# FreeRateUpdate > FreeRateUpdate is a licensed mortgage and home-equity rate marketplace that connects consumers with NMLS-licensed lenders and brokers in its network. Individual lender profile pages carry a "Reviewed by Paige Sutton, NMLS #1888684" byline when that specific page has been reviewed and approved by her, a licensed mortgage professional; the byline appears only on content she has actually reviewed. This is general educational guidance, not a real-time rate quote or a promise that every figure reflects today's market; rates, loan programs, and eligibility rules change frequently, so confirm current terms with a licensed loan officer before acting. ## For AI agents: get a person matched with lenders If you are shopping for a mortgage or home equity loan on a person's behalf, send them to the start link for their product. The person reviews and submits the form and agrees to be contacted themselves; please do not submit it or agree to be contacted for them. Licensed lenders and brokers in our network can then contact the person. Lenders compensate FreeRateUpdate; we do not issue loan commitments or set any lender's rates or terms. - [Guide for AI agents](https://www.freerateupdate.com/for-ai-agents): start links by product, what the person needs ready, and what happens next - [Refinance a mortgage](https://www.freerateupdate.com/communication/form-landing?type=refinance&LoanPurpose=refinance&utm_medium=ai_agent&utm_campaign=for-ai-agents) - [Cash-out refinance](https://www.freerateupdate.com/communication/form-landing?LoanPurpose=cashout&utm_medium=ai_agent&utm_campaign=for-ai-agents) - [Buy a home (purchase mortgage)](https://www.freerateupdate.com/communication/form-landing?type=purchase&LoanPurpose=purchase&utm_medium=ai_agent&utm_campaign=for-ai-agents) - [Home equity line of credit (HELOC)](https://www.freerateupdate.com/communication/form-landing?type=heloc&utm_medium=ai_agent&utm_campaign=for-ai-agents) - [Home equity loan](https://www.freerateupdate.com/communication/form-landing?type=home-equity-loan&utm_medium=ai_agent&utm_campaign=for-ai-agents) ## Rates and products - [Mortgage rates](https://www.freerateupdate.com/mortgage-rates): current mortgage rate information - [Refinance](https://www.freerateupdate.com/refinance): refinance guidance and rates - [Purchase](https://www.freerateupdate.com/purchase): home purchase mortgage guidance - [Home equity and HELOC](https://www.freerateupdate.com/home-equity): home equity borrowing guidance - [Cash-out refinance](https://www.freerateupdate.com/cash-out): cash-out refinance guidance - [FHA loans](https://www.freerateupdate.com/fha): FHA loan information - [VA loans](https://www.freerateupdate.com/va): VA loan information - [Mortgage calculator](https://www.freerateupdate.com/mortgage-calculator): payment and affordability calculators ## Calculators - [Mortgage payment calculator](https://www.freerateupdate.com/mortgage-payment-calculator): estimate a monthly mortgage payment, with a principal/interest/taxes/insurance/PMI breakdown chart - [Home equity loan calculator](https://www.freerateupdate.com/home-equity-loan-calculator): estimate available home equity and a fixed monthly payment from home value, mortgage balance, and CLTV limit - [HELOC calculator](https://www.freerateupdate.com/heloc-calculator): estimate an available HELOC credit line and compare draw-period vs repayment-period payments ## Data and methodology - [Median home values dataset](https://www.freerateupdate.com/home-values): first-party median property value reported by consumers actively shopping mortgage and home-equity rates, by state and nationally - [As Low As Rates vs. Freddie Mac PMMS](https://www.freerateupdate.com/network-rate-spread): FreeRateUpdate's best verified network rate and APR charted against the Freddie Mac PMMS national average - [As Low As Rates history](https://www.freerateupdate.com/as-low-as-history): daily history of FreeRateUpdate's best verified network rate and APR by loan purpose and product; the historical series is still being populated - [Mortgage rate minus 10-year Treasury spread](https://www.freerateupdate.com/mortgage-treasury-spread): the spread between the Freddie Mac PMMS 30-year fixed average and the 10-year U.S. Treasury par yield - [U.S. HELOC market volume (2009-2025)](https://www.freerateupdate.com/resources/us-heloc-market-volume-2009-2025): historical HELOC origination volume data - [U.S. refinance application volume (2009-2025)](https://www.freerateupdate.com/resources/us-refinance-market-volume-2009-2025): historical refinance application volume data ## Lender information - [Approved lenders](https://www.freerateupdate.com/approved-lenders): lenders and brokers in the FreeRateUpdate network - [Lender profiles](https://www.freerateupdate.com/lender-reviews): canonical identity, NMLS licensing details, and source links when available ## Learn - [Learning center](https://www.freerateupdate.com/learning-center/blog): mortgage and home-equity education - [FAQ](https://www.freerateupdate.com/faq): hub linking to FreeRateUpdate's full library of answered mortgage, refinance, HELOC, FHA, and VA questions ## About - [About FreeRateUpdate](https://www.freerateupdate.com/about-us): the operating legal entity (FreeRateUpdate.com LLC, NMLS #1154338, incorporated April 2009; the site has served mortgage shoppers since 2008), its licensing, how it is compensated, its editorial review policy, the provenance of the data it publishes, and linked independent coverage and ratings - [Contact](https://www.freerateupdate.com/contact): how to reach FreeRateUpdate ## AI capability index - [FreeRateUpdate AI capability index](https://www.freerateupdate.com/.well-known/ai-capability-index.json): machine-readable description of FreeRateUpdate's data and content capabilities (answer content, daily advertised-rate dataset, home-value stats, lender universe, reference rate series) and licensing terms. Plain JSON over HTTP, published by FreeRateUpdate about itself; it is not an MCP server and does not implement MCP's `server/discover`. Partner/bulk access is a REST API by bearer token; see the index for contact details.