SwiftSchemaGenerate
    Schema stack

    Mortgage Rate Finder Stack

    Mortgage rate/quote tools with Service + Offer context, FAQs, and breadcrumb navigation.

    Open generatorValidate in Rich Results Test
    Included schema
    Service
    Offer
    Frequently Asked Questions
    Breadcrumb
    Fit

    When to use this stack

    • Mortgage rate/quote finder pages for purchase or refinance
    • Lead-gen rate tools that need clear service/provider context
    • Pages where FAQs clarify validity, credit pulls, and rate locks
    Composition

    What is included

    • Service

      Anchors the mortgage rate service, provider, and area served.

    • Offer

      Expresses a sample rate/offer with availability and URL.

    • Frequently Asked Questions

      Answers eligibility, credit pull, rate lock, and timeline questions.

    • Breadcrumb

      Provides navigation context to the rate finder page.

    Data contract

    Properties across the bundle

    Nested properties keep their parent path, such as offers.priceCurrency. Only publish values that match visible page content.

    Required properties

    • areaServed.name
    • availability
    • itemListElement[].name
    • mainEntity[].@type=Question
    • mainEntity[].acceptedAnswer.text
    • name
    • offers.price
    • offers.priceCurrency
    • offers.url
    • price
    • priceCurrency
    • provider.name
    • serviceType
    • url

    Recommended properties

    • category
    • description
    • itemListElement[].item
    • mainEntity[].acceptedAnswer.text
    • mainEntity[].author.name
    • mainEntity[].name
    • name
    • offers.availability
    • offers.priceValidUntil
    • priceValidUntil
    Copy-ready example

    Combined JSON-LD

    Paste this as one script tag, then replace every example value with data from the live page.

    Validate
    [
  {
    "@context": "https://schema.org",
    "@type": "Service",
    "@id": "https://www.example.com/mortgages/rates#service",
    "name": "Mortgage Rate Finder",
    "description": "Get current purchase and refinance rates with a soft credit check.",
    "serviceType": "Mortgage Lending",
    "provider": { "@type": "Organization", "name": "Example Home Loans" },
    "areaServed": { "@type": "AdministrativeArea", "name": "US" },
    "offers": {
      "@type": "Offer",
      "@id": "https://www.example.com/mortgages/rates#offer-30yr",
      "price": "5.75",
      "priceCurrency": "USD",
      "availability": "https://schema.org/InStock",
      "url": "https://www.example.com/mortgages/apply",
      "priceValidUntil": "2025-12-31",
      "category": "30YearFixed"
    }
  },
  {
    "@context": "https://schema.org",
    "@type": "Offer",
    "@id": "https://www.example.com/mortgages/rates#offer-30yr",
    "name": "30-Year Fixed — Sample Rate",
    "price": "5.75",
    "priceCurrency": "USD",
    "availability": "https://schema.org/InStock",
    "url": "https://www.example.com/mortgages/apply",
    "priceValidUntil": "2025-12-31",
    "category": "30YearFixed"
  },
  {
    "@context": "https://schema.org",
    "@type": "FAQPage",
    "mainEntity": [
      {
        "@type": "Question",
        "name": "Does the quote require a hard credit pull?",
        "acceptedAnswer": {
          "@type": "Answer",
          "text": "No. We use a soft credit check for initial quotes. A hard pull happens only if you proceed to apply."
        }
      },
      {
        "@type": "Question",
        "name": "How long is the rate valid?",
        "acceptedAnswer": {
          "@type": "Answer",
          "text": "Sample rates are indicative and change daily. Lock your rate during application to secure pricing."
        }
      },
      {
        "@type": "Question",
        "name": "Do you support refinance quotes?",
        "acceptedAnswer": {
          "@type": "Answer",
          "text": "Yes. Select Refinance in the tool to see refinance-specific rates and terms."
        }
      }
    ]
  },
  {
    "@context": "https://schema.org",
    "@type": "BreadcrumbList",
    "itemListElement": [
      { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.example.com" },
      { "@type": "ListItem", "position": 2, "name": "Mortgages", "item": "https://www.example.com/mortgages" },
      { "@type": "ListItem", "position": 3, "name": "Rates", "item": "https://www.example.com/mortgages/rates" }
    ]
  }
]
    Workflow

    Implement and verify

    1. 01

      Start with the live page

      Confirm titles, prices, availability, policies, and visible FAQ content before generating markup.

    2. 02

      Add one JSON-LD script

      Use the combined example as a template in the document head or before the closing body tag.

    3. 03

      Complete regional details

      Fill shipping destinations and timing for every region the page actually serves.

    4. 04

      Link the return policy

      Use a stable MerchantReturnPolicy URL and keep its terms synchronized with the page.

    5. 05

      Match visible answers

      Add only FAQs that users can read on the same page, with identical answers.

    6. 06

      Validate after changes

      Run Rich Results Test after implementation and whenever price, availability, or policy data changes.

    Quality check

    Common errors and fixes

    • Missing currency or availability

      Use ISO currency codes and complete schema.org availability URLs in Offer data.

    • Incomplete shipping details

      Include shippingDestination.addressCountry and deliveryTime.transitTime with units.

    • Return policy is not connected

      Reference MerchantReturnPolicy from the Offer and provide a stable public policy URL.

    • FAQ answers differ from the page

      Keep structured FAQ answers identical to visible answers.

    Questions

    Stack FAQs

    Do I need a separate Offer object?

    Yes if you show a sample rate/term. Keep price/currency aligned to what’s visible and update priceValidUntil regularly.

    How should I handle multiple rate types?

    Add one Offer per rate type shown (e.g., 30-year fixed, 15-year fixed, refinance) with distinct @id values.

    Primary sources

    References