Why Waste Time Calling Bank After Bank
One submission puts your details in front of several licensed mortgage lenders at once, so you can stack up rate, term, and closing-cost numbers side by side instead of chasing separate quotes. Works the same whether you're a first-timer, resetting your rate, or tapping equity for a renovation.
Mortgage Programs in Our Network
Lenders we work with offer conventional, FHA, VA, USDA, jumbo, and non-QM mortgages spanning purchase, refinance, and equity products. Qualifying veterans can access VA loans with zero down, and FHA financing opens up with as little as 3.5% down for scores near 580.
Frequently Asked Questions
Is there a credit hit just from comparing rates?
No — comparing rates through us is a soft inquiry only. Your credit isn't touched until you formally apply with a chosen lender.
What's the minimum score I'd need?
Conventional financing usually starts around 620, FHA can dip to 580 (or 500 with extra down payment), and VA loans typically clear at 580+. We aim you at lenders that match where you stand now.
How fast can this whole process move?
Refinances often close in four to six weeks; purchases usually take six to eight, mostly gated by appraisal scheduling and underwriting turnaround.
What documentation should I have on hand?
Have your recent pay stubs, two years of W-2s or 1099s, tax returns, bank statements, and a government ID ready. Self-employed applicants usually need a bit more on top of that.
How fast can I pre-qualify for a mortgage?
Pre-qualification through our network takes minutes — it's a soft-pull estimate based on the income, debt, and credit range you report. Full pre-approval with document verification typically follows in one to three days with the lender you choose. See our full breakdown of what actually separates the two.
Does pre-qualifying hurt my credit score?
No — pre-qualification uses a soft inquiry. A hard pull only happens later, during the formal application with the lender you pick.
What actually speeds up or slows down pre-qualification?
Having your income, debt, and down payment figures ready speeds things up; confusing it with the longer, document-verified pre-approval process is the most common thing that slows it down. See our full breakdown of what controls the pace.
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