HomeRates.ai borrowers have already run their numbers with our AI before they post a scenario. They know the market rate. They know the right questions to ask. When they choose you — it's because your response earned it.
Borrowers post their loan details — price range, credit tier, timeline, state — without any personal info. You see real buying intent, not tire-kickers.
Submit your rate estimate and explain your value. The borrower compares your answer directly against what HomeRates.ai already calculated for them — so accuracy matters.
If the borrower chooses you, both of you get each other's contact info by email. No middleman, no CRM handoff, no 72-hour delay. Just a warm, mutual intro.
Browse borrower scenarios filtered by state and loan type. Respond with your rate estimate and why you're the right fit. Borrowers compare your quote against our AI benchmark — so accurate, honest responses win.
View LO Scenario Board →Borrowers asking about purchase scenarios often need an agent too. Respond to buyer scenarios in your market with your approach and buyer rep fee — upfront transparency is exactly what earns the intro.
View Agent Scenario Board →Before posting a scenario, every HomeRates.ai borrower has run their numbers through our AI. They know:
Create a free account in 60 seconds and start browsing live borrower scenarios. Pro subscription unlocks the LO dashboard, borrower management, and CMA tools.
Free to sign up and browse. Pro plan ($19/mo) unlocks the full LO toolkit. The borrower pays nothing. The only currency is a great answer.