A short eligibility check — no paperwork, no phone call — is now the first step most homeowners take before ever speaking with a lender.
If you own a home, there's a decent chance your current mortgage no longer reflects your actual financial picture — whether that's your rate, your loan type, or how much equity you've built up. The catch is that most homeowners never find out, because they assume checking means a hard credit pull, a sales call, or hours of paperwork.
That's not how it works anymore. A growing number of homeowners are starting with a short eligibility screen — a handful of questions about the home and the loan — before deciding whether it's worth a real conversation with a lender. It takes under a minute and doesn't require any documents.
Mortgage terms move with the broader rate environment. Homeowners who haven't checked in a while sometimes find their situation has changed without realizing it.
Rising home values mean many owners have more equity than they think — which can open up options like cash-out refinancing or dropping mortgage insurance.
Switching loan type, consolidating debt, or shortening a term can matter as much as the interest rate itself — which is why a full check is worth it.
No. The eligibility check on this page does not involve a credit inquiry. If you choose to proceed with a specific lender afterward, they'll explain their own process before doing anything that could affect your score.
Yes. Checking your eligibility and viewing matched options costs nothing. Any costs associated with an actual loan would be disclosed directly by the lender you choose to work with.
Based on your answers, you'll be connected with our lending partner's network to view lenders licensed to operate in your state. You're never obligated to move forward with any of them.
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