Real Estate Investor Loans
Finance a rental acquisition, stabilize a property, renovate for resale, refinance a seasoned investment or restructure a portfolio. Compare the financing method against the property, income evidence, business plan, liquidity, timeline and exit—not just the headline rate.
Investor financing ranges from borrower-underwritten conventional mortgages to property-cash-flow DSCR loans, short-term bridge and rehab structures, portfolio or blanket facilities, and multifamily or commercial loans. Rules and risks differ materially.
Exploring options does not guarantee eligibility, approval, terms, rates, leverage, funding, closing, profit or investment performance.
Choose by strategy
Start With the Investment Goal
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| Goal | Compare first | Destination |
|---|---|---|
| Buy and hold a 1–4 unit rental | Compare firstConventional rental, DSCR and portfolio loans | Destination/rental-property-loans/ |
| Acquire quickly, then refinance | Compare firstBridge financing and takeout readiness | Destination/bridge-loans/ |
| Renovate and resell | Compare firstFix-and-flip financing, budget and draws | Destination/fix-and-flip-loans/ |
| Finance several properties | Compare firstPortfolio or blanket structure and release terms | Destination/portfolio-loans/ |
| Finance 5+ units or commercial property | Compare firstMultifamily/commercial underwriting and NOI | Destination/multifamily-loans/ |
Investor Loan Paths at a Glance
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| Path | Common fit | Primary underwriting lens | Tradeoff to inspect |
|---|---|---|---|
| Conventional investment | Common fitEligible 1–4 unit rental; borrower can document finances | Primary underwriting lensBorrower income/credit plus eligible rent | Tradeoff to inspectAgency rules, financed properties, reserves, MI/pricing |
| DSCR | Common fitEligible non-owner-occupied rental | Primary underwriting lensProperty rent relative to defined debt obligation | Tradeoff to inspectProvider formula, leverage, prepayment, liquidity |
| Portfolio | Common fitScenario retained under provider/investor rules | Primary underwriting lensProvider-specific borrower/property analysis | Tradeoff to inspectFlexibility vs. pricing, recourse and covenants |
| Bridge | Common fitShort hold or timing gap | Primary underwriting lensCollateral, plan, liquidity and exit | Tradeoff to inspectShort term, fees, extension/default risk |
| Fix-and-flip | Common fitAcquire/rehab/resell | Primary underwriting lensAs-is/after-repair value, budget, team and exit | Tradeoff to inspectDraws, cost overruns, completion and sale risk |
| Blanket | Common fitMultiple properties under one facility | Primary underwriting lensPortfolio cash flow/collateral | Tradeoff to inspectCross-default, releases and cross-collateralization |
| Multifamily/commercial | Common fit5+ units or nonresidential asset | Primary underwriting lensNOI, DSCR, occupancy, sponsor and property | Tradeoff to inspectRecourse, covenants, balloon and prepayment |
Understand the Labels
Investor-loan labels describe different dimensions. “Purchase,” “cash-out refinance” and “bridge” describe purpose or timing. “DSCR” describes a cash-flow underwriting method. “Portfolio” describes how a provider may retain or structure a loan. “Blanket” describes multiple properties securing one facility. “Multifamily” or “commercial” describes the property and underwriting context.
One transaction may occupy several categories. A limited-liability company might obtain a short-term portfolio bridge loan secured by a four-unit rental. Compare equivalent structures and read the actual note, security instrument, guaranty and prepayment provisions.
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| Dimension | Examples | Decision question |
|---|---|---|
| Purpose | ExamplesPurchase, refinance, cash-out, rehab | Decision questionWhat must the capital accomplish? |
| Property | Examples1–4 unit rental, 5+ unit, mixed use, retail | Decision questionWhat collateral and use are eligible? |
| Underwriting | ExamplesBorrower income, DSCR, NOI, asset-based | Decision questionWhat evidence supports repayment? |
| Term | ExamplesLong-term fixed/ARM, bridge, construction | Decision questionWhen must the debt be repaid or refinanced? |
| Security/recourse | ExamplesSingle asset, blanket, guaranty/nonrecourse | Decision questionWhat property and parties remain exposed? |
Long-Term Rental Routes
For a stabilized one-to-four-unit rental, compare conventional investment-property financing, DSCR and portfolio options. The same property can produce different results because each route treats borrower income, eligible rent, entities, financed-property count, reserves and prepayment terms differently.
Conventional investment-property loans generally underwrite the borrower and eligible rental income under applicable program rules. A provider may require leases, tax returns, appraisal forms, operating history or other evidence and may apply vacancy or expense treatment.
A DSCR loan generally evaluates eligible rental income against a defined property debt obligation. Providers do not all calculate the numerator or denominator the same way, and some impose minimum ratios, floors, reserves or pricing adjustments. DSCR is not approval and is not a complete measure of investment performance.
Portfolio loans are retained or managed outside a standardized agency execution. They may accommodate a distinctive property, entity, borrower profile or portfolio—but “flexible” does not mean low-risk or lightly documented.
Occupancy: A second home is not interchangeable with an investment property. An owner-occupied 2–4 unit property is not a non-owner-occupied rental. State intended occupancy and use accurately; misrepresentation can have serious legal and contractual consequences.
DSCR, Without a False Universal Formula
A common educational form is: DSCR = eligible monthly property income ÷ defined monthly property debt obligation. But the controlling provider method may use gross rent, market rent, actual lease income, a vacancy factor or other adjustments, and may define debt using principal, interest, taxes, insurance, association dues or other items.
Illustration only
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| Illustration only | Amount |
|---|---|
| Eligible monthly rent used in example | Amount$3,000 |
| Illustrative PITIA/dues obligation | Amount$2,500 |
| Illustrative ratio | Amount$3,000 ÷ $2,500 = 1.20 |
This illustration is not a quote, qualification rule, forecast or underwriting result. It omits repairs, vacancy, utilities, management, capital expenditures, taxes, insurance changes, leasing costs and other operating expenses. Ask each provider for its written calculation and inputs.
Bridge, Rehab and Blanket Financing
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| Structure | Use | Questions before proceeding |
|---|---|---|
| Bridge | UseAcquire before permanent financing or cover a short transition | Questions before proceedingMaturity; extension options/fees; interest reserve; takeout conditions; default rate; exit evidence |
| Fix-and-flip | UsePurchase and renovate for resale | Questions before proceedingAs-is/after-repair value; budget; draws; inspections; contractor; contingency; sale timeline |
| Renovation/construction | UseImprove or create a rental asset | Questions before proceedingEligible work; permits; completion guaranty; retainage; interest carry; conversion terms |
| Blanket | UseOne facility secured by multiple properties | Questions before proceedingCross-collateralization; cross-default; property releases; substitution; covenants; reporting |
Short-term debt creates a deadline. A credible exit should not depend on perfect construction, uninterrupted rents, a rising market or an assumed refinance at a lower rate.
Rehab proceeds may be advanced through draws after documentation or inspections rather than delivered entirely at closing. Confirm which costs are reimbursable, whether work must be completed before reimbursement, who controls draws, and how disputes, change orders and overruns are handled.
Blanket financing can simplify a portfolio but can also connect the risk of otherwise separate properties. Review release prices, minimum coverage tests, substitution rights, partial-paydown requirements and default provisions with qualified counsel.
One-to-Four Units vs. Multifamily and Commercial
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| Feature | 1–4 unit residential investment | 5+ unit multifamily / commercial |
|---|---|---|
| Primary framework | 1–4 unit residential investmentResidential investment or specialized business-purpose path | 5+ unit multifamily / commercialCommercial real estate analysis and documentation |
| Income lens | 1–4 unit residential investmentBorrower income and/or eligible rent; DSCR method varies | 5+ unit multifamily / commercialProperty NOI, DSCR, occupancy, leases, sponsor and market |
| Documents | 1–4 unit residential investmentResidential appraisal/rent schedules, leases, borrower file | 5+ unit multifamily / commercialRent roll, trailing operations, budgets, leases, environmental/property reports |
| Terms | 1–4 unit residential investmentLong amortization may be available; product-specific | 5+ unit multifamily / commercialBalloon, reset, covenant, recourse and prepayment structures common |
| Key warning | 1–4 unit residential investmentOccupancy and 1–4 unit eligibility matter | 5+ unit multifamily / commercialDo not apply residential assumptions or disclosures automatically |
A property with five or more dwelling units is generally evaluated in a multifamily/commercial context, not as a one-to-four-unit residential mortgage. Mixed-use, hospitality, assisted living, land and other specialized assets need separate eligibility analysis.
Short-Term Rental Properties
Short-term rentals can have seasonal, regulatory and operating volatility that a long-term lease does not. Provider eligibility may depend on property type, location, market-rent evidence, operating history and whether short-term rental income is accepted.
Verify zoning, licensing, association rules, insurance, lodging or sales taxes, management costs and local restrictions independently. Do not underwrite a deal solely from platform screenshots or peak-season revenue.
LLCs, Guarantees and Vesting
Some investor programs permit closing in an LLC or other entity; others require individual ownership or later transfer rules. Entity eligibility does not automatically eliminate personal liability.
A personal guaranty can expose the guarantor beyond the collateral. “Nonrecourse” can still contain carve-outs for fraud, misapplication of funds, prohibited transfers, bankruptcy conduct, environmental matters or other events. Have qualified counsel review the full documents before signing.
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| Confirm | Evidence or question |
|---|---|
| Borrower/vesting | Evidence or questionIndividual or entity; formation state; good standing; operating agreement; authorized signer |
| Guaranty | Evidence or questionFull, limited, completion, bad-boy carve-out or none; who signs? |
| Transfer | Evidence or questionDue-on-sale, permitted transfers, change-of-control and seasoning rules |
| Tax/legal | Evidence or questionIndependent CPA and attorney review; state-specific law and entity treatment |
Rental-Income Documentation
- Current executed leases, amendments, tenant ledger and proof of deposits when requested.
- Appraisal and eligible market-rent schedule or comparable rent analysis.
- Prior tax returns or Schedule E when the selected program requires them.
- Rent roll, trailing operating statements and year-to-date income/expenses for multifamily or portfolio scenarios.
- Short-term-rental statements only when accepted; normalize seasonality and document platform/management fees.
- Vacancy, concessions, utilities, taxes, insurance, HOA, repairs, management and capital expenditures.
- Explain related-party leases, below-market rent, recent vacancies, deferred maintenance and unusual deposits.
Property Cash-Flow Analysis
Stress, do not sell: Model vacancy, rent decline, repairs, insurance/tax increases, slower lease-up, delayed renovation, higher refinance rates and a longer sale period. Past income or appreciation does not guarantee future results.
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| Metric | Educational calculation | Use / limitation |
|---|---|---|
| Gross scheduled rent | Educational calculationContract/market rent before vacancy | Use / limitationStarting point; not spendable cash |
| Effective gross income | Educational calculationGross potential income less vacancy/credit loss plus other income | Use / limitationRequires supportable assumptions |
| NOI | Educational calculationEffective gross income less operating expenses | Use / limitationTypically excludes debt service and income taxes; definitions vary |
| DSCR | Educational calculationDefined property income ÷ defined debt obligation | Use / limitationUse provider definition; not return on investment |
| Debt yield | Educational calculationNOI ÷ loan amount | Use / limitationCommercial risk lens; method varies |
| Cash-on-cash return | Educational calculationAnnual pre-tax cash flow ÷ invested cash | Use / limitationInvestment metric, not lender approval; sensitive to assumptions |
Property Eligibility
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| Factor | Questions to resolve |
|---|---|
| Use/type | Questions to resolve1–4 unit, 5+ unit, mixed use, condo, condotel, manufactured, rural, land or specialized use? |
| Condition | Questions to resolveHabitable/stabilized, deferred maintenance, active renovation or ground-up construction? |
| Title/access | Questions to resolveMarketable title, legal access, easements, liens, leases and entity vesting? |
| Income legality | Questions to resolveZoning, permits, certificate of occupancy, short-term-rental and local licensing rules? |
| Association | Questions to resolveRental caps, litigation, assessments, insurance and project eligibility? |
| Environmental | Questions to resolvePrior use, hazards, flood/wildfire exposure and required reports? |
Value, Rent and Appraisal Review
Value can be analyzed as-is, as-completed or through an income approach depending on the property and loan. An appraisal is an independent opinion for the engagement—not a guarantee of sale price, future value or investment performance.
Confirm whether leverage uses purchase price, appraised value, cost basis or the lower of specified amounts. For rehab scenarios, distinguish as-is value from after-repair value and understand how scope completion is verified.
Liquidity, Reserves and Financed-Property Exposure
- Down payment/equity and closing costs are separate from post-closing liquidity.
- Reserves may be measured in months of defined property payments or by another provider method.
- Providers may evaluate reserves across other financed properties, contingent liabilities and entity obligations.
- Gift, borrowed, business and cryptocurrency assets may have program-specific acceptability and sourcing rules.
- Do not move funds, open debt or change entity/title structure without asking the selected provider.
Fannie Mae’s current Selling Guide includes separate requirements concerning multiple financed properties, rental income, reserves and other real estate owned. Those agency rules do not govern every investor product, and providers may add overlays or use different frameworks.
Insurance, Flood and Hazard Review
- Obtain an investor/landlord or commercial policy appropriate to actual use—not an owner-occupied homeowners policy.
- Verify replacement-cost, loss-of-rents/business-income, liability, vacancy, builder’s-risk and ordinance/law coverage as applicable.
- Use FEMA’s official Flood Map Service Center for flood-hazard information; insurance or provider requirements may extend beyond mapped high-risk areas.
- Model premium and deductible changes. A quote is not a binder, and insurability can change before closing.
Rehab Budget and Draw Controls
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| Control | Confirm in writing |
|---|---|
| Scope/budget | Confirm in writingDetailed line items, contingency, permits, professional fees and excluded work |
| Contractor | Confirm in writingLicensing, insurance, experience, contract, draw documentation and lien waivers |
| Advances | Confirm in writingInitial advance, reimbursement timing, inspections, retainage and minimum draws |
| Changes | Confirm in writingApproval process, budget reallocations, overruns and borrower cash obligations |
| Completion | Confirm in writingDeadline, extensions, final inspection, certificate of occupancy and conversion/takeout |
Repayment, Recourse and Prepayment Terms
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| Term | What to inspect |
|---|---|
| Fixed/adjustable | What to inspectInitial rate, index, margin, caps, resets and maximum payment |
| Interest-only | What to inspectIO period, amortization after reset, balloon and principal balance at exit |
| Balloon/maturity | What to inspectExact payoff date, extension conditions/fees and refinance risk |
| Prepayment | What to inspectDeclining penalty, fixed period, minimum interest, yield maintenance, defeasance or other formula |
| Recourse/guaranty | What to inspectWho is liable, limits, burn-off, completion obligation and carve-outs |
| Covenants/default | What to inspectDSCR/LTV tests, reporting, cash management, cross-default, default interest and remedies |
Documents control: Marketing summaries do not override the commitment, note, deed of trust/mortgage, assignment of rents, guaranty, loan agreement or closing documents. Obtain professional review when terms are material or unfamiliar.
Rates, Points, Fees and Total Cost
Investor-loan pricing can depend on property, occupancy, leverage, credit, DSCR or NOI, liquidity, entity, experience, term, prepayment structure and market conditions. An advertised rate without the full scenario is not a reliable comparison.
Consumer mortgage disclosures such as a Loan Estimate may apply to some transactions, while many business-purpose or commercial transactions follow different disclosure frameworks. Ask what written term sheet, fee schedule and closing disclosure you will receive; do not assume the same rules apply to every investor loan.
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| Cost | Compare |
|---|---|
| Rate/interest | CompareFixed or variable; day-count; default rate; interest-only period |
| Origination/points | CompareDollar amount and percentage; refundable or earned when paid |
| Third party | CompareAppraisal, inspection, environmental, title, legal, recording, survey and insurance |
| Ongoing | CompareServicing, draw, unused line, annual, extension, late and covenant fees |
| Exit | ComparePrepayment penalty, yield maintenance, defeasance, release fees and payoff processing |
| Cash required | CompareEquity/down payment, reserves, rehab carry, escrows and post-closing liquidity |
Purchase, Refinance and Cash-Out Paths
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| Purpose | Key comparison |
|---|---|
| Purchase | Key comparisonBasis, leverage, property condition, closing certainty, carry and permanent exit |
| Rate/term refinance | Key comparisonCurrent payoff, seasoning, stabilized income, costs, maturity and total debt service |
| Cash-out refinance | Key comparisonCash proceeds, new leverage, purpose restrictions, reserves, taxes and prepayment |
| Bridge-to-permanent | Key comparisonTakeout eligibility, stabilization evidence, deadlines and extension economics |
Property and Sponsor Due Diligence
- Verify title, liens, taxes, legal access, survey, zoning, permitted use and certificate of occupancy.
- Review leases, deposits, delinquencies, concessions, tenant rights and local landlord obligations.
- Inspect structure, systems, roof, moisture, pests, environmental conditions and deferred maintenance.
- Validate taxes, insurance, utilities, HOA, management, repairs, turnover, leasing and capital expenditures.
- Confirm market rent with multiple supportable sources; test vacancy and rent decline.
- Check flood, wildfire, storm, earthquake and other location-specific exposures.
- Investigate contractors, permits, scope, budget, contingency and realistic completion time.
- Engage qualified legal, tax, insurance, property-management and inspection professionals as needed.
Document Readiness Checklist
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| Category | Possible documents—provider controls |
|---|---|
| Identity/entity | Possible documentsGovernment ID, formation documents, EIN, good standing, operating agreement, resolutions |
| Financial | Possible documentsBank/brokerage statements, source of funds, liabilities, schedule of real estate, tax returns if required |
| Property | Possible documentsContract, title, insurance, appraisal, leases, rent roll, taxes, HOA and property-management agreement |
| Rehab | Possible documentsPlans, permits, detailed budget, contractor agreement, licenses, insurance, timeline and exit plan |
| Experience | Possible documentsOwned/completed property schedule, settlement statements, management or sponsor résumé |
| Commercial | Possible documentsTrailing operations, year-to-date statement, budgets, tenant estoppels, environmental/survey/property reports |
Do not email sensitive documents to an unverified recipient. Confirm the provider and secure upload method independently. ShopRates should not collect unnecessary financial documents through a general website form.
Same-Scenario Offer Worksheet
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| Compare | Offer A | Offer B | Offer C |
|---|---|---|---|
| Provider / product | Offer A | Offer B | Offer C |
| Loan amount / proceeds | Offer A | Offer B | Offer C |
| Rate / fixed or variable | Offer A | Offer B | Offer C |
| Monthly debt service | Offer A | Offer B | Offer C |
| Term / amortization / IO | Offer A | Offer B | Offer C |
| Points and lender fees | Offer A | Offer B | Offer C |
| Third-party and ongoing fees | Offer A | Offer B | Offer C |
| Prepayment / exit fee | Offer A | Offer B | Offer C |
| Recourse / guaranty | Offer A | Offer B | Offer C |
| Reserves / covenants | Offer A | Offer B | Offer C |
| Funding/draw conditions | Offer A | Offer B | Offer C |
| Maturity and extension | Offer A | Offer B | Offer C |
Process: From Strategy to Closing
- Define the property, use, ownership, capital need, hold period and primary/backup exit.
- Prepare a conservative operating model and stress cases before requesting terms.
- Organize entity, sponsor, liquidity, property, lease and project documents.
- Compare the correct product category and request written terms on the same scenario.
- Verify provider identity/licensing where applicable; review deposits and nonrefundable fees.
- Complete valuation, title, insurance, property, environmental and underwriting conditions.
- Review final legal/economic terms with qualified advisers; reconcile every change.
- Close only after funding conditions, reserves, draws, reporting and exit obligations are understood.
Exit-Strategy Stress Test
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| Stress | Question |
|---|---|
| Rent/vacancy | QuestionCan the property carry debt if rent declines or vacancy/collection loss rises? |
| Repairs/capex | QuestionIs there liquidity for an uninsured loss, major system or turnover? |
| Insurance/tax | QuestionWhat if premiums, deductibles or property taxes rise materially? |
| Rehab/timeline | QuestionWhat if work costs more and takes months longer? |
| Refinance | QuestionWhat if rates rise, value falls, DSCR weakens or takeout rules change? |
| Sale | QuestionWhat if marketing takes longer and net proceeds are lower? |
| Maturity | QuestionWhat exact funds or extension rights exist before the due date? |
Frequently Asked Questions
What is a real estate investor loan?
It is financing for an investment property or real-estate business strategy rather than an owner-occupied home. The label includes materially different structures, such as conventional investment-property mortgages, DSCR loans, bridge and rehab loans, portfolio or blanket facilities, and multifamily or commercial loans.
How is a DSCR loan different from a conventional investment-property loan?
A conventional investment-property mortgage generally underwrites the borrower and eligible rental income under applicable program rules. A DSCR loan generally emphasizes eligible property rent relative to a defined debt obligation under provider-specific rules. Neither route guarantees approval, and both can require substantial documentation.
Do real estate investor loans require tax returns?
Some do and some may use another permitted method. Conventional or commercial underwriting may request personal or business tax returns, while certain DSCR or portfolio programs may not use tax returns to calculate qualifying income. “No tax returns” does not mean no verification or no documentation.
Can I close an investment-property loan in an LLC?
Some programs permit eligible entities, while others require individual ownership or impose transfer restrictions. Entity closing does not automatically remove personal recourse or a guaranty. Confirm vesting, authority, liability and tax effects with the provider and qualified advisers.
What DSCR do I need for a rental-property loan?
There is no universal ratio. Providers define income and debt differently and may adjust eligibility, leverage, pricing or reserves by ratio and scenario. Ask for the provider’s written formula and do not treat a ratio as approval or investment advice.
Can projected rent be used when a property is vacant?
Sometimes, if the chosen program accepts eligible market-rent evidence or an appraisal rent schedule. Other programs may require a lease, operating history or additional support. Vacancy, lease-up and expense assumptions still need to be stress-tested.
What is the difference between a bridge loan and a fix-and-flip loan?
Bridge financing broadly covers a short-term capital or timing gap. Fix-and-flip financing is a specialized short-term structure for acquisition, renovation and resale and commonly includes rehab draws. Products can overlap, so compare the actual term, budget, draw, extension and exit provisions.
What is a blanket loan?
A blanket loan is secured by more than one property. It may simplify portfolio financing but can introduce cross-collateralization, cross-default and property-release requirements. Review how each property can be sold or refinanced and what paydown is required.
Are loans for five-unit properties the same as residential rental loans?
Usually not. A property with five or more dwelling units is generally evaluated as multifamily/commercial real estate, with emphasis on net operating income, property DSCR, occupancy, sponsor strength and commercial terms. Exact classification and provider requirements vary.
Do investor loans have prepayment penalties?
Some do. Terms may include a declining penalty, minimum interest, yield maintenance, defeasance or another formula. Ask for worked payoff examples at multiple dates and review the controlling documents before closing.
What reserves should a rental-property investor keep?
There is no universal amount. Provider-required reserves are only one layer; an investor should also evaluate vacancy, repairs, insurance deductibles, taxes, utilities, capital expenditures, rehab overruns and debt maturity. Use a property-specific stress test.
Does ShopRates approve or fund real estate investor loans?
No. ShopRates provides educational information and may connect users with independent providers. ShopRates is not a lender, broker, originator, servicer, underwriter, investment adviser or credit decision-maker and does not guarantee approval, rates, terms, funding, closing or returns.
Compare the Financing Structure to the Investment Plan
Share the property type, intended use, capital need, timeline and exit so an independent provider can determine which paths it offers. Compare written terms, risks and total economics before paying nonrefundable fees or signing.
No guarantee of eligibility, approval, rate, leverage, funding, closing, profit or investment return.
RELATED GUIDES
Sources
- Fannie Mae — Rental Income: selling-guide.fanniemae.com/sel/b3-3.8-01
- Fannie Mae — Multiple Financed Properties: selling-guide.fanniemae.com/sel/b2-2-03
- Fannie Mae — Occupancy Types: selling-guide.fanniemae.com/sel/b2-1.1-01
- Fannie Mae — Minimum Reserve Requirements: selling-guide.fanniemae.com/sel/b3-4.1-01
- Fannie Mae — Other Real Estate Owned: selling-guide.fanniemae.com/sel/b3-6-06
- Fannie Mae — General Property Eligibility: selling-guide.fanniemae.com/sel/b2-3-01
- Freddie Mac — Rental Income: guide.freddiemac.com/app/guide/section/5306.1
- IRS Publication 527 — Residential Rental Property: irs.gov/forms-pubs/about-publication-527
- IRS Topic 414 — Rental Income and Expenses: irs.gov/taxtopics/tc414
- IRS — Rental Income and Expenses Tips: irs.gov/businesses/small-businesses-self-employed
- FEMA Flood Map Service Center: msc.fema.gov
- HUD — Fair Housing Act Overview: hud.gov/helping-americans/fair-housing-act-overview
- CFPB — Compare Loan Estimates: consumerfinance.gov/owning-a-home/compare
- NMLS Consumer Access: nmlsconsumeraccess.org