Post your loan once, anonymously. NMLS-verified lenders bid against each other, and you compare their best offers side by side. About 5 minutes to start.
Get competitive mortgage offers in three simple steps
Buying a home? Refinancing? Need a Pre-Approval? Want to beat an existing rate? Pick the mode that fits your situation and share your details.
NMLS-verified lenders review your needs and submit competitive bids. Watch as offers come in and lenders compete for your business in real time.
Compare all offers with transparent breakdowns. Select your winner and connect directly. Your lender contacts you within 36 hours to get started.
HomeTurf puts you on your own turf: lenders come to you, compete in the open, and win on merit. Never on who paid for placement.
No matter where you are in your mortgage journey, HomeTurf has an auction mode for you
We've designed every feature to put homebuyers in control
Every lender on HomeTurf is NMLS-verified with active state licensing. We check credentials so you don't have to worry.
Your personal information stays hidden until you choose a lender. No spam calls, no unwanted emails, no pressure.
See every offer with complete breakdowns of rates, points, fees, and terms. Compare apples to apples.
When lenders know they're competing, they have an incentive to offer their most competitive terms upfront.
Instead of calling lender after lender, post once and let them come to you. Focus on finding your dream home.
HomeTurf is completely free for borrowers, always. During our beta period, the entire platform is free for lenders too.
Connect with motivated borrowers across four auction types: purchase, refinance, Pre-Approval, and beat-my-rate. Compete on a level playing field where the best offer wins. Join free during our beta.
Yes, completely, and always will be. During our beta period, the entire platform is free for everyone. After beta, lenders will transition to a paid SaaS subscription, but 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 bid 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. Savings vary by borrower, lender, and market conditions. Your existing lender's name is never shared.
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 Free AuctionFree for borrowers • No credit check to start • Anonymous until you choose • No spam calls, ever
Rates shown above are illustrative examples only.
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