Lower Payments
Lower your monthly payments by refinancing!
- Free up cash flow for important life necessities.
Start With Your Goal
Choose the path that matches your plans.
Get Cash
Put your home equity to work.
- Home Equity Loans
- Cash Out Refinance
- Debt Consolidation Refinance
Buy a Home
Find the loan that fits your purchase.
- Fixed Rate Mortgage
- Adjustable-Rate Mortgage
- VA Loan Programs
- FHA Mortgage
- Home Purchase
- First Time Home Buyer
Quick answer
What is HomeLoanAccess?
HomeLoanAccess is a free mortgage matching service. You choose your goal (buy a home, refinance, or use your home equity), answer a few questions, and we connect you with a participating lender or broker who can explain your options. We are not a lender, and an inquiry is not a loan application.
Why HomeLoanAccess
Mortgage options made clearer.
Understanding your options is an important part of making a mortgage decision. HomeLoanAccess helps you start with your goal, see the numbers, and connect with a participating lending professional when you are ready.
Free to Use
HomeLoanAccess is a free matching service. There is no cost to explore your options.
A Few Quick Questions
Answer a short set of questions about your goal instead of starting with a long application.
Participating Lenders
We connect you with a participating lender or broker who can explain your options and next steps.
Clear Information
Calculators, plain-language guides and key terms help you understand the numbers first.
Explore.
Compare.
Decide.
$0Cost to explore your options
3Mortgage goals: buy, refinance or equity
4Free mortgage calculators
6Short steps in our guided form
Frequently Asked Questions
Straight answers about how HomeLoanAccess works.
What is HomeLoanAccess?
HomeLoanAccess is a free matching service for prospective home loan borrowers. We match you with a mortgage lender or broker that can help with home financing options and explain the next steps for buying a home, refinancing, or accessing home equity. The specific services available depend on our participating lending partners.
Does HomeLoanAccess provide mortgages directly?
No. HomeLoanAccess does not originate loans. We provide educational resources, facilitate inquiries, and connect consumers with participating lenders to streamline the process.
Does submitting a form guarantee mortgage approval?
No. Submitting an inquiry does not guarantee a loan, preapproval, interest rate, or approval. A lender must evaluate your application and determine eligibility according to its requirements.
Will checking my options affect my credit score?
The effect depends on the process involved. Reviewing educational resources or using a calculator does not itself require a credit inquiry. A lender may conduct a credit check during a later stage. Before authorizing one, confirm whether it will be a soft or hard inquiry and how it may affect your credit.
What information might I need to provide?
Depending on your goal and the stage of the process, you may be asked about your property, estimated home value, purchase budget, mortgage balance, income, or other financial details.
A formal mortgage application may require additional documentation. Provide sensitive information only through an appropriate, secure process.
Can I explore mortgage options if I'm a first-time homebuyer?
Yes. You can begin by learning about down payments, estimated monthly payments, mortgage types, and preapproval. Eligibility and available programs depend on your circumstances and the requirements of the relevant lender or program.
Still Have Questions?
Understanding your options is an important part of making a mortgage decision. Start with your goal and explore the information relevant to your situation.
Answers are for general informational purposes and do not constitute financial, legal, or mortgage advice. Product availability, eligibility, and terms vary.