Post your loan once, anonymously. NMLS-verified lenders quote against each other, and you compare every offer side by side. About 5 minutes to start.
Example auction board. Five example lenders improve their offers every few seconds and the list re-sorts by lowest rate. Rates are illustrative, not real offers.
Conventional · 30-yr Fixed
5 lenders · 5 offersSort: Lowest rate first
APR 6.318% · Lender Fees $1,850 · 0 points · Quote valid 10 business days
APR 6.421% · Lender Fees $1,240 · 0 points · Quote valid 15 business days
APR 6.577% · Lender Fees $2,100 · 0 points · Quote valid 7 business days
APR 6.680% · Lender Fees $1,495 · 0 points · Quote valid 12 business days
APR 6.787% · Lender Fees $990 · 0 points · Quote valid 10 business days
Example auction. Illustrative rates, not real offers.
You set the order. HomeTurf does not rank, recommend or choose a lender.
Purchase, refinance, Pre-Approval or Beat My Rate. Share your details once.
NMLS-verified lenders see your request and place their quotes. Watch offers arrive and update until the auction ends.
Every offer shows rate, APR, lender fees and points in the same layout. Pick the one you want and connect. Your lender contacts you within 36 hours.
Lenders come to you, compete in the open, and are never ranked by who paid for placement.
Under contract? Lenders compete for your home loan.
Start Purchase AuctionLet lenders compete to lower your current rate or term.
Start Refinance AuctionStill shopping? Lenders compete on your pre-approval first.
Get Pre-ApprovedHave a quote? Challenge lenders to beat it.
Beat My RateTwo free pages for the days after you apply with a lender. No account needed.
Upload the form your lender sent you. Each section explained, which costs can still change before closing, and the questions worth asking.
Decode my Loan EstimateWhat happened to your information, the 2026 law that narrowed trigger leads, and five steps to make the calls stop.
How to make the calls stopQuote on purchase, refinance, Pre-Approval and Beat My Rate auctions from borrowers who asked for offers. Every lender sees the same request, and the borrower makes the choice.
Yes, completely, and always will be. Lenders may pay a subscription to compete on the platform; borrowers will never be charged.
Purchase (buying a home with a signed contract), Refinance (replacing your existing mortgage), Pre-Approval (getting pre-approved before you find a property), and Beat My Rate (challenging lenders to beat your Loan Estimate or existing rate).
If you're shopping for homes but don't have a contract yet, the Pre-Approval auction lets lenders compete on estimated rates, validity periods, and terms. You share financial ranges (not exact amounts) and lenders quote to earn your business for when you're ready to buy.
Already have a Loan Estimate or existing mortgage rate? Post it anonymously and let lenders try to beat it. You can compare each offer against your current terms and decide what to do. We never ask for your current lender's name, and other lenders never see it.
No. Creating an auction and receiving offers does not involve a credit check. A credit inquiry only happens if you choose to proceed with a lender's formal application.
For decades, borrowers chased and lenders chose. We are flipping that for good.
Transparent offers. Fair competition. The borrower in charge. That is how it should have worked all along.
Create your free auction in minutes. Purchase, refinance, Pre-Approval, or beat-my-rate: pick your path and let lenders compete.
Start Your AuctionFree for borrowers • No credit check to start • Anonymous until you choose • Only the lender you choose gets your phone number
Rates shown above are illustrative examples only.
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