ByBestmoney StaffJul.15, 2021
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In a Nutshell is a free mortgage comparison engine that helps connect consumers with lenders and brokers. Its network consists of hundreds of partners, from national lenders to local lenders and agents. It takes only 1-2 minutes to complete an application, and you won’t be asked for any sensitive info. Once you’re done, quickly scans your information and displays your results within seconds.


  • A Free service to use
  • Get up to five offers for one application
  • Compare loans with no effect on your credit score


  • Results are fairly generic (no personalization)
  • Many of its partners are other comparison engines
  • Website generally lacks information at a Glance 

Direct lender or marketplace: Marketplace
Loan Types: Purchase and refinance
Featured Loans: Conforming, Jumbo, FHA, VA
Repayment Terms: 10-30 year fixed, 3/1 – 10/1 ARM
Minimum Down Payment: 0-20% (varies based on lender)
Minimum Credit Score: 540-620 (varies based on lender)
Suitable For: Comparing and connecting with lenders at the start of your mortgage search

Overview is not a mortgage lender or broker, and it doesn’t make loan or credit decisions. They are in fact, what is known as a marketplace or aggregator, which is a sort of middleman that connects homebuyers with lenders and brokers. Using a service like might seem like an unnecessary extra step in your search for a loan, but ultimately the goal is to simplify the mortgage process and get you access to multiple loan offers.

Suitable For?

This is a helpful service for anyone just starting out their search for a home loan or mortgage refinance. Like any big decision, you probably don’t know about all of your options yet. will provide you with a list of five lenders and brokers. All that’s required from you is about two minutes of your time, as well as an open mind as to which lender you will eventually choose.

Types of Loans/Products

Since is a comparison tool, it doesn’t specialize in any specific loan type or program. Instead, it draws on a network of hundreds of lenders and brokers – each of which offers its own menu of loan types. The net effect of working with such a large network of lenders is that can help connect you with virtually any type of mortgage loan.

Here’s a breakdown of the main types of loans you can find with

  • Conventional loans (fixed and adjustable)
  • Jumbo loans
  • FHA loans
  • VA loans
  • USDA loans
  • Refinance
  • Cash-out refinance
  • Reverse mortgage

The Application Process

As mentioned above, is a loan aggregator. When you give your information, it instructs its algorithm to find you appropriate lenders matches from within its vast network.

There are three steps involved:

  1. Complete the online application form

    The form takes only 1-2 minutes to complete, and consists of 10-12 questions (the exact number depends how you answer the first few questions). The questions aren’t at all invasive. There’s no need to enter your contact details (which means no having to deal with calls from annoying salespeople) and no need to enter any sensitive information such as a social security number.

    Be prepared to answer the following questions:

    • Home buying situation (under contract, making offers, buying in 2-6 months, researching options)
    • Type of property (single family, multi family, townhouse/condo, manufactured/mobile)
    • Property use (primary residence, second home, investment property)
    • The state where you plan to purchase
    • Estimated purchase price
    • Estimated down payment
    • Are you a first-time home buyer?
    • Have you already found your new home?
    • Are you currently working with a real estate agent yet?
    • Active or previous US military service?
    • Estimated credit score 
  2. Browse the results

    Within a few seconds of completing the form, you will be redirected to a new screen displaying up to five lenders or brokers (or in some cases, other comparison engines). Under each result, you’ll see a few bullet points telling you the main benefits to that provider. If you like any of the lenders/brokers, click the “View Rates” button to be taken to their website.

  3. Complete the process

    Now that you’re on an actual lender’s website, it’s up to you whether you want to complete the process. Note that will only give you a loan estimate. If you’re serious about getting an actual pre-approved rate, you’ll need to give the lender additional information and be prepared for the lender to run a hard credit query.

Rates and Terms earns money for referring consumers (like you) to lenders, and never charges consumers directly. That’s good news for you, because it means you can use the service as many times as you want without ever paying a dime.

As for interest rates, lender fees, and repayment terms – these vary from lender to lender. Some of’s partners offer APRs below 3%, while others promise low origination fees. Most lenders offer fixed repayment terms of 15-30 years (sometimes 10-30) and a range of adjustable-rate options, including 3/1 and 7/1. 

It really does vary, and the benefit of is that it connects you with multiple lenders – allowing you to compare different deals.

Help & Support

Before using, it’s worth keeping in mind that it is almost exclusively an online service. However, if you do have questions during business hours, then you can contact customer support at (833) 587-0282.


Got no idea where to start your mortgage comparison shopping? offers to connect you with multiple lenders without charging you a dime or asking for sensitive personal information. has a vast network of lenders and brokers at its disposal, so you never know who it will set you up with. Just fill out the short application form and will hook you up. FAQ

Q: What is a fixed-rate mortgage?

A: A fixed-rate mortgage is a mortgage that has the same interest rate for the entire duration of the loan. 

Q: What is an adjustable rate mortgage?

A: An adjustable rate mortgage (ARM) is a loan that has a fixed interest rate for the first few years, then adjusts every year for the remainder of the loan term. For example, a 3/1 loan has a fixed rate for the first three years, adjusting once each year from year four onwards. A 10/1 loan has a fixed rate for the first 10 years, and begins adjusting in year 11. 

Q: What is an FHA loan?

A: An FHA loan is a government-backed loan, designed to help people who find it hard to borrow through conventional means. Credit requirements are 500-620, as opposed to conventional loans, which generally start at 620+. Minimum down payment is 3.5-10%., as opposed to the conventional 20%+.

Q: What is pre-approval?

A: Pre-approval is a confirmation from a direct lender that you are eligible for a loan from them. A referral from does not constitute pre-approval.

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