Why Shop Through One Form Instead of Ten Sites
Rather than filling out separate applications with every bank in town, submit your details once and let multiple licensed lenders come back with side-by-side numbers on rate, term, and closing costs. Works the same whether you're buying your first place, chasing a lower rate on your current loan, or pulling cash out for a renovation.
Loan Programs Available Through Our Network
Lenders in our network write conventional, FHA, VA, USDA, jumbo, and non-QM mortgages covering purchases, refinances, and equity products. Eligible veterans can access VA financing with zero down, and FHA loans open the door with as little as 3.5% down for credit scores starting around 580.
Frequently Asked Questions
Will shopping for a quote show up on my credit report?
No — comparing quotes through us only triggers a soft pull. A hard inquiry only happens once you move forward with a specific lender's formal application.
What credit score gets me approved?
It depends on the loan type: conventional usually wants 620+, FHA opens up around 580 (or even 500 with a bigger down payment), and VA loans commonly clear at 580+. We route you toward lenders that fit where you stand today.
From start to closing, how long does this take?
A refinance often wraps in four to six weeks; a purchase usually runs six to eight weeks, with appraisal scheduling and underwriting being the biggest swing factors.
What paperwork should I have ready?
Plan on recent pay stubs, two years of W-2s or 1099s, tax returns, bank statements, and a government ID. Self-employed applicants usually need to supply a bit more documentation on top of that.