Important Advertising Disclosures

RateThief.com is a marketing and lead-intake website. We are not a lender, bank, or loan servicer. We do not make loans, approve credit, issue commitments, or lock interest rates. Our role is to collect basic information and connect you with one or more independent participating lenders.

Rates, APR, and eligibility

• Any “as low as” rate, APR, or payment shown is an example and may be available only to well-qualified consumers under specific program requirements.
• Not every consumer will qualify, and not every lender in our network offers the same rates, fees, or products.
• You may not be matched with the lender associated with a particular advertised example, and RateThief.com does not guarantee any conditional offer.
• Actual rates, APR, and payments can change after a lender reviews a full application and verifies credit, income, assets, property details, and other eligibility factors.

Payments and costs

• Payment examples may reflect principal and interest only unless stated otherwise.
• Taxes, homeowner’s insurance, mortgage insurance, HOA dues, escrow requirements, and other costs may increase the total monthly payment.
• Points, origination, underwriting, and third-party fees may apply and vary by lender, loan program, state, and closing conditions.

Information sources, accuracy, and third-party links

We attempt to keep information current, but rates and program availability can change frequently. Information displayed on this site may be obtained from participating lenders or other sources and may not be complete or up to the minute. RateThief.com does not endorse or guarantee any participating lender’s offers. This site may include links to third-party websites we do not control; we are not responsible for their content, offers, or changes.

Required lender disclosures & fair lending

If you are contacted by a participating lender and choose to apply, that lender is responsible for providing required disclosures under applicable federal and state laws, including disclosures about the cost of credit and estimated closing costs, and other notices where required. Lenders must also comply with fair lending laws that prohibit discrimination in credit decisions.