Example Broker A
Lower rate / higher upfront costs
- Rate
- Lower-rate pattern
- APR
- Varies by fees
- Points / credit
- Review actual offer
- Lender fees
- Review actual offer
- Cost over expected time in loan
- Depends on timeline
One loan. More offers. Your choice.
Brokers compete. Our AI guide Lenny helps you compare.
- No name or phone needed
- No credit pull
Meet Lenny.
See beyond
the rate.
Lenny, your AI mortgage guide, helps explain comparable offers based on how long you expect to keep the loan.
Pulls apart each offer. Rate, APR, points, lender credits, and the fees the lender controls.
Measures them against your timeline. What each loan costs over the years you expect to keep it.
Gives you a verdict. Not a table to decode. A plain answer and why.
Example Broker B
Higher rate / lender credit
- Rate
- Higher-rate pattern
- APR
- Varies by fees
- Points / credit
- Credit may offset costs
- Lender fees
- Review actual offer
- Cost over expected time in loan
- Depends on timeline
Example Broker C
Different fee / payment balance
- Rate
- Review actual offer
- APR
- Varies by fees
- Points / credit
- Review actual offer
- Lender fees
- Review actual offer
- Cost over expected time in loan
- Depends on timeline
Lenny’s read
More upfront cost may take time to recover; a credit may reduce closing cash but raise ongoing costs. Your timeline matters. Licensed professionals confirm pricing and eligibility.
Brokers make offers on the loan, without your contact details.
No name, phone or email is required to open your offers. If you later choose to save a return link or opt in to verified offer updates, we never share your email with a mortgage broker or lender unless you choose to contact one.
What participating brokers see
Loan purpose, value, amount, credit-score assumption, property type, occupancy, and property location, including the ZIP code needed for pricing.
What stays with you
Your email stays private and is not included in the loan details brokers see. Your name, phone number, and street address are not collected in this form. You control any later introduction.
Three steps. Brokers handle the middle one.
Enter your loan details
Share the loan details brokers need to price it. No documents or credit pull needed.
Brokers make offers
Participating mortgage brokers can use wholesale pricing to make offers with rate, APR, points, credits and fees. Availability varies by loan and broker.
You pick one
Review the responses side by side. Choose to contact one broker, or none.
Your AI mortgage guide. Your decision.
A lower rate can still be a more expensive loan. Lenny helps explain rate, APR, points, credits, fees, and projected costs over a chosen time horizon. The analysis depends on the assumptions and submitted responses; a licensed professional confirms final pricing and eligibility.
Before you start
Will my phone start ringing?
No name, phone or email is required to open your offers. You decide whether to share contact details with a broker later.
Does checking options affect my credit?
No credit is pulled to send your loan details. A broker may discuss a credit check if you later choose to apply.
What does it cost?
Sending your loan details is free, and you are not obligated to accept an offer.
Who can make an offer?
Participating licensed mortgage brokers with access to wholesale lender pricing may respond. You can check a broker’s license through NMLS Consumer Access before making contact.
Is an offer a guaranteed rate?
No. An offer is based on the loan details you provided. Final pricing, APR, fees, and approval require confirmation after your information is verified.
Will I definitely receive offers?
Responses depend on your state, loan details, and broker availability. An offer or particular response time is not guaranteed.