Post your mortgage scenario anonymously. Loan officers on HomeRates.ai respond with their rate estimate and approach. You compare their answers against what our AI already told you — and invite the one who earned your trust.
Share your loan type, price range, down payment, income range, credit tier, and timeline. No name. No address. No SSN. Just the scenario. Takes 60 seconds.
Loan officers on HomeRates.ai review your scenario and respond with their rate estimate, their approach, and their NMLS number. You see who's being honest — because HomeRates.ai already told you what the right answer looks like.
Pick the LO whose response matched your analysis. One click sends both of you each other's contact info. They already know your situation. You already know they're straight with you. No surprises.
Lead aggregators like Zillow, LendingTree, and BankRate collect your info and sell it to dozens of lenders simultaneously. You get flooded with calls within minutes — from lenders who know almost nothing about your situation.
This is exactly what loan officers see on the board. No borrower identity — just the scenario they need to respond to intelligently.
That's it. No name. No address. No credit score. Just enough for a serious LO to give you a real answer.
"For a 20% down conventional at your credit tier in CA, you're looking at 6.5–6.75% at current FRED rates. I'd lock within 45 days of closing. No points needed at this LTV. I can pre-approve in 24 hours and close in 28 days."
"I can get you 5.99% on a 30-year fixed. Call me to discuss your options and we can get you pre-approved today."
HomeRates.ai shows you what the market rate is for your scenario. You can tell immediately who's quoting points, who's being vague, and who's straight with you.
Post your scenario anonymously. See who responds honestly. Choose who earns the introduction. 100% free for borrowers.
Post My Scenario — Free →No account required to browse · Sign up free to post
Professional credential disclosure: Loan officers and other professionals on HomeRates.ai self-identify their role and license information. HomeRates.ai does not independently verify credentials, licenses, or affiliations. Users are responsible for independently confirming that any professional they engage is properly licensed in their state. Verify via NMLS Consumer Access →