Banks show you one rate. We show you what 100+ wholesale lenders actually offer.
Already under contract? Still shopping? Either way — see what you actually qualify for.
Check My Rate — FreeWho We Serve
Loan Products
Why BankPricer
How It Works
No jargon. No surprises. No pressure. A clear, guided path to the right mortgage for your life.
A free consultation — no forms, no credit pull. An honest conversation about your goals, timeline, and financial picture.
We shop 100+ lenders and present the top loan structures matched to your situation, with plain-English explanations of each option.
You choose the loan that fits. We handle every step, communicate with all parties, and close — typically in 21 days or less.
Mortgage Calculators
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.
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 →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 →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 →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 →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 →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 (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 →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 →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 →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 →See exactly how your loan balance, interest, and principal break down year by year.
| Year | Principal | Interest | Balance |
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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.
"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."
Mortgage Education
Free guides, analysis, and plain-English explanations — because an informed borrower makes better decisions.
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 AnalysisDown 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 QualifyListing 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 Resource
A one-page breakdown of what lenders actually look at — credit, income, debt, and reserves — so you know exactly where you stand before you talk to anyone.
Free Rate Check
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.
500+ Chicago families helped — ★★★★★ 4.85 on Experience.com
No credit pull. No spam. No obligation. Ever.
Typical response: within 2 business hours.
Find out in 5 minutes if you're leaving money on the table — free, no credit pull, no pressure.