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
Post your loan once. Let licensed brokers bid for it.
Post your loan details without a name, email, or phone number. Your private board requests live pricing references when available. Licensed brokers can send confirmed bids later; responses and timing are not guaranteed.
- No name or phone to post
- No credit pull to post
One tap to begin
What are you looking to do?
Hi, I’m Lenny. I’ll help compare any broker responses you receive, including the cost behind each rate.
One tap starts it. No account or contact info is needed to begin.
See beyond the rate.
Understand the
tradeoff.
Lenny explains the tradeoffs over your expected time in the loan, using submitted comparable bids.
Pulls apart each bid. 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 bid on the loan, without your contact details.
No name, email, or phone number is required to launch your board. You choose whether to share contact details with a broker after reviewing responses.
What bidding 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 name, email, phone number, and street address are not collected in this form or included in the bidding scenario. You control any later introduction.
Three steps. Brokers handle the middle one.
Post your scenario
Share the loan details brokers need to price it. No documents or credit pull to post.
Brokers bid
Participating licensed brokers can price your scenario and submit rate, APR, points, credits, and fees.
You pick one
Review the responses side by side. Choose to contact one broker, or none.
Compare the numbers and understand what they mean.
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 post
Will my phone start ringing?
We do not ask for a name, email, or phone number to post. You decide whether to share contact details with a broker later.
Does posting affect my credit?
No credit is pulled to post a scenario. A broker may discuss a credit check if you later choose to apply.
What does it cost?
Posting a scenario is free, and you are not obligated to accept a bid.
Who is bidding?
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 a bid a guaranteed rate?
No. A bid is based on the scenario you posted. Final pricing, APR, fees, and approval require confirmation after your information is verified.
Will I definitely receive bids?
Responses depend on your state, scenario, and broker availability. A bid or particular response time is not guaranteed.