Quicken Loans also provides a live chat feature, which is convenient if you would rather not talk on the phone.Д« makes it easy to see personalized rates without signing up for an account first. reviewД« doesn't offer FHA or USDA loans, so you'll need to use Quicken Loans for those types of mortgages. You'll want to go with Quicken Loans if you live in New York or New Jersey, though, because Guild Mortgage doesn't operate in those states. Guild also offers more types of mortgages, so you can use it if you need a USDA mortgage, reverse mortgage, or renovation loan. Guild Mortgage is better if you have a low credit score (or none at all), because it accepts alternative credit data like utility bills. Right now, the 30-year and 15-year conforming loan rates on Quicken Loans' website are a little higher than the average rates listed on the Federal Reserve's website.Д¬onforming, jumbo, FHA, VA, USDA, renovation, reverse You'll need to create an account to access customized rates. Unlike with some online lenders, you can't plug in your information (like home value, amount you have for a down payment, or credit score) to see a more personalized rate on the site. You can also sign up for email and text updates about current Quicken Loans mortgage rates. For example, the 30-year rates shown are for $200,000 loan amounts and cover 1.75 points at closing. You can read the assumptions for these rates on the website. It also compares today's rates with rates yesterday and one year ago. It shows you interest rates and APRsВ on 30-year and 15-year fixed conforming mortgages, 30-year VA mortgages, and 30-year FHA mortgages. On the Quicken Loans website, select 'Mortgage Rates'В on its menu. Can't apply with alternative credit data (like utility bills) because you have a low or no credit score.Doesn't have a USDA loan, home equity loan, HELOC, reverse mortgage, or construction loan.Not able to speak with a lender face-to-face.Conventional, FHA, VA, or jumbo mortgage loan options

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