Buying
Buy now or wait for rates to fall?
No one knows when rates will fall. Here's how to weigh buying now against waiting, and what a later refinance really costs.
OCT 2026Your home loan, with a clear rate.
See my rates
No credit check. No phone number.
From offer to keys.
01
Compare live rates and get pre-approved
Every program side by side, with points and credits shown before you commit.
30-year fixedExample
Your rate
Points
Monthly
Est. loan payment
Loan amount
Down payment
Rate lock
02
Apply online, on your schedule
One application that saves as you go. Add the property once your offer is accepted.
Step 2 of 3 · Income67%
W-2 employee
Northwind Health
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Saving…SavedContinue
03
Track everything to closing
Your current stage, what is needed next, and a place to ask questions if you have them.
Step 2 of 5 · Underwriting
ProcessingClosing
Needed from you
Upload homeowners insuranceUpload
Appraisal ordered
Questions about your file?Message us in-app
Guided, not sold to.
Rates without the gate
See today’s rates for your scenario. No credit check. No phone number.
Guided loan structuring
Our software walks you through each choice across multiple wholesale lenders, with the tradeoffs shown side by side.
A Mortgage Advisor at the ready
Every loan has an assigned, named, licensed Mortgage Advisor you can message when you want a second opinion.
Nobody is paid to convert you
Shopping here doesn’t set off weeks of sales calls and texts.
Licensed under NMLS #1470572 · NMLS Consumer Access · Why Lendid Direct
Start where you are.
Pick the one that sounds like you. We'll take it from there.
Calculate the possibilities.
Estimate a payment, see what you can afford, and check whether a refinance pays off. No sign-in, no credit check.
Learn before you borrow.
Refinancing
Should I give up my low rate? Cash-out vs keeping your mortgage
A cash-out refinance replaces your whole mortgage at today's rate. Here's how to tell whether that beats keeping your low rate and borrowing another way.
OCT 2026
Buying
How to get pre-approved for a mortgage, and what sellers want to see
A pre-approval shows sellers a lender has checked your credit and documents. Here's what you need, how long it lasts, and how to keep it on track.
OCT 2026See your rate.
No credit check.No phone number.