Already have a Loan Estimate? We'll beat it.
Send your current Loan Estimate and Rate Direct returns an apples-to-apples comparison - same loan amount, same lock period - with a rate, fee structure, and total cost we can prove is better. If we can't beat it, we'll tell you straight up.
Apples to apples
Same loan amount, same lock, same program. No tricks like swapping a 60-day lock for a 15-day quote.
Lender fees only
We compare lender-controlled costs. Title, appraisal, taxes, and prepaids vary by location and aren't set by us.
Honest answer
If your current quote is already strong, we'll say so. The goal is to save you money, not waste your time.