RateReveal
Whether you’re just starting or already have a Loan Estimate — get clear, unbiased guidance on every mortgage path.
Whether you’re just starting or already have a Loan Estimate — get clear, unbiased guidance on every mortgage path.
Most borrowers are pointed in only one direction. RateReveal’s Mortgage Consultant helps you explore every realistic path — purchase, refinance, construction, investment, DSCR, government, jumbo — and understand which actually fits your goals, credit, and timeline.
Click or drag to upload your Loan Estimate (PDF) — key fields will be auto-extracted when possible
Get guidance to improve your score before closing so you can qualify for better products and rates. Focus areas include utilization, collections strategy, and mid-process credit refreshes.
Credit Coach: Tell me your current credit score, approximate utilization on revolving accounts, and whether you have any collections or late payments. I’ll outline practical steps (including FCRA rights) that may help you improve pricing before your loan closes.
Educational only. Not legal or credit-repair advice. Always verify with a licensed professional and your lender.
Connect with RateReveal-subscribed mortgage brokers in your area. These are warm, in-process clients — not cold leads.
Lenders and originators often recover a ~1% cost either as an origination fee (paid upfront or at closing) or by stacking it into a higher interest rate (typically ~0.25% higher rate for 1 point equivalent).
The analysis above shows your effective comparison and estimated break-even.
Mortgage Broker: Shops your file across many wholesale lenders. Often the best rates and fees because of competition. Compensation is disclosed (typically 1–2.75% total, lender-paid or borrower-paid). Ideal for most purchase, refi, and complex scenarios.
Correspondent Lender: Hybrid — funds the loan then sells it. Can offer competitive pricing and more control than pure retail. Good middle ground.
Retail (Banks/Direct): One product shelf. Rates often include higher markup for branch overhead and marketing. Best for portfolio jumbo, construction relationships, or when you want in-branch service. Usually higher cost than wholesale channel.
For most borrowers seeking the best deal, a licensed independent broker provides the most transparency and shopping power.
Basic comparison is free. Unlock full analysis and product guidance.
Everything in Basic + product paths + Credit Coach AI + local broker matching
$29.99/mo or $249/year
Monthly YearlyReceive warm, in-process borrower leads from RateReveal users seeking a second opinion in your geo area
$79/mo or $749/year
Monthly YearlyLicensed mortgage broker tool for honest transparency and product clarity.