Compare Your Home Loan Options in 60 Seconds
Buying, refinancing, or tapping your equity? Answer a few quick questions and compare options from 150+ lending partners, with no impact to your credit score.
- No income documents needed*
- No appraisal required*
- Funds in as few as 5 days*
One place to compare every type of home loan
Whether you're buying, refinancing, investing, or self-employed, we'll match you with programs that fit your situation.
Buy a Home
Financing for first-time and repeat buyers, with low down payment options for qualified borrowers.
Get Cash From Your Home
Turn your equity into cash for debt payoff, renovations, or big expenses. We'll compare a cash-out refinance against a HELOC so you can keep a low first-mortgage rate if you have one. Select HELOC programs need no income documents or appraisal, with funds in as few as 5 days.*
Lower Your Rate or Payment
Refinance to a new rate or term that may lower your monthly payment, remove mortgage insurance, or pay off your home sooner.
VA Loans
Purchase, refinance, and cash-out programs for eligible veterans, active-duty service members, and surviving spouses.
Self-Employed Loans
Qualify using 12–24 months of personal or business bank statements instead of tax returns. Ideal if write-offs lower your taxable income.
Investment Property (DSCR)
Buy or refinance rental properties based primarily on the property's rental income, not your personal income or tax returns.
Your options in 3 simple steps
No paperwork, no credit pull, and no pressure. Just clear answers from a licensed professional.
Answer a few questions
Tell us about your goals, your property, and your income type. It takes about 60 seconds.
We match your programs
We compare programs across 150+ lending partners, from conventional and VA to DSCR and bank statement loans.
Talk to a loan officer
A licensed loan officer walks you through your options so you can choose with confidence.
One quick form instead of calling bank after bank
Many banks only offer a few loan types. We compare programs across a large lending network.
| CompareMortgageOptions | Going to one bank | |
|---|---|---|
| Lending partners compared | 150+ | 1 |
| DSCR & bank statement programs | ✓ | Often not offered |
| Time to see options | ~60 seconds | Days |
| Credit check to compare | None | Often required |
| Cost to compare | $0 | $0 |
Frequently asked questions
Still deciding? Here's what borrowers ask most.
Will this affect my credit score?
No. Comparing options with us does not require a hard credit pull. A credit check only happens later if you decide to move forward with a loan application.
What's the difference between a HELOC and a cash-out refinance?
A cash-out refinance replaces your current mortgage with a new, larger loan and gives you the difference in cash. A HELOC is a separate line of credit on top of your existing mortgage, so you keep your current first mortgage and rate. If your current rate is low, a HELOC is often worth comparing.
Do I need income documents or an appraisal for a HELOC?
Not always. Select HELOC programs let qualified borrowers skip income documents and a traditional appraisal (the home's value is estimated electronically), with funds available in as few as 5 days after approval. Eligibility depends on your credit, equity, property, and state, and funding times vary. We'll tell you which options fit your situation.
I'm self-employed. Can I still qualify?
Yes. Bank statement loans let self-employed borrowers qualify using 12–24 months of personal or business bank statements instead of tax returns, which helps if your write-offs lower your taxable income.
What is a DSCR loan?
A DSCR (debt service coverage ratio) loan is for real estate investors. It qualifies you mainly on whether the property's rental income covers its mortgage payment, rather than on your personal income or tax returns.
Who is eligible for a VA loan?
VA loans are available to eligible veterans, active-duty service members, and some surviving spouses. Your loan officer can help you confirm eligibility and obtain your Certificate of Eligibility.
How much do I need for a down payment?
It depends on the program, your credit, and the property. Several programs offer low down payment options for qualified buyers, and some VA programs may not require one. Your loan officer will give you exact numbers.
Is there any cost or obligation?
No. Comparing your options is completely free, and you are never obligated to accept any offer.
Is my information safe?
Yes. Your information is encrypted in transit and is never sold to third parties. See our Privacy Policy for details.
Find the right loan for your next move
It's free, takes about 60 seconds, and won't affect your credit.
Compare My Options Now →