximate annual income. This helps determine your debt-to-income ratio and qualifying power.
Property Location
Enter the ZIP code or city where you are buying. Rates and programs vary by state and county, and some areas qualify for special programs like USDA loans.
Loan Preferences
Preferred loan term (30-year, 15-year, etc.) and whether you prefer a fixed or adjustable rate. Our system can also recommend the best option based on your profile.
Contact Information
Your name, email, and phone number so we can deliver your personalized rate quote. A member of the Theós Financial team will follow up to answer questions and discuss your options.
What You Will
Receive
After completing the Quick Quote form, our rate engine processes your information against current rates from over 200 lenders. Here is what you get.
Personalized Rate Comparison
See side-by-side rate options from multiple lenders tailored to your specific financial profile. Compare interest rates, APRs, monthly payments, and estimated closing costs.
Monthly Payment Breakdown
A detailed estimate of your monthly payment including principal, interest, property taxes, homeowners insurance, and mortgage insurance (if applicable).
Program Recommendations
Based on your answers, we identify which loan programs are the best fit — FHA, conventional, VA, jumbo, or Non-QM — and explain why each option might work for you.
Personal Follow-Up
A member of the Theós Financial team will reach out to review your quote, answer questions, and discuss next steps. No pressure, no hard sell — just honest guidance from licensed professionals.
Quick Quote
FAQ
Will this affect my credit score?
Absolutely not. The Quick Quote tool does not pull your credit. You self-report your approximate credit score range, and we use that to estimate rates. A hard credit pull only happens when you submit a formal loan application.
Is the Quick Quote the same as pre-approval?
No. A Quick Quote provides estimated rates based on the information you provide. Pre-approval involves verifying your income, assets, and credit, resulting in a formal letter you can present to sellers. The Quick Quote is step one; pre-approval is step two.
How accurate are the rates?
Very accurate, assuming your self-reported information matches your actual financial profile. Rates change daily based on market conditions, so the rates shown are based on current market pricing. Your actual rate will be confirmed during the formal application process.
Am I obligated to anything?
Zero obligation. The Quick Quote is a free informational tool. You are under no commitment to apply, work with us, or take any action. We believe in earning your business through transparency and service, not pressure.
What happens after I submit?
You will receive your personalized rate comparison immediately. Within one business day, a licensed Theós Financial loan officer will follow up to review your options, answer questions, and — if you are ready — guide you toward the next step.
What information do I need?
Just the basics: your approximate credit score range, estimated purchase price or home value, down payment amount, employment type, and income range. No tax returns, no pay stubs, no documents. It takes most people three to five minutes to complete.
Get Your Rates in
Minutes
No credit check. No obligation. No cost. Just honest mortgage rate estimates from 200+ lenders, delivered instantly.