Quick answer
How does HomeLoanAccess work?
It takes five steps: choose your goal, answer a few questions, explore your next step, review the details such as rate, APR and closing costs, and decide whether to continue with a participating lender. Using the service is free, and an inquiry does not guarantee a loan, rate or approval.
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Tell Us What You're Looking to Do
Start by selecting the option that best describes your goal.
Your selection helps direct you to relevant information and questions.
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Answer a Few Relevant Questions
Depending on your goal, you may be asked about your timeline, property, estimated home value, or purchase budget.
These questions help determine which information or next steps may be relevant to your situation.
Only provide information requested for the stated purpose. Review the privacy notice before submitting personal details.
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Explore Your Next Step
Based on the services HomeLoanAccess provides, you may be directed to educational resources, an appropriate application pathway, or a disclosed lending partner.
If a lender is involved, that lender will explain its application requirements and evaluate your eligibility according to its policies and applicable law.
Submitting an inquiry does not guarantee a loan, rate, preapproval, or approval.
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Review the Details Before Moving Forward
Before making a mortgage decision, consider the interest rate, APR, loan term, monthly payment, closing costs, and other relevant expenses.
If you receive a Loan Estimate, review the details carefully and compare available options. Ask questions whenever a term or cost is unclear.
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Decide What Works for You
You decide whether to continue exploring, request further information, or proceed with a lender where available.
Take the time you need to understand your options and their potential trade-offs.
Ready to Get Started?
You don't need to know every mortgage detail before taking the first step. Begin with your goal and explore the information relevant to your situation.
Specific services and available lending pathways depend on participating partners and applicable licensing requirements in your state.