MortgageCS quote request process

The most streamlined way to receive ultra-competitive mortgage rates.

 Step 1. Tell us about your situation

Create your purchase or refinance quote request in five minutes. It’s safe, secure and your personal information is always within your control. No social security number or credit pull required.

No More Bait-n-Switch
Lenders will give you rates that don’t make wild ‘best case’ assumptions.
Rock solid security
We use 256-bit encryption to keep your data and communications secure.

Step 2. Receive offers from verified lenders

Our verified lenders and brokers personally review your request and provide ultra-competitive loan terms.
They compete for your business transparently and see each other’s offers from the start.
This means you get their best offer up front, with no negotiation necessary!

If you create your request during business hours you can receive multiple offers within minutes!
MortgageCS will keep you updated via email and SMS whenever you receive a new offer or message.

Step 3. Connect and go

Once you find the best loan offer for your situation, you simply click to get connected.
You are never obligated to complete a loan just because you chose to be connected to a lender or broker.
MortgageCS saves up to 90% of the time it takes to shop for an ultra-competitive loan!

Data driven decisions
Use our detailed market insights to make the best choices.
Collaborate
Include your advisor, attorney or other professionals in the decision-making process.
Communicate Efficiently
Message back and forth while keeping the communications organized.
End any time
Close your quote quest at any time. Lenders will be unable to contact you moving forward.

Submit your quote request today

MortgageCS is available on an invite-only basis for individuals. If you have already been invited, click below to login. Otherwise, contact your financial advisor, real-estate agent or business to request access.

Frequently Asked Questions

We’re (overly) committed to being fully transparent about our platform.

How is MortgageCS different than other online sites?
There’s a big difference. Most mortgage price quote websites are really just marketing tools to generate lots of leads. When you click the “I Agree” button you give up your right to privacy. They sell your contact information to multiple lenders who will email and robocall for months. Yikes!

With MortgageCS you input your loan requirements without unnecessary personal information. You compare your rate quotes, and then you decide which loan officer to contact. Our privacy protection and two-factor authentication provide the highest level of online security. And you choose whether to communicate live with the loan officer or start with an email exchange. You’re always in control as you get the details you need to make your final decision.

Does MortgageCS charge any "upfront fees"?
MortgageCS does not charge any kind of fee for the service of matching borrowers with lenders. In addition, no lender will ask you for any upfront fees to “guarantee” or “insure” a loan. Beware if you are asked for a fee or “insurance” before completing an application with a loan officer. No legitimate lender does this.
Where does MortgageCS find lenders with ultra-competitive rates?
Qualified lenders are referred to us through our extensive network and are manually verified by our team of professionals to ensure they meet or exceed our lender criteria. Some lenders are lesser known than the big banks, but often times they have business models that allow them to offer even better terms. Feel free to refer your lender if you think he/she is interested in joining the platform and competing for business.
How can I learn more about the lenders?
View detailed lender profiles, reviews, ratings, and MortgageCS statistics to find the best lender for your specific situation. Of course, you are welcome to further research via traditional means.
Why does MortgageCS need my credit score?
The credit score is needed to help lenders quickly determine if they are able to provide a mortgage for your specific situation. Assuming you provide accurate information, the lenders in our network are able to give ‘real rates’ rather than just providing you lowball ‘bait-n-switch’ rate quotes with no regard to your credit or financial profile.
How do I compare loan offers?
Your customized dashboard will compare the interest rate, APR, points, loan amount, loan term and other details of the loan offer. Please use our online calculators to help you make your decision. If you (or your users) have questions or need assistance, you can always contact our Mortgage Concierge at no cost (assuming you have the Concierge package).
How will MortgageCS get competing offers?
Remember, you decide what lenders you want to work with. Selected loan officers receive your request and compete for your business. We are here to help facilitate the process with verified lenders and, if needed, answer any questions you might have along the way. Lenders can see other lender offers (but not names), thereby increasing competition and your chances of receiving the best loan terms.
Am I obligated to accept an offer?
You are under no obligation to accept a loan offer that is presented to you. At any point, you can close the quote request and move along without any further email & phone harassment from lenders – unlike traditional mortgage comparison websites.
What are your closing costs?
MortgageCS does not charge you for using its services. Each lender you are matched with determines their own policy regarding closing costs and these will be provided to you as part of the quote request process.
Do you have lenders who deal with less-than-perfect credit?
Yes, of course! We have many lenders who work with borrowers with less-than-perfect credit.
Can you guarantee a specific interest rate?
Here’s the good news. We are not a mortgage lender, so we’re not trying to sell you on any one particular loan program. We bring reputable lenders to our platform, so you have easy access to a variety of competing mortgage rate quotes without giving away a lot of personal information. There’s no credit report, no spam, and no annoying sales calls. You choose which lenders you want to contact. You’re in control every step of the way.

Here’s the bad news. We are not a mortgage lender, so we can’t guarantee a particular interest rate.

How will I find out which lenders are reviewing my loan request?
With MortgageCS, you get to select who you want to review your loan request. From start to finish, YOU are in the driver seat.
What information do you collect?
We ask questions about you, the type of loan you are looking for, and your financial situation (income, assets and debts). If you’re refinancing your mortgage or looking for a home equity loan or line of credit, we need to know about the terms of your current mortgage, how much you owe and how much you want to borrow.
Does MortgageCS and/or each lender pull my credit report?
MortgageCS will never pull your credit report. Each of our lenders has their own policy about pulling your credit, however, none will pull your credit before they make you a loan offer or without your prior permission.
How will I find out about my loan offers?
We will email notifications of new quote activity, and optionally send SMS messages if you have so chosen to receive.
Can I negotiate directly with the lenders?
Absolutely. You are under no obligation to accept a lender’s first offer. In fact, if you’ve received a better offer from another lender, use it to negotiate with your lenders. Our dashboard helps you keep your data organized, compare insights and negotiate in one single location.
I’ve accepted an offer. How do I close the loan?
After you accept an offer, you will need to communicate with the lender directly to complete the loan process. You will need to verify the information you provided through our site through W-2 forms, pay stubs, house appraisals etc. You’ll also need to sign the official application forms from the Lender and schedule a closing.
How secure will my information be?
We go the extra mile to maintain your personal privacy and your online security. We’re licensed by banking regulatory agencies in every state where we operate and provide safeguards such as two-factor authentication for the highest level of online security. Plus we put a safety net in place. We maintain comprehensive enterprise insurance coverage, including cyber-liability.
Will you share or sell my contact information?
No. Your information is private. You choose which lenders you wish to share your financial situation with and are not obligated to share your name, email address or telephone number unless you choose to do so. Until that point, you can remain anonymous. Please read our Terms of Service and Privacy policy for additional information.
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