A better rate, and someone to handle the rest.
See your real numbers in writing today — then decide.
A better rate, and someone to handle the rest.
We shop wholesale pricing across our lenders, send you the real numbers in writing, and take the paperwork off your hands from there.
License and complaint history, public record ↗
Example rates shown in the header assume a $500,000 loan, $625,000 property value, 760 FICO, 80% LTV, owner-occupied single-family residence in California, 30-year fixed — the same scenario our rate tool prices by default — and are pulled live from that tool. "Avg" is an illustrative other-lender comparison for the same scenario, not a survey figure. APR shown where available and exceeds the note rate. Not a commitment to lend — your written estimate shows your actual numbers.
What are you working on?
I'm buying a home
Know your real payment before you write the offer, so you can move fast when the right place shows up.
Price my purchase →I want a lower payment
We'll run your current loan against today's pricing and show you the honest difference after costs.
Check my loan →I need to use my equity
HELOC or fixed second, priced against what your home is worth now, with the costs on the page.
Price my equity →Three costs we don't pass on to you.
A mortgage rate is the cost of money plus everything the lender spent getting it to you. We run lean on all three, and that shows up in your number.
Commission
A retail loan officer earns one to two percent of your loan — up to fourteen thousand dollars on a $700,000 mortgage, priced quietly into your rate.
Headcount
At a large lender your file moves through a call center, a processor, a coordinator, and two underwriters. Every handoff is payroll — and a place your file waits.
Manual work
Documents keyed in by hand. Conditions tracked on spreadsheets. Status updates that need somebody to pick up a phone and ask.
Take out the commission, the extra headcount and the manual handling, and what's left is close to the real cost of the loan. That's the number we quote you — and it's usually 0.50% to 0.75% under the national average.
A quarter point is a used car.
Rate differences look small on paper and don't stay small. Here's a quarter of a percentage point on a $500,000 loan.
Finding out where you stand takes three minutes and doesn't touch your credit.
Illustration only. Compares a 30-year fixed $500,000 loan at 6.00% versus 6.25% — a 0.25 percentage-point difference — principal and interest only. The base figure tracks today's example Zeus rate, so the numbers above reflect current pricing. Your actual difference depends on loan amount, term, credit, LTV, program and lender pricing, and may be larger or smaller. Not a commitment to lend.
Send us the quote
you're holding.
Upload the Loan Estimate someone already gave you and we'll price the same scenario across our lenders. You'll get a straight answer about which one is better for you, in writing, the same day.
One thing we'll always tell you.
Not every borrower comes out ahead with us. If you locked something excellent a few years back, or your bank has a relationship discount we can't match, we'll say so in the same email as your estimate — and you should keep the loan you have.
That's the reason to look before you apply. You get a real answer either way, with nothing on your credit and nobody working your phone number afterward.
You do three things.
We handle everything else.
All by phone and email — no office visits, no appointments to keep. Here's the whole thing, including where money comes in.
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1
Tell us your situation
You: your goal, the property, roughly where your credit sits, how much you need.
Us: run it through wholesale pricing across our lenders and find where it fits best.
What this costs $0 -
2
Read your numbers
Us: email you the rate, APR, monthly payment and fee breakdown — same business day if you're in before 4pm PT.
You: read it on your own time. Talk it over. Hold it up against anything else you have.
What this costs $0 -
Everything above is free. Below this line there's money and there are dates — so you should see them before you decide.
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3
Apply
You: authorize the credit pull and cover the appraisal and credit report fees.
Us: order the appraisal, submit to the lender, and get your official Loan Estimate out within three business days.
Due at application Appraisal + credit reportStraight pass-through — the appraiser gets the appraisal fee, the bureau gets the credit fee. We don't mark them up or keep any of it. The amount depends on your property and location, and you'll see it in writing before we charge anything.
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4
Send your documents
You: upload the list below. This is the last heavy thing we'll ask of you.
Us: everything after — underwriting, conditions, title, escrow, the appraiser, scheduling.
The 48 hours protects your rate. A lock is a clock, and underwriting can't open a partial file — days spent waiting on a pay stub come straight off your window. Complete files close on schedule, and our system flags anything missing the day it's missing so nothing surprises you at the end.
What you'll need
Income- Last 30 days of pay stubs
- W-2s, past two years
- Tax returns, past two years, every schedule
- Self-employed: 1099s, P&L, business returns
Assets- Two months of bank statements — all pages, even blank ones
- Retirement and investment statements
- Paper trail for any large recent deposit
Property and ID- Government photo ID
- Homeowners insurance declaration page
- Current mortgage statement, if refinancing
- Purchase contract, if buying
- HOA details, if there's an HOA
Your file may need more or less depending on program and income type. Underwriting usually comes back asking for one more thing — that's routine, and we'll walk you through it.
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5
Lock, close, done
Us: lock your rate, clear conditions, coordinate title and escrow, schedule the signing.
You: sign. A notary comes to wherever you are.
Locks run 15, 30 or 45 days depending on your closing date. Timing depends on the lender, appraisal turn times, title and the property — we'll give you a real date once we've seen the file and keep you posted if anything moves.
You'll likely skip a
mortgage payment or two.
Depending on when in the month you close, there's a gap before your first payment on the new loan comes due — often stretching across two calendar months. It's a real break for your cash flow, and worth understanding properly.
Payment timing depends on your closing date, your lender's first-payment schedule and the terms of the loan being paid off. Not every borrower gets a two-month gap and some get none. This describes how refinance payment scheduling generally works — it is not a promise of skipped payments, forgiven interest or reduced cost. Refinancing extends your repayment period and may increase the total interest you pay over the life of the loan even when your monthly payment goes down. Not a commitment to lend.
Complicated is what we're for.
Self-employed. A condo the last lender balked at. Income that's real but doesn't look like a W-2. None of that ends the conversation — it just changes which lender you belong at, and finding that lender is the job.
Conventional
Fannie · FreddieThe standard 30- and 15-year fixed, plus ARMs. As little as 3% down for qualified buyers, and mortgage insurance drops off once you reach 20% equity. FHA and VA available too — VA can be zero down if you've served.
Jumbo
Above conforming limitsFor California prices that outrun the conforming cap. Fixed and ARM options, competitive pricing on strong files, and lenders who'll look at a $3M purchase without treating it as an exception.
Non-QM: for income that's real
but doesn't fit a W-2 box.
Traditional underwriting reads tax returns. If you write off aggressively, get paid in distributions, or live on assets, those returns understate what you actually earn — and a bank reads that as "doesn't qualify." These programs read it properly.
Self-employed
For you if: you own a business, write off heavily, and your tax returns don't reflect your real cash flow.
We qualify you on 12 or 24 months of bank deposits instead of tax returns. Personal or business accounts, with an expense factor applied to business statements.
Asset-based
For you if: you're retired, between ventures, or asset-rich with modest reported income.
Your qualifying income is calculated from liquid assets — retirement accounts, brokerage, savings — divided across the loan term. No employment required.
Investment property
For you if: you're buying or refinancing a rental and don't want your personal income underwritten.
The property qualifies itself. We compare rental income to the payment — that ratio is the DSCR. No tax returns, no W-2s, no debt-to-income calculation on you.
Contractors
For you if: you're a contractor, agent, or gig worker paid on 1099s with business deductions.
We use your 1099 income directly with a simplified expense factor, rather than the full Schedule C write-down traditional underwriting applies.
Questions people ask us.
Will this hurt my credit score?
Am I signing up for anything?
How is your rate lower?
I'm self-employed — will my write-offs sink me?
Am I going to get hammered with calls?
How do you get paid?
What do I pay up front?
What are the rest of the fees?
Why the 48-hour document window?
How much do I actually have to do?
How do rate locks work?
How fast can you close?
Do I have to come into an office?
Are you licensed?
What happens to my information?
See your numbers.We'll take it from there.
Rate, APR, payment and fees — in writing, by email, same business day. No credit pull, no application, and a real person on the other end whenever you want one.
See my rate in writing 3 minutes · No credit pull