FIND THE LOWEST MORTGAGE RATES
Don’t shop your loan, auction it.
FUNDED connects you to the entire lender market, automatically finding the best rates. Instantly lock in the lowest offers.
View personalized auctioned rates anonymously—no obligation, no credit checks, no spam.
Welcome to the first 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
-
![]()
“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.
-
![]()
“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 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 (2–5 minutes)
No credit checks or sensitive info.
No spam or obligations, just the lowest rate.
2. Daily Auction (1 day)
Competitive bidding finds your best offer.
Keep shopping without pausing your loan application.
3. Rate Lock (30 minutes)
Lock in a clear, upfront rate.
We review everything—rates, fees, and credits—to make sure you’re covered.
Support is available until your rate is fully locked.
4. Lender Management (until closing)
Fast closing with checkpoints and support.
We’re with you from start to finish until you’re fully FUNDED.
Mortgage borrowing is risky.
Overpaying with the wrong lender.
Misleading comparison sites & salespeople.
Wasting weeks rate shopping.
Frustrating, unmanaged closings.
No backup for low appraisals.
FUNDED is better.
Unbiased: we work for you, not the lenders, and we don’t get paid by them.
1-day auction: Get the best rates, fast.
Full lender management, start to finish.
Backup lender for appraisal protection.
The FUNDED Promise
At FUNDED, we're committed to making the home loan process easier and more transparent. Our platform empowers you by allowing lenders to compete for your business. We stay independent by charging a simple fee to borrowers for personalized loan auctions, and never accepting payments from lenders or banks. This keeps our focus solely on your best interests.
Our experienced team provides clear, trustworthy information to help you make confident financial decisions. At FUNDED, your needs always come first as we guide you on your path to homeownership.
See exclusive low rates with no obligation.
No credits checks, no upfront fees, no SPAM.