Home loans
Investor loans
Equity & retirement
Independent broker, powered by Loan Factory
Apply with AI in one go. We shop your purchase or refinance across 220+ wholesale lenders, backed by our $2,000 Best Price Guarantee.
Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.
Offer expires the end of this month.
Jerry L. Kindig III leads the Pick My Mortgage Rate team. As an independent broker, Jerry shops your loan across wholesale lenders nationwide and coaches every loan officer on the team to serve you at the highest level.
How it works
Our AI-guided application asks the right questions and gets your file lender-ready. Stop and finish anytime, and a licensed loan officer reviews everything.
As an independent broker, we compare your purchase or refinance across our wholesale lender network instead of one bank's menu.
See your options and buydown choices side by side. We help you decide, then we close.
Loan programs
Flexible terms for a primary home, second home, or investment property.
Purchase + RefinanceGovernment-backed financing with flexible credit guidelines.
Purchase + RefinanceFor veterans, active-duty service members, and eligible surviving spouses.
Purchase + RefinanceFinancing for homes in eligible rural and suburban areas.
Purchase + RefinanceGrants and assistance programs that can help cover your down payment and closing costs.
Purchase + RefinanceFinancing for manufactured homes, with or without land.
Purchase + RefinanceQualify with bank statements instead of tax returns.
Purchase + RefinanceInvestors qualify on the property's rental income, not personal income.
Purchase + RefinanceShort-term financing for acquisition and renovation.
Purchase + RefinanceStaged draws for ground-up builds, major additions, and redevelopment.
Purchase + RefinanceA first-lien HELOC that works like your checking and savings account.
Purchase + RefinanceHomeowners 55+ can tap equity or buy a home without monthly mortgage payments.
Purchase + RefinanceOur brokerage covers 48 states, and Shop Rates works in all 48. See all state licenses.
Yes. Our online application uses AI to guide you through each question, gather what lenders need, and get your file ready to shop. You can stop and finish later, and a licensed loan officer reviews everything. Prefer a person? Call or text (480) 526-4505.
We are an independent mortgage broker powered by Loan Factory. Instead of offering one bank's pricing, we compare your loan across 220+ wholesale lenders so you can see your options side by side and choose.
Every program we offer is available for both purchases and refinances, including Conventional, FHA, VA, USDA, DSCR, Non-QM, Reverse, and more.
If you close with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance on an identical loan, we send you a $2,000 check. It applies to loan amounts of $200,000 or more, is not available in Washington, and other conditions apply. See the full terms on our Best Price Guarantee page.
Jerry Kindig is personally licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Through our brokerage, Shop Rates works in 48 states.
It is a free report on your home's estimated value and equity. When you sign up, you can also opt in to rate alerts so we can let you know when refinancing may make sense.
Tell us what you're planning and a licensed loan officer will follow up. Prefer to move now?