About ERATE®

ERATE® is a nationwide publisher of financial and interest rate information specifically targeted for use by the consumer as well as an Arizona and California Mortgage Broker. Licensed by the Arizona DFI (Lic.#0909410) and the California BRE (Lic.#01292265). ERATE.com, Inc. NMLS#179560.

ERATE began as a prime-only mortgage brokerage and transitioned into a consumer resource site with the primary goal of helping consumers educate and protect themselves.

When most mortgage companies became involved in the sub-prime lending meltdown, ERATE chose not to participate in questionable sub-prime lending practices but rather maintained its focus on the large segment of consumers and lenders who could withstand the legitimate, long-proven underwriting standards that had been the hallmark of the mortgage industry's past.

With over a decade of mortgage origination experience behind us, we recognized the growing need for consumer protection and advocacy in the financial services industry and changed the course of our business in 2006 to focus exclusively on assisting consumers in making better financial decisions.

We provide original, unbiased, user-friendly tools and information for consumers to rely on when making important personal financial decisions relating to mortgages as well as a variety of loans connected to autos, credit cards and student loans.

ERATE is pleased to provide mortgage origination services directly to consumers in both Arizona and California.

Jeff Howard - ERATE CEO

Jeff Howard
Chief Executive Officer

Nancy Osborne - ERATE COO

Nancy Osborne
Chief Operating Officer

Christopher Lee - ERATE CTO

Christopher Lee
Chief Technology Officer


Many consumers have displayed the mistaken belief that ERATE.COM is related to or affiliated with "erates mortgage," a name being used by Finance of America Mortgage. ERATE.com is in no way associated with that business, and never has been.

ERATE.COM has been using the mark ERATE® to offer mortgage and personal finance related services since the year 2000. ERATE.COM holds an incontestable trademark for ERATE®, registered with the U.S. Patent & Trademark Office. We believe that our trademark is being infringed and causing confusion among consumers. Therefore, on May 4, 2017, we filed a federal trademark lawsuit against Finance of America Mortgage and others. You can view the lawsuit that we filed by clicking the button below.

View Lawsuit (PDF)

Advertisers: ERATE offers vaulable and hightly convertible advertising space throughout its site. Top companies pay premium prices to appear on ERATE. If you are interested in advertising on ERATE please send an email directly to Jeff at erate.com and put Advertising in the subject line.

Our Address:
4701 Patrick Henry Drive
Building 16, Suite 100
Santa Clara, CA 95054-1863



[email protected]

Please feel free to reach out to us using our contact form if you have questions about our products or services.