FIND THE LOWEST MORTGAGE RATES

Don’t shop your loan, auction it.

FUNDED accepts bids from the entire mortage market to automatically find the best rates. View personalized, auctioned rates anonymously — no obligation, no credit checks, no spam. Lock a rate, we audit the legal proof.

We manage the winning lender and give you step-by-step guidance - we don’t go away until the loan closes.

Welcome to the auction platform for home loans.

“I ended up saving $25,000 in down payment, $7,600 in point charges, I got $4,000 lender's credit, and I saved almost 0.375% in my interest rate.”

Arjun S.

“They came back with the best offer on the market, lowest rates with options to cover my closing costs.”

Shafiq J.

“We shopped around, we talked to different lenders. And then we went to FUNDED, and they were able to get a rate, which is 0.75% lower than what we could find...”

Rex and Nicole B.

“My wife and I have used FUNDED twice, and it's gotten me the lowest rates and highest lender credits, covering all of our closing costs and even future expenses.”

Ryan B.

“[they] surprised me by getting, almost 0.5% less than what I was already getting with almost $15,000 worth of credits.”

Nitin B.

“They overall made it very smooth for our team and they managed the entire process from start to finish.”

Rafael Mendez,

Compass Real Estate

  • “I like how FUNDED located the best lender and gave me different options with credits. The lender management was a huge help. They escalated to management when needed. Without them we would have been stuck in delays. They coordinated the lender for us until closing. You can't always trust that lender staff will provide a good experience.”

    Vimal S.

  • “FUNDED saved us from a low appraisal and got my buyer 0.75% off their rate.”

    Matthew Armstrong, Owner of Unlocked Real Estate

  • “There wasn’t any fee to start an auction, so I gave it a try. Their auction found rates lower than what I could find on my own. I referred my sister to them, and she saved a ton of money as well.”

    Hee K.

  • “I never would have known how large the price difference would be between different lenders. FUNDED was able to reduce my payment by $1,238! My original lender was doing a 30 yr fix with a combo 2nd loan at a higher rate, I ended up with one loan on a 10 yr ARM.”

    Sameer D.

  • “I sent FUNDED over 10 of my closest family and friends, and they sent their own referrals as well. Because of me over 50 people were happy to get the lowest rate possible on their loan.”

    Andy W.

  • “FUNDED was a tremendous help, we were happy to be introduced. They look out for the consumer. We tell anyone about them when they need a mortgage. Their method and access to interest rates are the best, and that’s without mentioning the great service they provide!”

    Tommy N. and Lucy T.

  • “FUNDED helped me with my mortgage application and saved me a bunch of time finding me the best rates. They also made sure I closed on-time and helped fast-track the whole process, they pointed out some key numbers in the disclosure documents that needed attention.”

    Ankur G.

Reputable Nationwide Lenders.

Typical Savings on a $1M Loan

  • $133,000

    Interest Savings

    Over the life of the loan.

  • ↓ 0.625%

    Lower Interest Rate

    On Average.

  • $15,000

    Lender Credit Improvement

    Applied toward closing costs.

 

Our Process

Securing Your Best Rate: Join our daily auction to lock the lowest rate on market.

1. Quick Questionnaire (2 minutes)

  • No obligations, no credit checks

  • Anonymous, no SPAM - lender’s won’t contact you

2. Daily Auction (1 day)

  • Competitive bidding finds your best offer.

  • Keep shopping without pausing your other loan applications.

3. Rate Lock

  • Lock in a clear, upfront rate.

  • We review everything—rates, fees, and credits—to make sure you’re covered.

  • Active, urgent support until your rate is fully locked.

4. Lender Management (until closing)

  • Fast closing with continuous checkpoints and support.

  • Detect delays, escalate with managers - we don’t let the lender hide.

  • We’re with you until the loan closes, start to finish.

  • “Mortgage shopping makes root canal surgery seem fun.”

    Richard Thaler - 2017 Economics Nobel Prize Winner
    Read the New York Times Article

  • “Platforms cannot receive payments for presenting lenders in a non-neutral way...”

    Rohit Chopra, U.S. Consumer Financial Protection Bureau Director

    Read the CFPB Article

  • “Innovation to simplify the process would help.”

    A Third Of Homebuyers Don't 'Shop Around' For a Mortgage

    Read the Fannie Mae Article

  • “Rigged” mortgage comparison sites, “illegal steering”

    The Consumer Financial Protection Bureau Acknowledges

    Read the CFPB Article

The old way, no auctioneer.

Overpay with the wrong lender.

Biased salespeople and comparison sites.

Weeks wasted rate shopping.

Unmanaged closings, dishonest status updates, unspeakable frustration.

No backup loan on purchases, low appraisal risk: higher down payments / cancellations.

FUNDED auction platform.

Non-public, auction-winning rates.

Unbiased: we don’t get paid by lenders.

Auction platform = automated rate-shopping.

Lender auditing & performance management, start to finish.

Backup loan on purchases, for low appraisal protection.

The FUNDED Promise

We make borrowing transparent and easy. Our auction platform forces lenders to compete for your loan. We don’t get paid by lenders - so we’re unbiased and aligned with you 100% - we only charge an auction fee if a loan closes.

We focus solely on your best interests. Our experienced team provides clear, trustworthy information to help you make confident financial decisions.

See exclusive low rates with no obligation.

No credits checks, no upfront fees, no SPAM.