Melissa had been pre-approved twice before she found Underwrite through her real-estate agent. The other brokers had quoted her 6.4% — a number she'd accepted as fact. When Underwrite's team reviewed her full financial picture, they found a portfolio lender offering a rate that wasn't on any rate-comparison website. Thirty-one days after her first call, she had keys.

Sarah had opened a 5/1 ARM in 2021 when rates were historically low. With the reset date approaching and the new rate projected at 8.2%, her monthly payment was set to jump by $680. She'd contacted two servicers who quoted her 6.6% on a conventional refi. Underwrite found a credit union product at 5.99% with reduced closing costs — and closed in 22 days.