What Mortgage Is Best for Me Quiz
In about 10 minutes, see which mortgage style fits your budget comfort and plans. Get a clear match or blend across four common options, plus a smarter starting point for comparing Loan Estimates.
08:30
Scale Explorer
How the Scales are Structured
DATA-BASED USER COHORTS
Who Usually Takes This Test?
BASED ON AGGREGATED, ANONYMIZED DATA FROM TENS OF THOUSANDS OF FREUDLY USERS.
Benchmarking
See How You Compare
Once you complete the test, your results are compared with real-world data from people in your country.
Below is a preview of how scores are typically distributed across each scale.
Below is a preview of how scores are typically distributed across each scale.
15-Year Fixed-Rate Mortgage (1FM)
15-Year Fixed-Rate Mortgage (1FM)
Average
6.9
Normal range
5.4 — 8.4
min.
0
max.
12
This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.
Once you complete the test, your result will appear on the scale so you can see how you compare.
30-Year Fixed-Rate Mortgage (3FM)
30-Year Fixed-Rate Mortgage (3FM)
Average
3.9
Normal range
2.2 — 5.6
min.
0
max.
12
This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.
Once you complete the test, your result will appear on the scale so you can see how you compare.
Adjustable-Rate Mortgage (AM)
Adjustable-Rate Mortgage (AM)
Average
8.4
Normal range
6.3 — 10.4
min.
0
max.
12
This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.
Once you complete the test, your result will appear on the scale so you can see how you compare.
Government-Backed Mortgage Pathway (GMP)
Government-Backed Mortgage Pathway (GMP)
Average
3.1
Normal range
0.8 — 5.3
min.
0
max.
12
This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.
Once you complete the test, your result will appear on the scale so you can see how you compare.
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SAMPLE QUESTIONS
Example Questions From the Test
- It would leave too little flexibility, so I would favor the lower required payment.
- I could manage it after reducing some optional spending, but the margin would be narrow.
- It would fit with a reasonable monthly cushion after essential expenses.
- It would fit comfortably while preserving savings and other planned contributions.
- Fewer than three years.
- About three to six years.
- About seven to ten years.
- More than ten years, with no firm plan to move or refinance.
- Less than 5% of the purchase price.
- About 5% to 9%.
- About 10% to 19%.
- At least 20%.
WHAT THE TEST MEASURES
About This Assessment
What Mortgage Is Best for Me Quiz - Symptoms and Signs
This free, no-sign-up quiz compares four common U.S. mortgage paths: 30-year fixed, 15-year fixed, adjustable-rate, and government-backed financing. Consider your payment priorities, expected time in the home, savings, and tolerance for changing costs. Your highest score shows your strongest affinity; results within one point form a blended result. This is an educational starting point—not financial advice, a rate quote, or loan approval. Always compare official Loan Estimates and qualified guidance.
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