Free rate check · No credit pull
Know your numbers first.
Send us the quote you already have. We price the same scenario across 100+ wholesale lenders and hand you both sets of numbers side by side, fee by fee. Sometimes the answer is “keep the quote you have.” We'll say that too.
- No admin or processing fees from us. Every fee you pay is on your Loan Estimate.
- Even 0.25% on a $400,000 loan is roughly $24,000 over the life of the loan
- Takes two minutes: upload the quote or type in the basics
- A licensed advisor reviews it personally, usually the same business day
NMLS# 2432130 · Guthix Lending • NMLS# 2672037 · Equal Housing Lender
The fee line, in writing
No admin fee. No processing fee.
A quote that looks cheaper on rate usually gets expensive on the lines nobody reads. These are the two we're talking about. Ours are zero.
Admin fee
$0
Some lenders call it an application or admin fee. It's a line on the Loan Estimate that buys you nothing.
Processing fee
$0
Often $995 to $1,495 on a big-lender quote, sitting under Origination Charges where most people never look.
Third-party costs still exist on every mortgage: title and settlement, appraisal, prepaid taxes and insurance, and transfer taxes. Those appear on your Loan Estimate too, and nothing gets added after it.
How the rate check works
Three steps. Zero pressure.
1. Send us the quote
Upload the Loan Estimate your lender gave you, or just type in the loan amount and rate. Either works.
2. We run the same numbers
Your scenario gets priced across our wholesale network, then the two Loan Estimates go side by side. Same program, same loan, line by line.
3. Get a straight answer
If we can beat it, you'll see exactly by how much. If your quote is strong, we'll tell you to keep it, and mean it.
Why we can say this with a straight face: as a brokerage we don't need to win every deal. We need to be the team you trust next time. An honest “your quote is good” costs us nothing and earns us everything.