Submit your loan profile anonymously. Licensed brokers compete blind on rate AND every fee. Accept a winning bid and we've earned our fee. Don't see savings? Walk away — full refund.
Brokers see your loan profile, not your identity. No phone calls. No emails. No follow-up. The only broker who learns your name is the one whose bid you accept.
Verify your credit range with one soft inquiry. No score impact. The hard pull only happens after you accept a winning bid — protecting your credit while you shop.
If a bid beats what you already have, accept it. If it doesn't, walk away. We don't decide for you. We don't compare against some "average market rate." Your judgment, your call.
Today's mortgage spread over the 10-year Treasury is 207 basis points — about 32 bps above historical average. On a $400,000 loan, that's roughly $84/month or $30,240 over a 30-year term. Brokers competing for your loan close that gap. And they typically compete on $1,500-$3,000 in fees on top of the rate.
* Illustrative. Closing savings realized day one. Interest savings over 30-year term.
Submit your profile anonymously. See bids in 24-48 hours. Accept the best one or walk away. Full refund if you walk.