Price My Own Loan — Real Rates in Under a Minute

See real, personalized mortgage pricing right here on our site — no Social Security number, no hard credit pull, and no leaving the page. Answer a few quick questions and the pricing engine returns live rate and payment scenarios you can actually use to plan.

5.0★ Google, Yelp & Zillow
A+ BBB
Top 20 Lenders shopped
Licensed in 9 states
No credit pull to quote

PRICE YOUR OWN LOAN

Enter your scenario below — pricing updates instantly, right here on our site.



Rates and scenarios shown by the pricing tool are illustrative and depend on the details you enter (loan amount, property type, occupancy, estimated credit, and location). They are not a loan approval or commitment. For a locked quote on your specific file, connect with Victor below.

Young couple pricing their own mortgage online on a laptop at home
1

Tell us the scenario

Purchase or refinance, price, down payment, and a few basics. No SSN, no documents.

2

See live pricing

The engine returns real rate and monthly-payment scenarios instantly, on this page.

3

Talk to a human

Like what you see? Victor shops it across 20+ wholesale lenders for the best fit.

Powered by OnPoint Mortgage Pro — rated 5.0★ on Google, Yelp & Zillow, A+ with the BBB, and licensed across California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas & Virginia.

Why price your loan here instead of a rate table?

National rate tables and advertised rates assume a perfect borrower and a perfect scenario — then the number changes the moment you actually apply. This tool is different: it prices your scenario against OnPoint’s wholesale pricing, so the rate and payment you see reflect the loan you’re actually thinking about. And because OnPoint is a broker shopping 20+ wholesale lenders rather than a single bank, the pricing here reflects a competitive market instead of one lender’s rate sheet.

Nothing you do here triggers a hard credit inquiry, and none of it leaves our site. When you’re ready to turn a scenario into a locked quote, that’s a quick conversation — not another form on another website.

Want a real person to shop it for you?

The pricing tool gives you the numbers instantly. A five-minute call turns those numbers into a real strategy: which of the 20+ wholesale lenders fits your credit tier and property type, whether points make sense, and how to structure the loan around your goals. No credit pull on the first call.

Victor Santos, Senior Loan Officer at OnPoint Mortgage Pro

Victor Santos
Senior Loan Officer & Mortgage Broker · OnPoint Mortgage Pro
📞 (949) 486-8200  ·  ✉ info@onpointmortgagepro.com
📍 530 Technology Dr, Ste 100, Irvine, CA 92618  ·  🕐 Mon–Fri, 8:00am–5:00pm PT
NMLS #888844 · OnPoint Mortgage Pro NMLS #2134550 · Licensed in CA, CO, FL, ID, MD, NH, SC, TX & VA

Frequently asked questions

Does pricing my loan here affect my credit score?

No. The pricing tool does not run a hard credit inquiry. You enter an estimated credit range yourself, and the engine prices the scenario from that. A hard pull only happens later, with your permission, when you move forward on an actual application.

Do I leave the OnPoint website to use this?

No. The pricing engine is embedded directly in this page. You price your loan, see scenarios, and (if you choose) submit your info without ever leaving onpointmortgagepro.com.

Is the rate I see a guaranteed quote?

The rates shown are real, current pricing for the scenario you enter, but they are illustrative — not a locked rate or a loan commitment. Final pricing depends on a full application, credit verification, property details, and a rate lock. Call (949) 486-8200 to lock a quote on your specific file.

Can I use this for a refinance too?

Yes. The tool prices both purchase and refinance scenarios. For a deeper side-by-side of your current loan versus a new one, use our Refinance Calculator, then price the winning scenario here.

Related tools & loan resources

Pricing shown by the embedded tool is illustrative and depends on the scenario details you enter; it is not a loan approval, rate lock, or commitment to lend. OnPoint Mortgage Pro (NMLS #2134550) and Victor Santos (NMLS #888844) are licensed in California, Colorado, Florida, Idaho, Maryland, New Hampshire, South Carolina, Texas, and Virginia. Equal Housing Lender.