Open House Alerts, a Cash Buyer Path and Clearer Rate Estimates: What's New and How You Can Help Test

Since our November update, our testers ran full purchases, refinances and loan applications again from start to finish. Here's everything we fixed and added, and how you can help us test it.

Open House Alerts for Saved Homes

You can now find out when a home you've saved has an open house.

A new Alerts button on every saved home. Tap the bell on a property card to choose which alerts you get.
Price alerts stay on. You'll still hear when a price drops or rises, or when a home sells or comes off the market. You can turn these off for each home.
Open house alerts are opt-in. Turn them on and we'll tell you when an open house is posted, then remind you the day before.
Times in the home's own time zone. Upcoming open houses are listed in the Alerts window with the date, start and end time, and whether it's in person or virtual.

Alerts arrive by email and app notification. Turning off Shopping Notifications in Settings pauses all of them.

A Real Path for Cash Buyers

If you're paying cash, you no longer have to go through mortgage steps that don't apply to you.

Cash homes skip the loan steps. Each property card shows "Cash buyer" and asks you to confirm proof of funds, not a loan application.
Straight to your offer. Once your proof of funds is confirmed, you go directly to the offer step.
No loan estimates on cash homes. Loan estimates, rate trackers and pre-qualification letters are hidden for homes you're buying with cash.

Rate Estimates You Can Understand

The rates and payments inside the app are personalized estimates, so they can differ from the rates advertised on our home page. We made that clearer and fixed the math behind them.

Estimates based on your profile. Your buying power and the eligible programs table now use rates priced for your credit score, loan program and loan term instead of a single base rate. Each program in the table shows its own rate.
No more $0 estimates. If a loan term was missing, some estimates showed $0. They now default to a 30-year term.
A clear disclosure everywhere we quote a rate. Rates, APRs, payments and buying power are estimates, not a loan offer or a rate lock. Your actual terms depend on underwriting, including your credit, income, employment, assets, liabilities and overall creditworthiness, plus the property, loan amount, down payment and program guidelines. Not all applicants will qualify.
Accurate pre-qualification letters. Letters now say they're based on information you provided. No credit report is pulled to create one.
A clear message when an estimate can't load, instead of a blank screen.

Make the Offer You Want

The offer slider covers 80% to 105% of the list price. If you want to go lower or higher, drag the slider to either end and type any amount in the box that appears. Your down payment adjusts so it never exceeds your offer.

Better Refinance Scenarios

Your real escrow. Refinance scenario payments now use your current taxes and insurance, so the monthly payment comparison is accurate.
Honest break-even. We no longer show a break-even point for cash-out refinances, or when it would take longer than the loan term to break even.

Loan Applications and Documents

Uploads count right away. Documents you upload now count toward your checklist, both in your profile and in your loan application.
Sensible limits on forms. The number of dependents must be a whole number from 0 to 20, and down payments must be between 0% and 100% and can't exceed the purchase price.
Old links still work. Links to the old loan application pages now take you to the loan application, keeping any application you'd started.

Smaller Fixes

Real "page not found" pages. Web addresses that don't exist now show a not-found page instead of a blank app.
Sellers: "Back to Properties" on the waiting screen now takes you to your properties.
Admins: the interest rate history page loads again.

How You Can Help Test

We'd love your help finding anything we missed. Here's what to try:

Save a home and open its Alerts. Turn on open house alerts and tell us if the times look right.
Buy with cash. Choose cash as your program on a saved home and go from proof of funds to an offer.
Check your rate estimates. Compare your buying power and the eligible programs table with your credit score and loan term. Do the numbers make sense?
Try an unusual offer. Drag the offer slider to either end and type an amount below 80% or above 105% of the list price.
Upload documents. Confirm your checklist counts each upload in both your profile and your loan application.
Run a refinance. Compare the scenarios with your current payment, taxes and insurance.
Try to break a form. Enter a negative number of dependents or a down payment over 100% and make sure it's caught.

When you report something, include the page you were on, what you expected and what happened. A screenshot helps a lot.

Questions?

If you have questions, find a problem or want to help test, email us at support@unbeatableloans.com. A real person reads every message.

Frequently Asked Questions

Why is my in-app rate different from the home page?

The home page shows advertised rates for a typical borrower. In the app, we estimate your rate from your own profile, including your credit score, loan program and loan term. Your final rate is set only after a full application and underwriting.

Do I have to turn on open house alerts for every home?

Yes. Open house alerts are off by default and you turn them on for each saved home. Price alerts are on by default.

Can I make an offer below 80% of the list price?

Yes. Drag the offer slider all the way left and type your amount. Sellers aren't required to accept any offer.

Is Unbeatable Loans a lender?

Unbeatable Loans is a licensed mortgage broker (NMLS #1827883). We arrange loans with third-party lenders and compare programs for you.

Ready to try the updates? Explore our loan programs or add a home and start an estimate today.

John Pastre · 2026-11-10 · 6 min read