The main question is whether you signed a buyers agent agreement. If you have not signed a buyers agent agreement yet, you are not obligated to use a buyers agent. If you signed a binding buyers agent agreement, you will likely need to wait until the expiration of the agreement to submit an offer with Unbeatable Loans, but we can ALWAYS give you an Unbeatable Loan in conjunction with letting your agent submit an offer.

Seeing a home without a buyers agent is as simple as finding a house that you wish to visit. Your Unbeatable Assistant will arrange for a showing-only agent to meet you at the house according to your schedule. Once you are pre-approved with Unbeatable Loans to see a home, your first tour of up to 4 homes is on us.

Adding homes to your Unbeatable Loans Account is as simple as shopping on websites where you normally shop. Add a home to the Unbeatable Loans platform currently requires use of our chrome extension. On the page of the property that you wish to add to your Unbeatable Loans account, activate the chrome extension.

Select the information displayed on the chrome extension modal by moving your mouse around the screen until the information is correct. You can select information independently after the first selection. Select "Get your Loan Estimate" to submit the property. Refresh the page on your Unbeatable Loans Account to see your loan estimates or progress towards making an offer.

Check out our dedicated page for the application and chrome extension by accessing directly app.unbeatableloans.com

Mortgage brokers do the shopping between mortgage lenders for you to ensure you get the lowest rate the market has to offer. Mortgage brokers are licensed to originate loans from mortgage lenders and they get access to wholesale rates. Mortgage lenders have direct to consumer "retail" outlets that customers must go through. When consumers go direct to these retail outlets, they are paying higher prices for higher rates. Mortgage brokers are able to achieve wholesale mortgage rates from the same mortgage lenders you shop at, in addition to more wholesale lenders, who only offer loans to mortgage brokers.

Your borrowing capacity depends on various factors, including your income, credit score, assets, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount. The first step to find out how much you can borrow starts with determining your maximum monthly mortgage payment.

Typically, you’ll need to provide 30 days of paystubs, your drivers license, two years of W2 forms, 2 months of bank statements from all of your accounts, and proof of bonus, commission or overtime for the past two years. Once you start an application, it will automatically request the specific documentation for your scenario. After applying and uploading documentation, you will receive a pre-approval.

We offer unbeatable rates and unbeatable timelines. You can get approved and close with a conventional loan in 14 days. Certain loan products we close in 1 business day. It takes approximately 30 minutes to apply for a loan, and your credit is not automatically pulled.