Skip the Ten-Application Grind
Rather than contacting bank after bank separately, one submission puts your details in front of multiple licensed mortgage lenders who then compete for your business on rate, term, and closing costs. Works whether you're buying your first home, resetting your rate on an existing loan, or pulling equity out for a project.
Programs Available Through Our Lenders
Our network writes conventional, FHA, VA, USDA, jumbo, and non-QM mortgages across purchase, refinance, and equity products. VA financing is available at zero down for qualifying veterans, while FHA loans can open up with as little as 3.5% down for scores starting near 580.
Frequently Asked Questions
Does comparing quotes ding my credit?
No — comparing quotes with us is only a soft pull. Credit only takes a hit once you formally apply with a specific lender.
What score range am I looking at for approval?
Conventional loans generally start at 620+, FHA can go as low as 580 (or 500 with a larger down payment), and VA loans usually clear at 580+. We steer you toward lenders matching your current profile.
What's the realistic timeline from quote to closing?
Refinances tend to close in four to six weeks, purchases in six to eight weeks — appraisal turnaround and underwriting speed are the biggest variables.
What paperwork do lenders usually ask for?
Expect to provide pay stubs, two years of W-2s or 1099s, tax returns, bank statements, and photo ID. Self-employed applicants typically need to submit extra income verification.
How much cash can I take out with a cash-out refinance?
Most lenders cap a cash-out refi at about 80% of your home's value minus what you still owe. On a $400K home with $250K remaining, that's roughly $70K of accessible equity, subject to qualification. See our full breakdown of how the 80% LTV cap works, with more examples.
Does a cash-out refinance require a hard credit pull to see rates?
Not to see initial quotes — comparing offers through our network uses a soft inquiry. A hard pull only happens when you formally apply with the lender you pick.
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