Mortgage
Is your mortgage still working for you?
Whether you're buying your first home or rethinking the loan you have, we'll match you with a licensed loan officer who can look at your numbers with you.
Check my mortgage →- ✓ No credit pull to start
- ✓ No obligation
- ✓ Licensed loan officers
This may fit if
You're planning to buy a home and want to know what kind of loan could fit.- Your current rate is higher than you'd like and you're curious whether a refinance could help.
- You've built up equity and want to understand a cash-out refinance.
- You or your spouse served in the military and want to ask about VA loans.
It may not be right if
- You're behind on your mortgage right now. A nonprofit housing counselor can often help for free.
- You're planning to sell or move soon, so the costs of a new loan may not pay off.
- Your current rate is already low. A refinance may not leave you better off.
How it works
- 1
Answer a few quick questions
Tell us whether you're buying or refinancing, plus a little about the home and your credit. It takes about a minute and doesn't pull your credit.
- 2
Talk with a licensed loan officer
If your answers suggest a new loan could help, a licensed loan officer can run your numbers with you in a short call.
- 3
You decide
There's no obligation. Compare what you hear with other lenders, and only move ahead if the numbers make sense for you.
Good to know before you start
Refinancing has closing costs
A new loan comes with fees like appraisal and title costs. A refinance makes sense when what you'd save over time is more than what it costs to get there.
Cash-out uses your home as security
Taking cash out turns equity into a bigger loan on your home. If you use it to pay off cards, the debt doesn't go away; it moves onto your house.
A lender will check your credit
Our quiz doesn't pull your credit, but a lender will when you apply. Rates and terms depend on your credit, income and the property.
Shopping around is worth it
Offers can differ from lender to lender. It's fine to compare a few before you choose.
Questions people ask
Is Ledgerlane a lender?
No. We're not a lender or a mortgage broker. We ask a few questions and connect you with independent, licensed loan officers.
Do I need 20% down to buy a home?
Not always. Many loans need far less than 20% down, and veterans may qualify for VA loans. A loan officer can explain what's available to you.
Can I check if my credit isn't great?
Yes. Every credit level can check. A loan officer can tell you what options there may be and what could help over time.
When does refinancing make sense?
Often when today's rates are well below yours, or when you need to change your loan type or use your equity. A loan officer can show you the break-even point for your numbers.
Do I have to decide on the call?
No. The call is to help you understand your options. You can take your time and compare.
See if your mortgage could work harder for you
About a minute, no credit pull to start, and no obligation.
Check my mortgage →Not a commitment to lend. Loan approval, rates and terms depend on the lender, your credit, income and property.