Turn the tables on lenders. Whether you're buying, refinancing, getting pre-approved, or looking to beat your current rate - let verified lenders compete for your business.
Free for homebuyers • No credit impact to start • Available in 5 states
The mortgage process, redesigned with you in control
You set the terms. Lenders compete for your business across four auction types.
Your identity remains private until you choose a winner - across all modes.
Every lender is NMLS-verified with active state licensing before they can quote.
HomeTurf is free for borrowers - today and forever. No catches.
Not under contract yet? Get pre-approved competitively. Lenders quote on rates and terms.
Already have a rate? Post it anonymously and let lenders try to beat it.
Four simple steps to defend your turf
Buying a home? Refinancing? Getting pre-approved? Trying to beat an existing rate? Pick the mode that fits your situation.
Upload your documents (or share financial ranges for Pre-Approval). Set your timeline and preferences. Your identity stays private.
Your auction goes live to verified NMLS lenders, who submit their quotes during your chosen timeframe.
Review all offers side by side, listed from lowest APR up. You can re-sort them. Select your winner and they contact you within 36 hours to get started.
See the home field advantage
| Feature | HomeTurf | Traditional |
|---|---|---|
| Auction Types | 4 specialized modes | 1 (apply & hope) |
| Lenders Competing | Multiple | 1-3 |
| Time to Compare | 12-48 hours | Weeks |
| Applications Needed | One | Multiple |
| Pre-Approval Competition | Yes - lenders quote | No |
| Beat Existing Rate | Built-in mode | Call around |
| Lenders with your number | Only the one you choose | Many |
| Your Identity | Protected | Shared immediately |
| Cost to You | Free | Free* |
* Traditional mortgage shopping may result in multiple credit inquiries and time costs
Two free tools for the days after you apply. No account needed.
Create your free auction - purchase, refinance, Pre-Approval, or beat my rate
HomeTurf is not a lender, loan broker, or loan servicer. We provide a technology platform that facilitates anonymous connections between borrowers and lenders. Currently available in 5 states and expanding.
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