Are you getting the best rate you actually qualify for?
Your lender gave you one number. You deserve to see what 100+ wholesale lenders would offer for the same deal.
Who We Serve
Your situation. Your next move.
The Future Homeowner
The Strategic Mover
The Equity Optimizer
The Honored Veteran
"Jeff was amazing to work with. He helped me purchase my first home. I was very unfamiliar with the process and nervous along the way. He was extremely knowledgeable, responsive, and prompt during the whole process. I highly recommend him!"
"Jeff Shin helped us get our first home! He was a pleasure to work with and I cannot recommend him enough. He is incredibly knowledgeable and took his time explaining the details of our first purchase."
"Couldn't have asked for a more helpful and professional person than Jeff! He really helped me out of my financial predicament by refinancing my mortgage into a VA loan. Super pleased with the services and outcome he provided."
Why BankPricer
We give you the information to decide - even if you don't work with us.
We show you the math before you decide
We surface programs most lenders don't mention
We find approvals other lenders cannot
What Sets BankPricer Apart
How It Works
Diagnose. Prescribe. Close.
A guided mortgage process built to feel clear, strategic, and low-pressure from the first conversation to closing.
Diagnose
A free consultation - no forms, no credit pull. An honest conversation about your goals, timeline, and financial picture.
Prescribe
We shop 100+ lenders and present the top loan structures matched to your situation, with plain-English explanations of each option.
Close
You choose the loan that fits. We handle every step, communicate with all parties, and close - typically in 21 days or less.
Featured Tools
Run the numbers on the two questions that matter most.
Start with a payment estimate or a refinance break-even. For everything else, use the deeper resources and loan-program pages.
11 calculators - from basic payment estimates to tax benefit analysis. Use them freely, then let's talk about what the numbers mean for your situation.
Purchase Payment Calculator
Estimate your total monthly housing payment including taxes, insurance, and PMI.
These are estimates. Get your actual rate and payment from Jeff.
Get My Real Numbers →Refinance Savings Calculator
Compare your current loan to a new rate and find your break-even point.
Ready to find out if refinancing makes sense for you?
Talk to Jeff About Refinancing →Affordability Calculator
Estimate how much home you can qualify for based on income and debts (28/43 DTI guidelines).
Get pre-qualified and know your exact budget before you shop.
Start Pre-Qualification →Extra Payment Payoff Calculator
See how much time and interest you save by adding extra to your monthly payment.
Want to build equity faster? Let's structure the right loan for your goals.
Talk Strategy with Jeff →Rate Buydown Calculator
Is it worth paying points to lower your rate? Find your break-even and 5-year savings.
Jeff can often get sellers or builders to fund your buydown. Let's talk.
Ask About Seller-Funded Buydowns →Tax Benefits Calculator
Estimate your annual mortgage interest deduction and effective after-tax cost of homeownership.
Consult a tax advisor for your specific situation. These are estimates.
Talk Through the Numbers →APR Calculator
APR (Annual Percentage Rate) factors in fees and gives you the true cost of a loan for comparison.
When comparing lenders, always compare APR - not just the rate.
Get a Transparent Rate Quote →Income Qualifier Calculator
Working backwards - what income do you need to qualify for a specific loan amount?
Income requirements vary by loan type. Jeff can often find programs with more flexibility.
Discuss Loan Options →Interest Only Calculator
Compare interest-only payments vs full amortizing payments - and see when payments jump.
Interest-only loans have specific qualifying criteria. Let's discuss if this fits your plan.
Talk to Jeff →Points vs. No Points Calculator
Each discount point costs 1% of the loan and typically lowers your rate by 0.25%. Is it worth it?
The right number of points depends on how long you plan to stay. Let's figure it out.
Optimize My Rate Strategy →Amortization Schedule
See exactly how your loan balance, interest, and principal break down year by year.
| Year | Principal | Interest | Balance |
|---|
Results are estimates for educational purposes only and do not constitute a loan commitment or guarantee. Contact Jeff Shin, NMLS #1041652, for personalized loan analysis.
Mortgage Education
Know before you sign.
Free guides, analysis, and plain-English explanations - because an informed borrower makes better decisions.
Should You Tap Your Home Equity? Here's the Math.
Sitting on $150K in equity with high-interest debt? Before you do anything, run the blended rate analysis. Here's exactly how we do it.
Read the AnalysisThe DPA Programs Most Lenders Never Tell You About
Down payment assistance programs exist in almost every state. Most retail lenders don't mention them. Here's what's available in Illinois and how to qualify.
See If You QualifyWhy VA Loan Offers Get Rejected (And How We Fix It)
Listing agents misunderstand VA loans. We call them directly, explain the facts, and get veteran offers accepted. Here's the script and the data behind it.
Read the GuideFree Rate Check
See if you're overpaying on your rate.
Tell us your scenario. We'll compare 100+ wholesale lenders and show you what's possible - whether or not you end up working with us.
Chicago, IL 60647
Check Your Rate - No Credit Pull, No Obligation
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Your bank has one rate. We have 100+.
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