Everything you might want to know.

$49 to start your auction, $451 when you accept a winning bid. Total $500 — but only if you accept. Don't accept any bid? Full refund of both fees. No fine print, no fighting for it.

No. We're a marketplace. We don't lend money or originate loans. Licensed mortgage brokers see your anonymous loan profile and bid for the right to close your loan. You pick the winner. The winning broker handles the actual loan from there.

No. We use a soft credit pull to verify your credit range — soft pulls have zero impact on your score. The hard pull only happens after you've accepted a winning bid and the chosen broker is starting the formal application. One hard pull, not five.

Brokers see only your loan profile — amount, type, credit range, location. They never see your name, email, phone, or address until you accept their bid. Brokers who don't win never get your contact information.

Walk away. Full refund of both fees. There's no obligation, no fees, no fight. The brokers who bid will never know who you were. You can also request another round of bidding if you'd like to give brokers a chance to sharpen their pencils.

Free services attract noise — tire-kickers, competitors pretending to be buyers, sabotage attempts. A $49 fee filters all that out, which means brokers know every auction is serious and they bring their sharpest bids. Without skin in the game, you'd get lazy bids from brokers who assume you're not real. And if you don't accept any of those sharp bids, you get all your money back. That's the deal.

Most auctions close within 24-48 hours. Brokers are notified when your profile matches their criteria. You'll see bids as they come in, with a final summary at auction close.

Currently, Florida-licensed mortgage brokers and loan officers from independent and small shops. We verify NMLS license status during onboarding. We're focused on independent brokers and small teams who can compete on rate and service — not big-box lenders.

Nothing. Ever. Brokers pay $0 to bid and $0 when they win. The buyer's fee funds the platform. No subscription, no charge per bid, no charge per win.

During onboarding you set your lending criteria — geography, loan size range, property types, credit range, loan products. You only see profiles that match. No noise.

Yes — they see all bids side-by-side once the auction closes. They cannot see other brokers' bids while the auction is live. Bids are blind: you don't know what your competitors are offering when you submit.

Yes. You don't receive any compensation for referrals. The platform is free for you to use. There's no kickback or fee-splitting that would create a RESPA issue. We provide a free tool — you decide whether to share it with your buyers.

No. Refer as many or as few as you like. Some realtors send the link to every buyer they work with. Others only share with first-time buyers or refinancing clients. Up to you.

Possibly. But your job is to get the best outcome for your buyer. If your preferred lender consistently bids the best rate and fees, they'll win the auction. If they don't, your buyer just saved thousands — and you look like a hero.

Currently Florida only. We're expanding state-by-state to ensure full regulatory compliance. Sign up to be notified when we launch in your state.

Conventional purchase and refinance loans, FHA, VA, jumbo, and second homes. We currently do not support reverse mortgages, hard money, or commercial loans.

Buyers pay $49 to start an auction and $451 when they accept a winning bid — but only if they accept. That's our only revenue source. If a buyer doesn't accept any bid, we refund everything. We don't sell data, we don't take referral fees from lenders, we don't run ads. Brokers pay nothing. Realtors pay nothing.