Mortgage rate intelligence
Know where rates are going before you lock.
Daily rate forecasts with confidence scores, professional calculators, and a loan officer who uses both. For buyers, homeowners, realtors and financial pros.
30-yr fixed conforming
Sample data6.316%
-1.1 bps vs prior day
Tomorrow
Lean float
3 days
Safe to wait
Buyers & homeowners
Know what you can afford, when to lock, and whether a refinance really pays — before you talk to anyone.
Check affordabilityRealtors
Share branded payment scenarios, structure seller credits as buydowns, and keep clients calm with a daily rate read.
Realtor toolkitFinancial professionals
5- and 30-day forecasts with basis-point ranges, driver attribution, SMS lock alerts and API access.
Explore Genius ProCalculators
Loan-officer math, open to everyone.
Loan programs
Purchase and refinance, residential to commercial.
Conventional
Fannie Mae & Freddie Mac loans for purchase and refinance
FHA
Flexible credit and 3.5% down, purchase and streamline refinance
VA
0% down for veterans, service members and eligible spouses
Jumbo
Loan amounts above the conforming limit — purchase and refinance
1031 Exchange Financing
Replacement-property financing on the exchange clock
Physician Loans
Low or no down payment for doctors, without PMI
Commercial
DSCR, multifamily, bridge and SBA — all 50 states
Insights
Plain-English market & strategy notes.
How to read the Genius Rate Outlook
What the forecast, the confidence score, and the lock-or-float signal actually mean — and how to use them without overreacting.
StrategyTemporary buydowns: 2-1 vs 1-0, and when a seller credit works harder
How temporary buydowns are priced, who pays for them, and how they compare with a permanent buydown or a price reduction.
InvestorsFinancing a 1031 exchange: the timeline lenders need to know
The 45-day and 180-day clocks, how to line up replacement-property financing early, and DSCR versus conventional options.
Ready when the numbers are.
Talk with Ravi about your scenario, or start your application online.