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 — takes 60 seconds. No credit card, no monthly fee to browse and respond.
HomeRates.ai is free for professionals to browse and respond. The borrower pays nothing too. The only currency is a good answer.