Got a quote elsewhere?
Get a second look.

A Second Look is a free, no-obligation review of a mortgage quote or Loan Estimate you already have from another lender. You send us the Loan Estimate, and within 24 hours we tell you — honestly — whether we can beat the rate, fees, and structure, or whether the deal in front of you is already strong. There's no application required to get a Second Look.

We respond to Second Look requests within 24 hours on business days. Because we shop your scenario across a full wholesale lender network rather than a single lender's rate sheet, we can usually tell you quickly whether there's room to improve on your current offer.

No. A Second Look is completely free and requires no hard credit pull. We review the Loan Estimate or quote you send us and give you a straight assessment. You only move forward if — and when — it makes sense for you.

The most useful document is the Loan Estimate (LE) from your other lender — a standardized three-page form that shows your rate, monthly payment, closing costs, and cash to close. A rate quote, fee worksheet, or screenshot works too. The more detail you share, the sharper our comparison.

Often, yes. A denial from one lender doesn't mean the door is closed everywhere. We shop across 100+ lenders with different guidelines — including non-QM, bank statement, and DSCR programs — so a file that stalled elsewhere frequently finds a path with us. Send it over and we'll give you an honest assessment.

Not at all. Plenty of Second Looks end with us telling you your current offer is genuinely good — and we'll say so. Our goal is to make sure you're not leaving money or a better structure on the table. There's zero obligation to move your loan to us.