Brokers compete blind for your loan. You decide if their offers beat what you already have. You only pay if you accept a winning bid.
Tell us what you need: loan amount, property type, location, credit range, down payment. Five minutes total. We don't ask for your name, phone number, or email at this stage — your profile is anonymous to brokers until you accept a bid. A $49 fee starts your auction.
Licensed mortgage brokers in your state see anonymized loan profiles that match their lending criteria. They submit blind bids — they can't see what other brokers are offering. They compete head-to-head on rate AND every fee in the loan: origination, processing, underwriting, application, the whole stack.
Within 24-48 hours you see every broker's bid laid out clearly. Total monthly payment, total fees, total cost over the life of the loan. No more deciphering Loan Estimates from five different lenders. The platform does the math — you make the decision.
If one of the bids beats what you already have, accept it. Pay the $451 acceptance fee and we've earned it. The selected broker gets your contact info and runs a hard credit pull to finalize the rate lock. If none of the bids work for you, walk away. Full refund — both the $49 and $451. You decide what counts as a win.
If brokers' bids don't beat what you have, walk away. Full refund. You decide.