The mortgage-shopping platform · Refinance and purchase
Shop your mortgage without becoming a lead.
One submission. Multiple mortgage options shopped behind the scenes. One licensed team that answers for everything, and your information is never sold to competing lenders.
Four ways to structure the same loan.
The lowest rate is not automatically the best deal. Every option trades upfront cost against monthly payment, and the right answer depends on how long you keep the loan.
Lowest Rate
Live pricing for this option publishes during market hours.
Pay more upfront for the lowest rate and payment.
Best if you plan to keep the loan for many years.
Lower Rate
Live pricing for this option publishes during market hours.
A middle ground: some points, a lower rate.
Best balance if you want a lower payment without the full buydown cost.
Standard Option
Live pricing for this option publishes during market hours.
The balanced baseline with minimal points or credits.
Best for apples-to-apples comparison, or if your plans are uncertain.
Lower Closing Costs
Live pricing for this option publishes during market hours.
The lender credits part of your closing costs; the rate is a bit higher.
Best if reducing cash to close matters most, or you may move or refinance within a few years.
What are you trying to do?
Lower my payment →
Reduce your monthly payment or shorten your term without restarting your financial life.
Take cash out →
Turn equity into funds for debt consolidation, projects, or big expenses, honestly compared.
Compare an offer →
Already have a Loan Estimate or quote? Get a free second opinion before you commit.
Explore home equity →
HELOC, home equity loan, or cash-out refi: understand which structure actually fits.
Check today’s rates →
See how rate, points, and credits trade off across four clear options.
Buy a home
Purchase tools are coming to the platform. Have a purchase offer already? A second opinion works today.
How it works
Tell us once
Share your scenario or upload the offer you already have. No account, no hard credit pull.
We shop behind the scenes
A licensed team compares wholesale options for your scenario and structures the real choices.
You get an honest verdict
A clear, human-reviewed recommendation. A better option, a better structure, or keep what you have.
This is not a lead marketplace.
Most comparison sites sell your form to multiple companies the moment you hit submit. That is why the calls never stop. We work differently.
Learn the trade-offs in plain English.
All guides →4 min read
How mortgage points work
What you are actually buying when you pay points, and when it pays off.
4 min read
What lender credits are (and are not)
How trading a slightly higher rate for lower closing costs really works.
5 min read
How to compare Loan Estimates
The three-page federal form makes lenders comparable, if you know where to look.
If your offer is already strong, we will say so.
A second opinion only means something when it can come back "keep what you have." Ours can, and does. That is the whole point of a verdict.
Get a second opinionCommon questions
Do you sell my information to other lenders?
No. Your information stays with one licensed team. We are not a lead marketplace, we do not run an auction, and submitting here never triggers calls from other companies.
Does checking my options affect my credit?
No. Reviewing rates or getting a second opinion on an offer requires no hard credit pull. A credit check only happens later, with your explicit authorization, if you decide to move forward.
How does the platform make money?
RateVerdict is operated by a licensed mortgage broker, F5 Mortgage LLC. Like every broker, we are compensated through the loan if you choose to proceed with us. Reviews are free and carry no obligation, and we are never paid for selling your contact information.
What if my current offer is already good?
Then we will tell you exactly that. An honest "keep what you have" builds more trust than a forced alternative, and it is a designed outcome of every review we do.
Which states do you serve?
California, Colorado, Florida, Georgia, Michigan, Ohio, Pennsylvania, South Carolina, Texas, and Virginia.