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Mortgage matching for purchase, cash-out and refinance

Compare Mortgage Rates from Multiple Lenders in Minutes

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Step 1 of 520%

Where should the lender reach you?

Fill in all 5 fields below, then tap Continue.

Next: What are you looking to do?

One simple form connects you with trusted lenders competing for your business. See personalized rate options without affecting your credit score.

  • $0 to use, and no fee at closing
  • 5 questions, about 2 minutes
  • 1 broker calls you, not 20
  • 0 credit checks to get matched

LendULab is not a lender and does not make credit decisions.

Bank-level encryptionSoft credit check onlyNo application feeMultiple lender network

What you can ask us about

Three questions.
Three very different answers.

A broker who spends their week on purchase files is not the one you want pricing a cash-out. Tell us which of these you are asking, and that is the desk your details go to.

Buying

A new home

You have a property in mind, or you are about to start looking. A broker works out the loan you can document — not a round number off a calculator — so your offer holds up.

Start this
Before you make an offer
4 programs in play
Conventional, FHA, VA, USDA
Start a purchase

Borrowing against equity

Cash out of your home

You keep the house and take part of its value out as cash. Most people use it to clear higher-rate debt, pay for repairs, or cover a bill they would otherwise finance at card rates.

Most programs cap at
80% of the home's value
Replaces
Your existing mortgage
Start a cash-out

Replacing your loan

A lower rate or payment

Same loan balance, different terms. Worth asking about when rates sit below the one you signed, or when you want the balance gone sooner than your current schedule allows.

2 ways to do it
Cut the rate, or cut the term
Broker re-checks
Rate, term and closing costs
Start a refinance

How we match you

How it works

Three steps, and the first one takes about two minutes.

One

Tell Us About Your Needs

Complete a short online form with details about your property, loan amount, and financial profile. It takes just a few minutes and won't affect your credit.

What we ask, in order

  1. Where should the lender reach you?
  2. What are you looking to do?
  3. Tell us about the property
  4. The numbers
  5. About you

Estimates are fine on the money questions — a broker re-verifies every figure before it becomes a quote.

Two

Receive Personalized Offers

Lenders in our network review your information and provide rate quotes tailored to your situation. Compare terms, rates, and estimated monthly payments side by side.

What the broker receives

  • What you are trying to do, and the property's ZIP code
  • Property type and whether you live in it
  • Value and current balance, as bands rather than exact figures
  • Credit band, employment, and whether VA eligibility applies
  • Your name, email and mobile number

We do not sell your details to a list of lenders — which is the usual reason a mortgage enquiry turns into a week of phone calls.

Three

Choose Your Lender

Select the offer that works best for you. Connect directly with your chosen lender to finalize your application and move toward closing on your mortgage or refinance.

What the first call covers

  • The programs you can document, and the ones you cannot
  • A rate and payment range, with the assumptions behind it
  • Closing costs, and which of them are negotiable
  • What paperwork a full application would need from you

Nothing is committed on that call. Rates and approval are the lender's decision, not ours.

Thousands of stories like yours.

4.8 out of 5 across verified client feedback, on purchase, cash-out and refinance files alike.

Locked in a rate a full point below my current mortgage. Saves us $310 a month, and I only spoke to one person the entire time.
Rachel D.Indianapolis, IN
Closed in 23 days. Smoother than my original purchase, and nobody called me who I had not agreed to talk to.
Andre M.Birmingham, AL
Took five minutes to fill out. My broker called that afternoon already knowing exactly what I was trying to do.
Sophia G.Reno, NV

Before you start

Questions, answered clearly.

These 6 come up before anyone fills the form in. If yours is not here, the broker we match you with can answer it on the first call.

No. LendULab uses a soft credit inquiry to match you with lenders, which does not impact your credit score. Only when you formally apply with a lender and authorize a hard credit pull will your score be affected.

Start with the property, not the paperwork.

LendULab passes what you enter to one licensed broker and stops there. If you would rather talk it through first, email support@lendulab.com.

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