Shop smarter.
Save thousands.
Most homebuyers accept the first rate they're offered. RateNinja helps you understand what a good rate looks like, compare your options, and negotiate with confidence.
Saves $12,400 vs. last best quote
United CU
6.625%
Rocket
6.875%
Wells Fargo
6.99%
Mortgage shopping is broken
The system is designed to confuse you and profit from your data.
Most people don't shop
Over half of borrowers only get one quote. That single decision can cost thousands over the life of your loan.[1]
Comparison is confusing
Rate vs. APR. Points vs. no points. Closing costs buried in fine print. It's designed to overwhelm you.
You're negotiating blind
Without multiple quotes, you have no leverage. Lenders know this—and price accordingly.
We flip the model
We work for you, not lenders. That changes everything.
- Contact lenders before knowing what's fair
- No idea if a rate is good or bad
- Accept the first offer out of exhaustion
- Feel pressured to decide quickly
- Leave thousands on the table
- Understand rates before you talk to lenders
- Know what "good" looks like for your situation
- Walk into every conversation with leverage
- Get coached through the entire process
- Shop on your timeline, not theirs
"Know before you go." Understand the market, then negotiate from strength.
From confused to confident
Three simple steps to finding your best rate
Upload your quotes
Snap a photo, upload a PDF, or paste text. Our AI extracts every detail—rate, APR, points, closing costs, lock period.
See the real comparison
Instantly see which quote actually saves you money over time. No more spreadsheets. No more guesswork.
Get coached on next steps
Learn exactly what to say when you call Lender A and ask them to beat Lender B's offer.
Your secret weapon: leverage
Banks expect you to take the first offer. They don't expect you to come back with competing quotes and ask them to do better.
- Side-by-side quote comparison you can screenshot and share
- "Beat this rate" talking points for each lender
- Personalized coaching on which quotes give you leverage
Be the first to negotiate like a pro
Join the waitlist for early access to personalized negotiation scripts and coaching.
Negotiation Script
Say this to Chase:
"I received a quote from United Credit Union at 6.625% with $6,200 in closing costs. Can you match or beat that rate?"
Why this works:
United CU's lower APR (6.750% vs Chase's 6.920%) signals fewer hidden fees. Chase may reduce their rate or waive fees to compete.
Before
Dense PDF jargon
After
Crystal clear
Stop squinting at PDFs
Loan estimates are dense, jargon-filled documents designed by lawyers. Our AI reads them so you don't have to.
- Extracts rate, APR, points, closing costs, lock period automatically
- Flags discrepancies or missing information
- Normalizes different lender formats into apples-to-apples comparison
Know exactly what to do next
Rate shopping isn't just about collecting quotes. It's about timing, leverage, and knowing when to lock.
Lock Expiring Soon
Your United CU quote has the lowest APR but expires in 5 days. Consider locking or using it to negotiate.
Review Quote →Points Analysis
Rocket's rate looks lower, but $1,600 in points means you'd need to hold the loan 4+ years to break even.
See Breakdown →Diversify Your Quotes
You have 3 quotes from big banks. Consider adding a local credit union—they often have lower fees.
Find Credit Unions →Your coach. Your advocate. Your corner.
Built for first-timers
Not sure where to start? We guide you through getting quotes and understanding what you're looking at.
Truly independent
We don't get paid by lenders. Our only job is helping you find and negotiate the best deal.
Confidence through knowledge
Walk into every lender conversation knowing exactly what a competitive rate looks like.
Simple pricing. Serious savings.
Launching soon—join the waitlist for early access pricing.
Cancel anytime
- Unlimited quote uploads
- AI-powered extraction
- Personalized coaching
- Rate lock expiration alerts
- Negotiation scripts & talking points
- "What good looks like" benchmarks
Be first to know when we launch
The right rate can save you tens of thousands over the life of your loan.[2]
$49 / 3 months is a small price for peace of mind.
Questions? We've got answers.
I'm a first-time buyer. Is this too advanced for me?
How is this different from Bankrate or LendingTree?
What if I only have one quote so far?
How does the AI extraction work?
Can I use this if I already have a lender in mind?
What if I'm refinancing vs. purchasing?
Ready to shop smarter?
Be the first to know when RateNinja launches and get early access to features that help you save thousands.
Join the WaitlistNo spam. Just a heads up when we're ready.