MortgagePulse is your free AI mortgage advisor. Compare 12 top US mortgage lenders side-by-side, run a payment + refinance break-even calculator, and chat with an AI advisor — all without a credit pull, without your SSN, and without spam. Comparison only. We are not a lender or broker.
Start free pre-check → Chat with the AI advisorFive tools, one mission: help home-buyers and refinancers shop mortgage rates on their own terms. We earn affiliate commission only when you click through and complete an application — never from your data. Informational only.
Ask anything — "What is PMI?" "Should I refi at 6.25%?" — and get an informational, comparison-first answer in seconds. Always discloses affiliate relationships. We never act as an MLO.
12 lender programs (Rocket, Better.com, AmeriSave, Veterans United, Figure HELOC, more) with APR ranges, loan types, and a "best for me" filter that uses your self-attested credit band.
Enter purchase price + down payment to see your monthly PITI. Or enter your current loan + a new rate to see refi break-even. Affiliate / informational only.
Every affiliate link carries a plain-English disclosure. CI gate ensures it cannot be silently removed. Full compliance read-back at /api/v1/disclosures.
No credit pull. No SSN. We use your self-reported credit band + loan amount to filter offers — you stay in control.
If you live in NY, CA, IL, MD, or OR, we add state-specific informational notices and suppress the "Apply" CTA. WA/MA/NJ get soft warnings. We never transmit applications.
Run the calculator with your real home price + down payment + rate to see exact monthly PITI and a refi break-even analysis.
Free for borrowers, always. Pro and Premium add rate alerts, refi watchlists, and Schedule-A export tooling.
No. MortgagePulse is an informational mortgage-rate comparison service. We do not make credit decisions, we do not transmit loan applications, and we are not a licensed mortgage loan originator (MLO) or mortgage broker under the SAFE Act. You apply directly on each lender's site. Comparison only.
No. We never pull your credit. Our pre-check is entirely self-attested.
We earn an affiliate commission when you click a partner lender link and complete an application. We disclose this on every offer card and at the top of every page, per FTC 16 CFR Part 255.
By design. MortgagePulse is informational only — we are not licensed loan officers, so we always send you to apply directly on the lender's site.
Yes — you can use everything (comparison, calculator, chat). Because those states have strict mortgage loan originator licensing, we add a clear notice that we never transmit applications and we suppress the "Apply" call-to-action button.
These states have mortgage-specific scrutiny. You see a soft informational banner. All other features work normally.
Independent finance + homebuyer education titles. We earn a small Amazon Associates commission if you buy through these links, at no extra cost to you. Per FTC 16 CFR Part 255.
Dave Ramsey's debt-elimination + emergency-fund framework -- foundational before any mortgage.
Step-by-step homebuyer guide covering pre-approval, escrow, closing costs, and post-close tax basics.
Jack Guttentag's reference on every mortgage product -- conventional, FHA, VA, HELOC, jumbo.
Vicki Robin's classic on aligning spending with values -- useful before locking in a 30-year mortgage payment.
Brandon Turner -- if you're using a HELOC or cash-out refi to fund investment property.
Covers down-payment strategy, FHA vs conventional, and the timeline from offer to keys.
As an Amazon Associate we earn from qualifying purchases. Comparison only. We are not a lender.