To begin this process, all the individual must do is fill out a simple form and submit it over the Internet. The consumer will receive an online home loan rate estimation within a short period of time. It is possible to find online home loan rates for 10-year, 15-year, 20-year, 25-year, and 30-year mortgages. The rate will vary according to the length of the loan and many other details of the agreement. Seeking an adjustable mortgage as opposed to a fix mortgage will also determine the rates that will be received because of the different terms applied to each agreement. With the fixed mortgage, the rate will not change over the life of the agreement, but adjustable mortgage rates will change with the Prime Rate.