Comparing Rates

Outpacing Bigger Banks, Get A Lower Rate With RANLife!


Compare Mortgage Rates

30 Year Fixed Term Rate APR Points
RANLife 3.500 3.808 2.00 Points
Citimortgage 3.875 4.089 1.125 Points
Wells Fargo 3.750 3.845 0.125 Points
Bank Of America 3.625 3.824 0.843 Points

Although the information has been obtained from various institutions online websites, the accuracy cannot be guaranteed. All information is updated at the time RANLife rates are updated.

Updated January 2,2020.

What are points and credits? Points are fees that lenders are charging for rate shown. Credits are monies that are given to you from the lender to pay for other closing costs associated with the loan. The higher the rate the more credit you will be given. The lower the rate the more points you will be charged for the lower rate. Par is considered close to zero points or credits. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on the APR, but instead on the interest rate on your note.


RANLife Home Loans offers you not only low rates and great service, but we offer a lifetime of benefits that can save you time, energy and money

  • Customer for Life Benefits: Saves you money in closing costs over the life of your loan.
  • The Ultimate Time Saver: As your credit gets better you will not only save money on future lending, but you will save yourself time. Time to do the things you want to do
  • Find out your Freedom Date: Get specific data and charts on how you can pay your debt off faster, what debts to pay off first, and find out your Freedom Date.
  • Get on the Fast Track: We close mortgage loans faster than most banks and brokers. Move into your home faster. Refinance your home faster. A worry and stress free home loan solution.
  • Financial Analysis: Find out which mortgage programs you are approved for and which mortgage programs you could be approved for. This will save you even more money.

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"RANLife ROCKS! Until I found RANLife on the internet I had a Washington lender who was no help fro 9 months."