Most mortgage quotes show you one rate. We show you the choices behind it — how different rates, points, and lender credits change your payment and cash to close. Then you choose the strategy that fits your goals.
No cost, no obligation — just a clearer picture before you decide.
What "Pick Your Rate" actually means
You don't pick just any interest rate. You choose from the rate-and-cost combinations available for your specific loan scenario and current market pricing.
Lower monthly payment
Explore a lower interest rate, potentially in exchange for higher upfront costs.
Balanced option
Balance your rate, monthly payment, and upfront closing costs.
Lower cash to close
Explore a higher rate with available lender credits that may reduce upfront costs.
This is an illustration of the concept, not a quote. Actual rates, pricing, and available credits depend on your loan scenario and current market conditions.
What clients say
How we work
As an independent brokerage, we shop a wide network of lending partners, then walk you through your options side by side — no single-rate quote, no pressure.
Start with your goals
A quick, no-obligation conversation about what you're trying to accomplish — lowest payment, least cash to close, or fastest payoff.
Compare your real options
We lay the choices out side by side — rate, points, lender credits, monthly payment, and cash to close — in plain English.
Choose with confidence
You pick the strategy that fits, and our team drives the loan to the closing table with clear communication at every step.
A different way to shop for a mortgage
Traditional quote experience
- Often starts with one quoted rate
- Points and credits can be difficult to compare
- Borrowers may focus only on rate
- Upfront costs may not be viewed alongside monthly payment
Pick Your Rate
- Compare multiple available structures
- See rates, points, and credits side by side
- Compare monthly payment and cash to close
- Choose based on your financial goals and timeline
Loan programs
A wide network of lending partners, matched to your situation.
First-Time Buyers
Low down payments, CHFA assistance, and the numbers behind each choice.
Learn more →Conventional Loans
Down payment, term, points, and lender credits — compared side by side.
Learn more →FHA / VA / USDA
Government-backed programs explained plainly, before you commit to anything.
Learn more →Self-Employed Borrowers
Bank-statement and 1099 programs that qualify you on real cash flow.
Learn more →Real Estate Investors
DSCR financing on the property's income — no tax returns, LLC closings welcome.
Learn more →Refinance & Home Equity
Payment relief, cash-out, or tapping equity — priced against your actual scenario.
Learn more →
John Schwarzkopf
Founded Pick Your Rate after years in financial services, convinced the best mortgage is the one that fits your goals — not the one that's easiest to sell.
For real estate professionals
Scenario comparisons, responsive preapproval support, and clear communication throughout the transaction — so your clients close on time and understand every step.
Based in Watertown. Licensed in CT, FL & CO.
Connecticut is home — the market our team knows town by town. But the whole process runs by phone, email, and secure online tools, wherever you're buying.
Tools & calculators
Run the numbers yourself, or use these as a starting point before we talk.
Ready to see your options?
No cost, no obligation. We'll walk through your goals and show you the strategies available for your scenario.
No cost, no obligation.