Every loan gets its own agent
Your mortgage just got its own agent.
We assign an AI agent to your loan. Once a day it checks your loan against current market rates and available lender pricing — and only alerts you when switching genuinely pays.
FREE · NO CREDIT PULL · ANONYMOUS
$18,720 over 5 years, near today’s typical 30-yr rate
You’re near today’s typical rate.
That’s exactly when an agent matters — it will alert you the moment the market drops below your rate.
Free · 3 minutes · No credit pull
Estimate compares your inputs to a typical 30-yr fixed rate (6.52%) over 25 years. Illustrative only — not a loan offer.
above this week’s typical 30-yr rate — that’s the headroom your agent shops with.
Your quote is at or under this week’s typical rate.
Strong. Your agent’s job now: confirm nobody beats it before you sign — quietly, with no credit pull.
Free · 2 minutes · Your quote stays on the table
Compares your quoted rate to this week's typical 30-yr fixed rate over 30 years, before points and fees. Illustrative only — not a loan offer.
How it works
Every loan gets its own agent.
STEP 01
Tell your agent about your loan
Balance, rate, ZIP, property type. About 3 minutes. No SSN, no credit pull.
STEP 02
It watches the market daily
Once a day, your AI agent checks your loan against current market rates and available lender pricing. You stay invisible the whole time.
STEP 03
One alert, when it’s real
Monthly savings, fees, breakeven — math already done. Take it, or keep watching. Your call.
Your quote gets its own agent.
STEP 01
Tell it what you were quoted
Loan amount, rate, points, ZIP. Two minutes. No SSN, no credit pull — and your current quote stays on the table.
STEP 02
It compares your quote — not your name
Your agent checks your quote against current market rates and available lender pricing — profile shape only, never your name. Nobody gets your number; nobody calls.
STEP 03
A straight answer
“Sign it — your quote is solid,” or “hold on — this beats it by $184/mo.” Fees compared, math done, your call.
What an alert looks like
No noise. One message when the math works.
No daily emails, no dashboards to check. When your agent confirms an offer that clears your savings threshold, you get one concise alert — with the decision already framed.
A match worth $318/mo just appeared.
Your agent spotted market pricing at 5.625% — 0.795 below your current rate. Breakeven on closing costs: about 14 months. Share your profile to request real offers?
What the report looks like
One honest report. Sign, or don’t.
Within a day, your agent reports back. If your quote is the best out there, it says so and gets out of your way. If it isn’t, you see exactly what beats it — rate, points, and fees, side by side.
A lender beats your quote by $184/mo.
Your agent found 6.125% + 0.6 points available in the market — against the 6.625% + 1 point you were quoted, same loan amount, fees compared line by line. Want to request an official Loan Estimate to put next to yours?
No credit pull
Estimates use the numbers you give us. Your FICO never knows we exist.
Anonymous by default
Lenders see a profile shape — never your name or number — until you opt in.
Free, actually
No card, no trial, no premium tier. The service costs you nothing.
Leave anytime
Pause your agent or delete everything we have in one tap.
How we make money
You never pay, and we never sell your contact information. Our model: participating lenders pay a flat monthly subscription to be part of the network — not per lead, not per closed loan. Payment never decides which offer ranks first; comparisons use neutral mortgage math only.
Fair questions
Is it actually free?
Yes — you never pay anything, and we never sell your contact information. Our model: participating lenders pay a flat subscription to be part of the network — never a fee per lead or per closed loan, and paying never affects how offers are ranked.
Will lenders call me?
No. You’re anonymous until you approve a specific offer. No lists, no lead-selling, no surprise voicemails.
Who’s actually doing the work?
An AI agent assigned just to your loan. Checking the market against your loan every single day is work no human would do for free — software will. You only hear from it when the math works.
Does this touch my credit?
No. Estimates use the numbers you type in. A credit check only ever happens later, with a lender you chose.
My rate is already good — pointless?
That’s the best case for an agent: do nothing, and if the market ever beats your rate by enough to matter, you’ll know.
I already have a Loan Estimate — is it too late?
A Loan Estimate is a quote, not a contract. Until you close, you can switch lenders — and the days right after you get one are the best time to compare, because your numbers are fresh and lenders know you’re serious.
Will comparing slow down my closing?
No. Your current lender keeps working your file while your agent shops. If something genuinely better shows up, you’ll see the switching trade-offs — timing included — before you decide anything.
Doesn’t rate shopping hurt my credit?
Comparing here uses no credit pull at all. And when you do let lenders pull credit, scoring models count all mortgage inquiries within a ~45-day window as a single inquiry. More on this.
It takes three minutes
Three minutes now. Years of not thinking about it.
Before you sign anything
You’ll pay this loan for 30 years. Spend three minutes checking it.
Free · No credit pull · Anonymous until you opt in