RFA Mortgage Corporation
RFA Mortgage Corporation mortgage rates — and how to beat the posted rate.
RFA Mortgage Corporation’s broker-channel rate is typically 15-30 bps below the rate you’d see walking into a branch. We access it as an FSRA-licensed brokerage — and compare it against 50+ lenders so you get the best fit, not just one bank’s sheet.
Rates as of May 13, 2026 · source: editorial rate registry. Personalized rate depends on your file. O.A.C.
5-year fixed
4.19%
Best in our network
5-year variable
4.04%
Best in our network
3-year fixed
4.39%
Best in our network
About RFA Mortgage Corporation (a broker’s view)
Strong broker-channel monoline with competitive insured + insurable rates. RFA Capital (the parent) also runs alt-A and private-debt arms, giving them a multi-tier product set under one corporate umbrella.
- Prime A-lender pricing
- Specialty BFS + alt-A access
- RFA Capital private debt
- Investor-friendly underwriting
RFA Mortgage Corporation mortgage rates — FAQ
What are RFA Mortgage Corporation's mortgage rates today?
Lenders run two rate sheets — the posted/branch rate and the broker-channel rate. As an FSRA-licensed brokerage we access RFA Mortgage Corporation's broker-channel pricing, typically 15-30 bps below their posted rate. Your exact rate depends on your file (income, credit, LTV, property).
Is RFA Mortgage Corporation a good mortgage lender?
Strong broker-channel monoline with competitive insured + insurable rates. RFA Capital (the parent) also runs alt-A and private-debt arms, giving them a multi-tier product set under one corporate umbrella.
Can I get a lower rate than RFA Mortgage Corporation's posted rate?
Usually, yes. RFA Mortgage Corporation's broker-channel rate is typically lower than the walk-in rate, and we also compare RFA Mortgage Corporation against 50+ other Canadian lenders — sometimes another lender prices your specific file better. We shop all of them on one application.
Does RFA Mortgage Corporation offer rate holds?
Yes — like all major Canadian lenders, RFA Mortgage Corporation offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to RFA Mortgage Corporation for a real underwritten pre-approval.
How do I apply for a RFA Mortgage Corporation mortgage?
Through a licensed broker you reach RFA Mortgage Corporation's broker channel directly. Start a no-obligation application with Mortgage Squad Advisors (FSRA #13737) and we'll submit to RFA Mortgage Corporation — and compare it against the rest of the network — with no bureau pull to begin.