Adult homebuyer types on laptop with mortgage interest icons to compare rates and apply online. Digital home loan prequalification, bank offers, affordability checks and fintech workflow.

Find the Right Mortgage Lender — Without the Guesswork

Get matched with top lenders for VA loans, Doctor Loans, and more — all in minutes. Free, fast, and tailored to your profession and goals.

Get Matched With a Lender Explore Loan Options
100% Free to Use
No Credit Impact
Match in Minutes

How It Works

Get matched with the perfect lender in three simple steps — no stress, no hassle, no obligation.

1

Tell Us About You

Quick, secure, no-obligation form. Share your goals, profession, and loan needs in minutes.

2

We Match You

We connect you with vetted lenders that specialize in your unique situation and loan type.

3

Compare & Choose

Review your options and select the lender that works best for you. It's that simple.

Start Your Match Now

No obligation • Takes less than 5 minutes

Loan Programs We Match You With

Whether you're a veteran, doctor, or first-time buyer, we connect you with lenders who specialize in your needs.

VA Loans

Designed for veterans and active-duty service members with no down payment and competitive rates.

  • 0% down payment options
  • No private mortgage insurance
  • Lower interest rates

Professional Loans

Low or no down payment options for physicians, dentists, and medical professionals.

  • As low as 0% down
  • No PMI required
  • Student loan flexibility

FHA Loans

Flexible credit and low down payment options ideal for first-time home buyers.

  • As low as 3.5% down
  • Lower credit requirements
  • Seller concessions allowed

Conventional Loans

Competitive rates and flexible terms for qualified buyers with strong credit.

  • Competitive interest rates
  • Flexible loan amounts
  • PMI removal options

Jumbo Loans

Financing for higher-priced homes that exceed conventional loan limits.

  • High-value property financing
  • Competitive jumbo rates
  • Flexible down payments

Refinance Options

Lower your rate, shorten your term, or access your home's equity with refinancing.

  • Rate & term refinancing
  • Cash-out refinancing
  • Streamline options
View All Loan Programs
Real Estate Broker agent's signature on the contract finalized the mortgage agreement, marking a significant investment in the housing property for business purposes. Homework

Why Penny Prime Rate?

We simplify the mortgage process by connecting you with vetted lenders who understand your unique situation — whether you're a veteran, doctor, or first-time buyer.

Free to Use

Our service is completely free. No hidden fees, no surprises — just quality lender matches.

No Impact to Your Credit Score

Getting matched won't affect your credit. Compare lenders risk-free before you commit.

Specialized Lender Matching

We connect you with lenders who specialize in VA loans, Doctor Loans, and your specific needs.

Vetted Lender Network

Every lender in our network is carefully vetted for quality, reliability, and customer service.

Save Time and Avoid Rate Shopping Alone

Skip the endless research. We do the heavy lifting and connect you with the right lenders fast.

Get Started Today

Trust & Transparency

We believe in complete transparency about how our service works and what you can expect.

We're a Referral Service

Penny Prime Rate is not a mortgage lender. We connect consumers with trusted third-party lenders who can best serve your needs.

No Obligation to Move Forward

Getting matched is completely free and creates no obligation. Review your options and decide at your own pace.

Your Information is Secure

We take your privacy seriously. Your information is encrypted, secure, and only shared with lenders you choose to connect with.

Important: Penny Prime Rate is not a mortgage lender and does not provide loans. We connect consumers with third-party lenders who may be able to help with their mortgage needs.

Frequently Asked Questions

Got questions? We've got answers.

Still have questions?

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Take the First Step Toward Your Home

Stop guessing which lender is right for you. Get matched with top mortgage lenders who understand your unique situation in minutes — completely free.

Match Me With a Lender
Takes less than 5 minutes
No credit check
No obligation