Second opinion · Chicago-based · Licensed in IL, IN, KS, MI, NJ, TX
Get a second opinion before you become somebody’s lead.
Fill out a rate form on a comparison site and your name, number, and loan details are shared with a queue of lenders who each paid for the privilege. That is the product. Here, one licensed originator reads your actual numbers and tells you what he sees — including when your current offer is already good.
No application. No credit pull. Nothing shared with anyone.
“Jeff Shin was able to help us make a dream come true and get us into our forever home. The process was very easy and straightforward, and if any questions came up he was quick to resolve them.”Verified client · Purchase
“I had a great experience with Jeff. Especially if you are a first home buyer, Jeff is a great choice to work with. All questions you have, he will answer and help you.”Verified client · First-time buyer
“This is my second time dealing with Jeff. He has been very helpful, knowledgeable, and looking for the best way to help my husband and I. He responds very quickly and is always attentive.”Verified client · Repeat client
“Jeff went above and beyond to help us step by step through the process and make everything so much easier. He takes the time to explain everything and make sure you understand.”Verified client · Purchase
The difference, concretely
What happens to what you tell us
This is the whole argument, so it belongs above the fold rather than in a privacy policy nobody opens.
What we ask for
Your situation, in plain terms: what you are trying to do, roughly what the property is worth, roughly what you owe. Enough to give you a real answer. Not your Social Security number, not a credit pull.
What we do with it
One licensed originator reads it — Jeff Shin, NMLS #1041652. If a lender needs to see your file to price it, we tell you which one and why before that happens.
What we never do
Sell it, trade it, or hand it to a panel of lenders who bid for the right to call you. There is no lead buyer on the other side of this form, because there is no lead being sold.
Rate reality · as of the week ending July 23, 2026
A rate on its own tells you almost nothing.
The useful question is not “what is the rate” but “where does the quote in front of you sit against what the market is actually doing.” Below is the Freddie Mac weekly survey average, dated and sourced, with the last year of it for context. It is a national average across lenders — not a quote, and not a rate anyone was actually offered.
These are survey averages, not offers. Source: Freddie Mac Primary Mortgage Market Survey, retrieved from FRED (Federal Reserve Bank of St. Louis), series MORTGAGE30US. Survey week ending July 23, 2026; retrieved by us on July 29, 2026. Not a quote, not a commitment to lend, and not a rate available to any particular borrower.
No APR is stated with these figures because none exists to state. The Primary Mortgage Market Survey reports note rates only; an annual percentage rate depends on the finance charges of a specific transaction, which a national survey does not collect. These are third-party market observations, not rates offered by BankPricer, and no credit is offered on their terms.
The last 52 weeks, for context
Where the Freddie Mac 30-year fixed survey average has sat, week by week, over the 52 weeks to July 23, 2026. Over that year the average ran between 5.98% (week ending ) and 6.72% (week ending ), averaging 6.32%. This week’s 6.58% is the highlighted band.
Each bar counts weeks out of 52 — not lenders and not quotes. Bands are 0.25 percentage points wide.
Both series, with their 52-week context
| Product | Survey average | Prior week | 52-week low | 52-week high |
|---|---|---|---|---|
| 30-year fixed | 6.58% | 6.55% | 5.98% | 6.72% |
| 15-year fixed | 5.96% | 5.93% | 5.35% | 5.96% |
Survey averages for the week ending July 23, 2026 (Freddie Mac Primary Mortgage Market Survey via FRED, retrieved July 29, 2026). These are weekly national averages from a survey of lenders, not quotes and not offers of credit. The published survey basis is a conventional, conforming, owner-occupied purchase loan with an 80% loan-to-value ratio and a borrower with strong credit; it is an average across lenders and regions, so no individual borrower was offered it. Your own rate depends on your credit profile, loan amount, loan-to-value ratio, occupancy, property type, lock period and program, and your annual percentage rate will be higher than any note rate once costs are included. Rates change without notice. This is not a commitment to lend.
Any payment figure elsewhere on this site reflects principal and interest only and does not include property taxes, homeowners insurance, mortgage insurance, or HOA dues — your actual monthly obligation will be greater.
We archive every retrieval, so the figures shown on any given day can be shown to be the figures that were published on that day.
Got it — that is with Jeff Shin.
He reads these himself, so the reply comes from him and not from a queue. If you gave a phone number he will use the window you picked. Nothing you sent has been shared with anyone.
Need it sooner? (708) 669-8304.
The other door
Not ready to talk to anyone?
Most mortgage sites have exactly one thing for you to do, and it is apply. If you are six months out, that is useless. Tell us the rate that would make the math work and we will email you when the market gets there. Nothing else happens.
Run the payment yourself
Principal, interest, taxes and insurance — with the two costs most calculators leave out. No email until you have a number.
Buying a rental? Check the DSCR
Whether the property carries its own debt at the ratio lenders actually require. Cap rate, cash flow, and cash-on-cash included.
Who reads your file
Jeff Shin
Licensed mortgage originator, NMLS #1041652, working out of Chicago and licensed in Illinois, Indiana, Kansas, Michigan, New Jersey, Texas. The reason this site argues for fit over rate is that the lowest number on a quote sheet is frequently attached to the wrong loan — wrong term, wrong structure, wrong cost to get there.
If your current offer is already good, that is what you will hear. It is a shorter conversation and it is the honest one.
Jeff Shin · NMLS #1041652 · Barrett Financial Group, L.L.C. NMLS #181106 · Illinois Residential Mortgage License #MB.6761630