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Compare 7 vetted lenders — apply in minutes with a single application.
No lenders match these criteria. Try broadening your filters — the closest fit may still be worth considering.
Our technology connects directly with lenders to submit your application where you're most likely to be approved — protecting your credit score and saving you time.
Apply where you're most likely to be approved. Our system analyses your profile against real lender criteria.
One soft credit check instead of multiple hard inquiries. We match you with lenders before they pull your full report.
Our technology is integrated directly with lenders. We handle the paperwork and submit your application to the right places.
We work with lenders who support a wide range of credit profiles, helping borrowers with past challenges access realistic financing options.
Get funded in three simple steps
Apply once through a secure online form in under 5 minutes. We'll ask about you, your funding needs, and basic financial information.
Our platform assesses your application against real lender criteria and routes it to the lender where approval is most likely.
Once approved, funds are deposited directly into your bank account — often within 24-48 hours.
Four gates, in the order a lender applies them.
The stress test. Federally regulated lenders qualify you at the greater of your contract rate plus two percent or the qualifying rate. You are approved on a payment you are not making, which is why bank approvals come in lower than borrowers expect.
Down payment and insurance. Under 20 percent requires default insurance. Between 5 and 20 percent, the premium is added to the mortgage rather than paid upfront.
Debt service ratios. Gross debt service covers housing costs against income. Total debt service adds every other obligation. Lenders publish thresholds and the total ratio is the one that fails most applications.
Income provability. The gate that sends most applicants to alternative lending. Self-employed and commission income is real and frequently unprovable in the form a bank requires.
| Tier | Who | When it applies |
|---|---|---|
| A lenders | Banks and federally regulated institutions | Provable income, strong credit, passes the stress test |
| B lenders | Trust companies, credit unions, monoline | Provable but non-standard income, or credit below bank thresholds |
| Private | Mortgage investment corporations, individual lenders | Equity-driven, short-term, when neither tier fits |
Rates rise across the tiers and so does flexibility. The tier is decided by which gate you fail, not by how much you want to borrow.
Fixed gives a known payment for the term and a penalty structure that can be expensive to exit. Variable moves with prime and generally carries a cheaper exit.
The exit penalty is the part most comparisons skip. Breaking a fixed mortgage early is calculated on an interest rate differential, which on a large balance can run into five figures. Breaking a variable is usually three months of interest. If there is a realistic chance of moving or refinancing mid-term, that difference frequently outweighs the rate gap.
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