Got a refi quote? Compare it with F5.
Bring your best number from Rocket, Better, your bank, whoever. They sell you their retail rate. F5 is a wholesale broker. We shop your file across 50+ wholesale lenders that retail shops can't access. See where the F5 number lands in 90 seconds. No credit pull.
- No credit pull on this step. Soft pull only when you ask us to dig in.
- No spam. F5 never resells leads. Your info goes only to a licensed F5 LO.
- Same F5 loan officer from your first call to closing day. No call center handoffs.
From your quote to a real number, in 90 seconds.
Show us your number
Tell us your loan balance and the best quote you have (or your current rate). 90 seconds. No credit pull.
F5 shops 50+ wholesale lenders
A licensed F5 loan officer shops your file across 50+ wholesale lenders. Wholesale pricing is typically lower than the retail rates Rocket, Better, or your bank quote direct to consumers.
You get a real answer
We text you a real number to compare against. If F5 can’t beat your quote, we tell you. No bait, no credit pull, no spam.
F5 vs the lender who already quoted you.
You already know the pitch. Here's the actual mechanics behind your rate.
Four mechanics that your retail lender doesn't have.
One LO, start to finish.
The licensed F5 loan officer who quotes you is the same person who runs your file, works with your underwriter, and gets you to closing. No call center handoffs, no "sorry, your file got reassigned" emails, no re-explaining your situation to someone new every week.
Wholesale rate sheets, not retail estimates.
F5 is a wholesale broker. We access wholesale rate sheets from 50+ lenders. Retail lenders like Rocket, Better, and big banks sell direct to consumers at retail markup, and wholesale pricing is typically lower than retail.
Flat-fee comp model.
F5 charges a flat origination fee, not a percentage. That means we don’t make more on a bigger loan. Most shops are quietly point-padding to bump their take on every file - F5 doesn’t.
AI-powered file routing.
F5’s in-house platform routes your file to the wholesale lender most likely to fund it fast. That’s why recent F5 refis have cleared in under two weeks - same docs, fewer hops, fewer back-and-forth emails.
“I'm still closing loans. Every refi quote that comes into F5 gets looked at by a real LO - mine, or someone on my team I trained personally. If your current quote is already a unicorn, I'll tell you. If it isn't, I'll show you what is. That's the whole F5 promise.”
5-star service. Receipts attached.
“One of the best decisions I made while buying my first home. I had a lot of questions and uncertainties, but they made the entire mortgage process feel manageable.”
“Amazing throughout my loan process. They made everything clear, smooth, and stress-free. I’m truly grateful for their hard work and support. Highly recommend!”
“Exactly what I was looking for. I didn’t know where to start and they made me feel comfortable. Buying a home can be stressful, but they took some of that weight off of me.”
Common questions, honest answers.
Got 90 seconds? Run your quote past F5.
No credit pull. No obligation. If we can't beat it, we'll tell you.
Beat my quote