Your mortgage deserves a second opinion.

No. Reviewing your mortgage statement never touches your credit. If you decide to move forward, we start with a soft inquiry, which doesn’t affect your score. A hard inquiry only happens when you formally apply — and credit bureaus count multiple mortgage inquiries within a 45-day window as a single inquiry, so shopping around doesn’t penalize you.

Sometimes — and sometimes not. It depends on your current rate, your balance, how long you plan to stay in the home, and the costs involved. That’s exactly what the free review answers: we calculate your break-even point in writing. If the math doesn’t work in your favor, we’ll tell you to keep the loan you have.

Your free review takes one business day. If you choose to proceed, most of our refinances close in two to four weeks. You’ll know your options — and every deadline — before you commit to anything.

Yes — every refinance has costs, typically 2–5% of the loan amount. They can often be rolled into the new loan or offset with lender credits, so little or nothing comes out of pocket. Your review lists every cost line by line, plus the break-even point, so you can judge whether the savings justify them. “No-cost” offers that hide fees in the rate are exactly what we help you avoid.

Just your most recent mortgage statement to start — that’s enough for a meaningful review. Your homeowner’s insurance declaration page and property tax statement help us be more precise, but both are optional. If you move forward, we’ll give you a short, simple checklist for the rest.

Yes. Your documents are encrypted in transit (TLS) and encrypted at rest, stored in private, access-controlled cloud storage. Files are never given public links, only licensed team members can view them, and we’ll delete them whenever you ask. We never sell your information.