Guided, not sold to.

Shop for a mortgage at your own pace. See the rate, work through the choices with guidance, and message a licensed advisor when you want one.

How rate shopping usually goes.

Most rate sites trade a quote for your phone number. Here is what tends to follow.

  1. 01

    You ask for a rate

    You fill in a form to see what a loan might cost.

  2. 02

    Your details are shared

    The form passes your name and number to lenders that pay for the lead.

  3. 03

    The calls start

    Sales calls and texts arrive, often for weeks, from people paid to close the sale.

How Lendid Direct works instead.

  • 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.

An advisor, not a sales call.

Every loan has an assigned, named, licensed Mortgage Advisor. You reach them by message, when you want a second opinion on a choice or a plain answer to a question.

Nobody is paid to convert you, so nobody is calling to sell you. You decide when to talk.

What borrowers say.

  • “As first-time homebuyers, we had no idea what we were doing, but Doug Eger made the entire process so smooth! He took the time to walk us through everything and was incredibly thorough in explaining all the details. No matter how many questions we had (and there were a lot!), Doug was always available and quick to respond. He made sure we felt confident and informed every step of the way. We honestly couldn’t have asked for a better lender to guide us through buying our first home. Doug went above and beyond, and we’re so grateful for his knowledge, patience, and support. Highly recommend him to anyone!”

    Austin & Shannon A. · Google,

  • “Doug was such a help and blessing throughout the whole home buying process! He was always super responsive, and extremely knowledgeable as we navigated what were the best options for our unique situation. He even came in person to meet us at closing!”

    Kellie L. · Google,

  • “Doug was fantastic to work with. He is knowledgeable, professional, quick to respond, and helps navigate you through the process keeping your best interest in priority each step of the way. I will absolutely use him for my mortgage needs again!”

    Jacob D. · Google,

  • “Trey Was very patient and knowledgeable. He always answered any questions that I had and his response time was very prompt. He shared videos to replay our conversation details and the next steps in the lending process.”

    Andrea J. · Google,

These reviews are for Lendid Home Loans, the Lendid team behind Lendid Direct. Lendid Direct is new, and its own reviews will appear here as they come in.

Licensed and on record.

Lendid Direct is licensed through the Nationwide Multistate Licensing System. Look up our license, and any lender’s, on NMLS Consumer Access.

NMLS #1470572 · NMLS Consumer Access · See how it works

See your rate.

No credit check.No phone number.

Equal Housing Opportunity
NMLS 1470572Lendid Loans, LLC · NMLS #1470572

Rate disclosures

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

Each rate card on this site states the scenario it is based on and the time the rate was retrieved. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

Your actual rate, APR, points, and monthly payment depend on credit, property, occupancy, loan amount, loan-to-value, and program eligibility, and are confirmed only after underwriting.

APR (Annual Percentage Rate) reflects the total cost of borrowing including certain fees and closing costs, expressed as a yearly rate. APR may differ from the interest rate.

Closing timelines vary by file and by third parties including appraisers, title, and insurers. Refinancing may increase the total cost of your loan over its life.

Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.