Off-market sellers expect proof of funds before they unlock the door. Get a soft-pull pre-approval letter, lock today's rate, and shop with leverage — without a hard credit hit.
3 min
Average application
Soft pull
No credit impact
120+
Lender network
Today's Rates
30-Yr Fixed
APR 6.60%
6.54%
15-Yr Fixed
APR 5.96%
5.86%
7/1 ARM
APR 7.03%
6.09%
FHA 30-Yr
APR 7.18%
6.22%
Jumbo 30-Yr
APR 6.78%
6.69%
VA 30-Yr
APR 6.24%
6.05%
Rates shown are sample averages and not a commitment to lend. Your actual rate depends on credit, loan-to-value, occupancy, and product.
Calculator
Drag the sliders to see your real monthly payment, principal, interest, and lifetime cost. Numbers update instantly.
Estimated monthly
$3,259
Loan amount
$520,000
Total interest
$653,400
Total paid
$1,173,400
Why now
When a property never hits the public market, the seller is choosing you. A pre-approval letter signals you're real — and gets you to the table first.
Get your number without bruising your credit. Shop confidently for 90 days.
Float-down options available. If rates drop before close, you drop with them.
We shop 120+ banks, credit unions, and brokers — you pick the best offer.
Pre-approval
A licensed loan officer reviews your file and follows up within one business day with a pre-approval letter and competitive rate quotes.
Submit basic info
Soft credit pull, no impact on your score.
Document review
We'll request income and asset docs securely.
Letter delivered
Use it to make offers on any HiddenHomes listing.