that doesn't involve giving up your phone number or email address (and deal with the resulting thousands of calls/texts/emails)? I combined households last year, and we ended up selling my place, then buying our place, then selling her place. We unfortunately bought at about the maximum interest rate (7.35%), but I figured interest rates would drop by at least 1%, if not 2% in the next year or two. Combined with the high interest rate, we also still have not folded the proceeds from the sale of her house into our home yet. So right now, we've got both a large balance and a high interest rate, so the payments are a bit painful. My plan is once rates drop by at least 1%, we'll refi and dump in a lump sum in to get things back down to something reasonable. My challenge is getting an accurate feel for what interest rates are. Every lender or website I can find wants you to basically apply for the mortgage before they will give you a rate. I recall many, many years ago, there were websites where you could just input the zip code and your credit score and it would give you a few dozen mortgage options. I really don't want to deal with my phone ringing every 8 minutes with a mortgage lender.