Eight answers. Then real pricing from 241+ lenders.
Everything else is pre-filled with sensible defaults you can adjust. No credit pull and no account.
An estimate is fine — nothing here pulls your credit.
Fine‑tune the details (all pre‑filled)
Leave blank and the pricing engine will resolve it from your ZIP, including the conforming limit.
Disclosed up front, as required. Lower compensation generally means better pricing to you.
You will see the whole grid, not a single number.
Every lender, side by side
Rate, points, lender credits and monthly payment for each option on the board — sorted so the genuinely cheapest is obvious, not the one with the flashiest headline.
Costs itemised
What you pay at closing versus what is financed into the rate. The trade-off between the two is where most borrowers quietly lose money.
And the context the engine misses
Pricing engines do not know you are moving in four years or that your bonus is inconsistent. The break-even calculators handle most of that yourself — and a written second opinion is there if the situation is genuinely unusual.
What the estimate is and is not.
No. It is a principal-and-interest estimate built from an assumed rate for the program, credit tier and loan-to-value you entered — useful for framing, not for deciding. Live pricing appears when you continue to the rate engine, which pulls from the wholesale board in real time.
Not on this page. You are entering an estimated score yourself, and nothing here touches a bureau. A credit pull only happens later, with your explicit authorisation, once you decide to move forward.
Because most of what a pricing engine needs can be inferred or defaulted safely. Everything not asked on the face of the form is pre-filled and sitting in the "fine-tune" panel — open it and change anything that does not match your situation.
It is what the broker earns on the file, disclosed on every Loan Estimate as required. It is exposed here because it directly affects your pricing — lower compensation generally means a better rate to you, and you should be able to see that lever rather than have it hidden.
Rates checked. Ready to move?
The application takes about fifteen minutes, costs nothing, and does not lock you into anything.
No cost to apply · No obligation · Soft credit options available · NMLS 2705737