Complete our secure online application and upload your current written quote. It is completely free, there is no cost to apply or qualify. Written quote must be a recent official Loan Estimate from a company licensed by the Nationwide Multistate Licensing System and Registry (NMLS). As part of the loan qualification and approval process we will obtain your credit information from Experian, EquiFax, and TransUnion via CoreLogic Credco. This will show as a home loan inquiry on your credit history. $500 Challenge: To receive the $500 challenge guarantee you must successfully close your purchase or refinance loan with the same lender and terms as the submitted loan estimate within 45 days. Check to be written payable to Borrower One. Borrower One to provide W9 and understands this payment will be reported to the IRS.