dcsimg
We research, you save.
Got Questions On Rates? (855) 610-2972

About HSH.com


Our History.

For over 35 years, HSH conducted the nation's largest editorial mortgage rate survey, at times gathering rates from thousands of retail mortgage lenders across the country each week. Changing industry and consumer information needs amid a nearly complete restructuring of the mortgage industry led to the discontinuation of this component of HSH in 2016.

HSH.com, our consumer-facing website, continues unaffected by this, and our mission of being the most complete, objective and authoritative place for mortgage information, mortgage calculators, tools, help and expertise remains fully intact.

Since our beginnings, HSH has been a consumerist organization. Our extensive library of must-know articles is at your disposal, free of charge, as are our expert-level calculators and tools, and in our pages you'll find the same objective advice we've offered since HSH was founded in 1979.

HSH data and the markets.

For decades, HSH data and insight were used by virtually every entity in the mortgage business, including regulators like the FHFA, secondary market makers like Fannie Mae and Freddie Mac, the nation's largest banks and independent mortgage companies and local and regional lenders. We also marketed our survey data directly to consumers as a portion of our award-winning Homebuyer's Mortgage Kit, which at one time was ranked as "One of the Hundred Best Deals in America" by Money Magazine.

The Residential Mortgage Update was our flagship survey product for many years, listing rates and terms from dozens (or even hundreds) of lenders with current rates and terms for a range of popular (and sometimes esoteric) mortgage products. Various editions of our Mortgage Trends charts and Statistical Releases appeared widely in major news media, and our weekly MarketTrends newsletter was a leading source of news and analysis about mortgages and mortgage markets, as it still is today.

HSH is an innovator.

We are proud of our history of innovation. Before cellphones, before the internet, and even before widespread adoption of cable television, HSH was a participant in early efforts to narrowcast information and data streams into residences as a component of Time/Life TeleText services.

Consumer publications
Our earliest consumer products offered plain-language interpretations and guidance to homebuyers and homeowners alike. HSH's "Mortgage News Alerts", "Guide to Mortgage Types and Definitions" and "ARM Index Comparison Table" were authoritative works comprised of matter-of-fact details and hard-to-find information. These helped tens of thousands of consumers and professionals gain knowledge about a quickly changing mortgage market. Better still, we offered them for the cost of a postage stamp. Later came booklets and guides covering refinancing, mortgage fees and choices, prepayment, home equity and more.

Homebuyer's Mortgage Kit
Originally a series of pamphlets, booklets and a local survey, the HMK evolved from into a 32-page, then 36, 44, 48 and finally 56-page "How to Shop for a Mortgage" booklet crammed full of information and expertise about some very complex topics written in easy-to-understand language. Hundreds of thousands of HMKs were sold in the 25+ years they were available. Coupled with a local survey of mortgage lender rates and terms, consumers reported to us that they easily recovered the $12 to $20 purchase price just by finding a lender with a lower fee due at application, let alone tens of thousands of dollars in interest cost over time. You can now find the HMK disseminated in the articles, tables and tools that are the heart of HSH.com

Hotlines
Before it was commonplace, we operated 24-hour telephone hotlines for the latest information about mortgage rates and ARM indexes using the latest voice technology of the day.

PointSaver
For the benefit of consumers and lenders alike, HSH created PointSaver, a system where lenders listed in our reports offered premiums such as lender fee reductions and more directly to mortgage shoppers who purchased a Homebuyer's Mortgage Kit or survey product. We intermediated between consumers who filled out inquiry coupons for lenders, faxed them to HSH (pre email days), and provided them solely to the consumer's chosen lenders. We also acted to ensure that offers were completed.

BBS Systems
As personal computers with modems began to become widely adopted, HSH created and maintained bulletin-board systems (BBS) to allow tech-savvy clients and consumers access to our data at their fingertips, and our information was made available to real estate professionals via closed MLS systems.

PC Mortgage Update
HSH also developed and marketed the first stand-alone mortgage shopping package for professionals and consumers. PC Mortgage Update included expert tutorials about mortgages, a mortgage calculator and a local database of lenders with mortgage rates and terms. Consumers could sift through hundreds of quotes and select a loan that fit their needs; professionals could see their competition at a glance. A unique dialup and download component allowed users to get fresh info with a single touch of a button.

AOL and the internet
When "going online" meant dialing up AOL, HSH was there. Our statistics, rate charts and articles were all portions of AOL's earliest real estate channels. HSH was also an early adopter of the internet, as can be seen in our simple, three-letter domain name, first registered in the early 1990s. We were perhaps the first place to find mortgage information, calculators and more on the internet. If you are interested, some of our earliest websites can be seen in the Internet Archive (we're pretty sure our first website attempts predate the IA, too).

LiveEdit
LiveEdit was our unique platform that allowed lenders to update their advertising and interest rate displays without the help of web developers. LiveEdit allowed users to log in, change text, upload rates and more without any technical expertise, and right from their desktop or laptop computer. When introduced, such capability was virtually unheard of, and LiveEdit was a key feature of HSH's Lender Showcases.

Modern Innovation

HSH continues to innovate using the latest tools and technology. In recent years, our focus has been on bringing professional-level and unique calculators to consumers, including our PMI Cost Calculator, Tri-Refi Calculator, KnowEquity underwater mortgage calculators, Prepayment::Refinance (PreFi) calculator, LowerRate, RoundUp, It's My Term prepayment calculators, FeePayBestWay, Downpayment Decisioner and others.

Our ability to turn raw numbers into valuable information can be seen in each quarter's "Salary you need to buy a home in 50 metro areas", where we dig into home prices, current mortgage rates, tax and insurance costs to provide a solid reckoning of the income needed to buy a median-priced home in major metropolitan areas across the country.

For homeowners, we developed a unique home-value estimator tool called MyHPI; using home price data from an authoritative government source, users can calculate what's happened to the value of their home in the time period they have owned it. MyHPI covers 100 metropolitan markets around the country.

Watch for more innovative new tools and calculators as we move into our 40th year and beyond.

Our relationships with major media

You've probably seen HSH mentioned all over the place, from your local paper to The Wall Street Journal. HSH data and expertise has been seen or featured in thousands of interviews in print, video and electronic media. Although we don't keep tabs on all of them any more, you can see some recent media appearances here. In the company's early days, a lot the analysis and outreach came from the company's principals, but for the last 30 years, it has been provided by Keith T. Gumbinger, a longtime observer who knows the consumer-credit and mortgage markets inside and out. Reporters and writers can get in touch with him here.

As professionals and media have for decades, we urge you to take advantage of our inside, in-depth knowledge of the markets with our weekly MarketTrends newsletter, available by free subscription each Friday evening or on HSH.com every Monday morning.

Almost since the development of ARMs in the late 1970s and early 1980s, we have tracked a wide variety of Adjustable Rate Mortgage indexes and made them available on our websites.

As has always been the case, HSH is an objective, independent source of information about mortgage and consumer loans. HSH does not make or broker mortgages and is not beholden to any lender. We're proud of the reputation we diligently earned over many years. If you like, you can read what some people have said about our products and services.

Copyright 2018 HSH.com HSH® is a registered trademark of HSH Associates, Financial Publishers. All rights reserved.

Mortgage Rates from 0.00%
 Mortgage Glossary Mortgage Quick Search