Submit your existing Loan Estimate and get a competitive response within 60 minutes — no credit pull, no obligation, no pressure.
Upload your existing Loan Estimate from any lender using the form on this page. Include your purchase price, loan amount, credit score, and property type. Takes less than 5 minutes.
Our team analyzes every detail — rate, discount points, origination fees, APR, and cash to close — against what we can offer through our network of 190+ wholesale lenders.
Within 60 minutes you receive a competitive offer — or honest confirmation that your current lender is already offering strong terms. No credit pull. No obligation. No pressure.
Seattle Mortgage Pros operates as a wholesale mortgage broker through NEXA Mortgage — the largest wholesale mortgage broker in the country. This means we access lender pricing at the wholesale level, which is typically lower than what those same lenders offer retail consumers directly. When you apply at a retail bank, you pay that bank’s markup. We don’t charge that markup.
We compare your Loan Estimate against pricing from more than 190 wholesale lenders simultaneously. This gives us an unusually broad view of the market — and unusually strong leverage to find the most competitive terms for your specific loan scenario, credit profile, and property type.
No. LE Compete does not require a new credit inquiry. We evaluate your existing Loan Estimate without pulling your credit. Your credit score is not impacted by submitting for review.
Yes. LE Compete is a completely free service offered by Seattle Mortgage Pros. There is no fee, no application, and no obligation to submit your Loan Estimate for a competitive review.
We’ll tell you honestly. If your current lender is already offering competitive terms, we’ll say so clearly. You’ll leave knowing you already have a strong deal — which is valuable information on its own. No pressure to switch, ever.
Yes — and this is one of the most common times buyers use LE Compete. Many buyers don’t start seriously comparing lenders until they’re already under contract. As long as there is enough time before your closing date to complete a new loan application, switching lenders is possible. Our team will be upfront about timelines during the review process.
During business hours, our team responds within approximately 60 minutes of receiving your submitted Loan Estimate. The submission itself takes less than 5 minutes. You’ll have a full competitive analysis in about an hour total.
LE Compete works for most conventional, FHA, VA, and jumbo purchase and refinance loans. If you have a specialty loan scenario — such as a non-QM loan, bank statement loan, or manufactured home loan — contact us directly and we’ll let you know whether LE Compete applies to your situation.
No. Submitting your Loan Estimate through LE Compete creates zero obligation. You’ll receive our competitive analysis and the decision to move forward — or stay with your current lender — is entirely yours. There is no pressure and no follow-up sales calls.
Yes. Refinancing homeowners often have more flexibility than buyers and should absolutely shop multiple offers. If you’ve received a refinance Loan Estimate and want to know whether it’s competitive, submit it through LE Compete and we’ll review it and respond within 60 minutes.
Because the interest rate is only one variable. Two lenders can offer the same rate but charge very different fees, points, and closing costs. LE Compete analyzes the full Loan Estimate — origination charges, discount points, APR, and cash to close — to give you a true total-cost comparison, not just a surface-level rate quote.
Yes. LE Compete™ is a proprietary program created and offered exclusively by Austin Sodorff, licensed mortgage loan officer with Nexa Lending. It is available only through his two websites — Seattle Mortgage Pros (seattlemortgagepros.com) and Wild West Lending (wildwestlending.com). You will not find LE Compete offered by any other loan officer, brokerage, or lender. It was built to give homebuyers and homeowners a fast, honest, and structured way to compare mortgage offers without starting the lending process over from scratch.
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