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The Process

With Home Lending Pal you can shop for and compare homes, prepare your finances and select a lender all in one place. It’s a seamless shopping experience.


Create a profile

Start by creating a profile. It only takes 10 minutes. Answer our background questions, access your credit report and connect your banking information.


Search for a home

Check the listings of all the properties in your area. You can save and compare them to find the right place for you. Use our true cost calculator to uncover the hidden mortgage costs that can break your budget after you move in.


Validate your finances

See how much house you can comfortably afford and develop a plan if you want to level up.


Check your credit

Review your FICO® Score 8 based on Experian data. 90% of lenders use FICO® Scores when they evaluate a loan application and we’re the only non-lender that can show FICO® Scores. You can also see what you need to do to improve your score.


Select a lender

After we calculate your approval odds, we’ll recommend lenders that specialize in your situation and you decide which ones you want to work with. When you send your information to the lender, we conceal your personally identifiable information so the lender only sees your data.

On Your Side

We reviewed more than one hundred million mortgage transactions to prepare our recommendations. Our algorithms are on your side.

“Extremely interesting and super…

Extremely interesting and super helpful. Some of the tools they had saved me some time, but the most interesting/helpful part is helping me find the best rates and lenders without having to bombard my credit. ”


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