Compare Mortgage Options in One Place
MoneyLine Direct matches you with multiple licensed mortgage lenders so you can compare rates, terms, and closing costs side-by-side. Whether you're a first-time home buyer, looking to refinance for a lower rate, or considering a cash-out refinance to pay for renovations, you'll get tailored quotes within minutes.
Loan Types We Match You With
Our lender network offers conventional, FHA, VA, USDA, jumbo, and non-QM loans for purchase, rate-and-term refinance, cash-out refinance, and home equity. VA loans require no down payment for eligible veterans. FHA loans require as little as 3.5% down with credit scores from 580.
Frequently Asked Questions
Does getting a quote affect my credit?
No. Submitting our form is a soft inquiry only and does not affect your credit score. A lender may run a hard inquiry later when you formally apply.
What credit score do I need?
Most conventional loans require 620+, FHA loans 580+ (or 500+ with 10% down), VA loans typically 580+. We match you with lenders that fit your credit profile. See our full breakdown of approval odds by score for why the real number lenders require is often higher than the program minimum.
How long does the mortgage process take?
Refinances typically close in 30-45 days; purchases in 30-60 days depending on appraisal and underwriting.
What documents will I need?
Typically: recent pay stubs, W-2s or 1099s for the last 2 years, tax returns, bank statements, and ID. Self-employed borrowers may need additional documentation.
Can I get a mortgage with bad credit?
Yes — FHA-backed options open around a 580 score and some lenders go lower with a bigger down payment, while VA loans offer flexibility for eligible service members. Quotes are free and show which programs fit your profile.
Do bad-credit mortgages have much higher rates?
Rates step up as scores step down, but the gap varies a lot by lender — which is exactly why comparing several quotes matters most for lower-score borrowers. Rate shopping through us uses only a soft pull.
How do I know if refinancing is actually worth it?
It comes down to a break-even calculation: closing costs divided by your monthly savings tells you how many months until the refinance pays for itself. See our full break-even math walkthrough.
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