For Financial Advisors
Better mortgage answers for your clients
Live wholesale pricing and planning tools for advisors whose clients carry mortgages. No lead-capture gates, no retail markup, no marketing pitch when you send a client over.
Tool
Refi Opportunity Scanner
Show clients in seconds what their refi could save them, sourced from hundreds of wholesale lenders.
Tool
Sweep HELOC Estimator
Model the all-in-one mortgage strategy for cash-heavy clients.
Tool
Strategy Comparator
Three-way side-by-side: pay down vs invest vs sweep HELOC. Balanced, no winner declared.
Analysis
When Keeping 3.5% Costs More
The low-rate trap: clients carrying high-APR card debt alongside a low first mortgage. Includes calculator.
Tool
Live Pricer
Same wholesale rates without the lead-gen forms.
Why advisors use Rate Direct
- Live wholesale rates, not retail quotes. Pricing pulled from hundreds of wholesale lenders on demand. The number your client sees is the number they can lock.
- No lead capture required to see results. Your clients can run a scenario without handing over an email, phone, or SSN.
- $0 origination quoting standard. Origination is not built into the rate. Lender fees are itemized in the pricing table.
- NMLS-licensed broker. Operated by Jennifer Kirby, NMLS# 2672337. Full agency and non-QM coverage including jumbo, asset-qualifying, and bank-statement programs.
How referrals work
Advisors share the URL or send a short client introduction by email. From there it is a standard licensed broker workflow. There are no paid referral arrangements and no revenue-share agreements, which keeps the relationship compliance-friendly for fee-only fiduciaries. The objective is simply to give your client honest pricing and a clean process.
Advisor inquiries
For practice-level questions, introductions, or to discuss a specific client scenario, email info@ratedirect.net. Same-day responses during business hours.
Jennifer Kirby, NMLS# 2672337. Loan Factory Inc, NMLS# 320841. Equal Housing Opportunity. Not a commitment to lend.