Points · JUL 2026
Apply, see your exact rate, and lock it — without talking to anyone.
See today’s rate for your scenario in 30 seconds — no signup, no credit check. Then apply online and lock your exact rate yourself, in one sitting.
How it works
The whole thing is self-serve, start to finish — and you see real numbers before you tell us who you are.
Open the rate tool and see today's rate for a scenario like yours. No signup, no credit check, no phone number.
You get an assigned mortgage advisor
Self-serve doesn’t mean on your own. A licensed advisor is assigned to your loan and reachable by message the whole way — and when we contact you first, it’s because something is genuinely waiting on you.
Your advisor
Screen capture coming
- Assigned, and named.
- One licensed person owns your file. You'll see their name, title, and NMLS number in your dashboard from the start — not a queue, and not whoever happens to pick up.
- Licensed, so they can actually answer.
- Ask whether paying points is worth it in your situation, or what a line on your Loan Estimate means, and you get a real answer rather than a transfer to someone else.
- You'll hear from us at milestones, and when something's yours to do.
- We email you when your loan moves — your approval, your lock, clear to close — and when there's a document to send or a decision to make. What you won't get is a sales call.
The loans we offer
We do one thing today: refinancing, conventional and Jumbo. The rest is on the way — if we can’t do your loan yet, we’d rather you know before you apply.
Conventional refinance
Loans to $832,750
Jumbo refinance
Above $832,750
Cash-out refinance
Conventional & Jumbo
FHA refinance
Coming soon
VA refinance
Coming soon
HELOC
Coming soon
Purchase
Coming soon
How we think this should work
We built this around a few beliefs about how getting a mortgage should go. They’re also why the rate is lower.
You should see real numbers before anyone asks who you are. Most lenders trade a rate quote for your phone number. We show the rate first — you decide if it’s worth your time.
Software should do the process work. The steps a loan officer would walk you through by phone happen inside the application itself — nobody bills hours for them.
Nobody should be paid to convert you. We don’t pay for branches or a sales team. Your advisor is there to guide your loan — not to sell it.
A loan that costs less to make should cost you less. A traditional lender’s spending — salespeople, offices, manual hours — has to come out of your rate. Software took most of that out; we charge less and still run a healthy business.
Know what you’re signing
Plain-English guides to the parts of a refinance that cost you money — written to answer the question, not to sell you.
Questions people actually ask
Are the rates on this page real?
Yes. They come from the same live pricing we use inside the application, pulled for the example scenario described under the cards, with the pull time shown. They're not teasers — but they're priced for that example, not for you. Your own numbers can be better or worse depending on your credit score, loan size, and home value. The rate tool shows a rate for your scenario without any signup.
What does it cost to get one of these rates?
Each card says so plainly: a card marked "1 point" means you pay that dollar figure at closing to get that rate, and the "0 points" card is the same loan without that cost at a somewhat higher rate. Beyond points, a refinance has normal closing costs — title, appraisal, recording — which you'll see itemized before anything is final. The APR under each rate folds those costs into one comparable number.
Do I have to talk to anyone to close?
No. The application, the rate lock, and everything up to closing signing happens online, on your own schedule. You're assigned a licensed mortgage advisor you can message the whole way, and we'll email you when something needs your attention — but nothing waits on a callback, and nobody is calling to sell you.
How fast is it, honestly?
Seeing a rate for your scenario takes about 30 seconds and no signup. The full application is built to be finished in one sitting — most of it is answering questions you know cold, and connecting your bank and payroll accounts replaces document uploads. After you lock, a refinance typically takes a few weeks to close; you can watch every step of it in your dashboard.
Who actually lends the money?
We're a mortgage broker, not the bank: we find the loan and run the process, and a wholesale lender funds it — that lender's name appears on your closing documents. Wholesale lenders don't pay for branches or sales teams, which is a real part of why the rate can be lower. The brokerage is Lendid Loans, LLC, a licensed Texas mortgage broker, NMLS #1470572.
What if my situation doesn't match the example?
It probably doesn't — the cards show one representative scenario so the numbers mean something. The rate tool exists for exactly this: enter your own loan amount, home value, and credit range, and see a real rate for that scenario in about 30 seconds, with no signup and no credit check. Your final rate is priced from your actual application when you apply.
