"Saved $4,200 on my roof replacement"
NestNavigator helps homebuyers and homeowners find the best mortgage rates by comparing offers from multiple competing lenders in one place. Whether you are purchasing your first home, refinancing to a lower rate, or tapping your home equity, our platform connects you with lenders who compete for your business — driving rates down. We offer conventional purchase mortgages, refinancing (rate-and-term and cash-out), HELOCs, and home equity loans through our standard programs. For borrowers with specialized needs, we also offer VA loans, jumbo loans, DSCR loans for investors, bank statement loans for the self-employed, and non-QM options for non-traditional borrowers. The process takes about 2 minutes: answer questions about your loan needs, property, and financial situation. Within hours, you receive competing rate quotes from licensed lenders — no hard credit pull required at this stage. You compare rates, fees, and terms side by side, then choose the lender that fits your needs. NestNavigator is free for borrowers. Lenders in our network pay for the opportunity to earn your business.
Tell us about your loan type, property, and financial goals.
Multiple lenders submit rate quotes — no hard credit pull required.
Compare rates and terms side by side and pick your lender.
"Saved $4,200 on my roof replacement"
"Found 4 contractors in just 2 days"
"Best mortgage rate I could find anywhere"
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NestNavigator connects you with lenders offering purchase mortgages, refinance loans, HELOCs, home equity loans, VA loans, jumbo loans, DSCR loans for investors, bank statement loans for the self-employed, and non-QM options for non-traditional borrowers.
No. Getting rate quotes through NestNavigator does not require a hard credit pull. Lenders provide initial rate estimates based on your self-reported information. A hard pull only occurs after you choose a lender and formally apply.
Most borrowers receive competing offers from 3-5 lenders within 24 hours. In active markets, you may hear from lenders within minutes. Comparing multiple offers typically saves borrowers $1,200-$3,600 per year on their mortgage.
No. NestNavigator is a comparison platform, not a lender. We connect borrowers with a network of licensed mortgage lenders who compete to offer the best rates and terms. You choose the lender — we never choose for you.
There is no minimum credit score to use NestNavigator. Our lender network includes options for all credit profiles — from conventional loans (typically 620+) to FHA (580+), VA (no minimum), and non-QM programs for borrowers with non-traditional credit histories.
Completing your rate request takes about 2 minutes. You will receive competing offers within hours. From there, the full mortgage process (application to closing) typically takes 30-45 days, depending on loan type and complexity.