The rate sheet, in your hands.
Jeff MoranMortgage broker, Bluffton SCNMLS #483943See rates, terms, closing costs and loan options for your specific situation.
Then you choose the loan — the rate and the terms that work best for you.
It takes about a minute.
No credit pull, no account, and no need to talk to anyone until you're ready to.
(843) 765-0000
solverya.com
prepared September 2, 2026
What would you like to do?
Choose the transaction. We'll ask only for the details needed to price it accurately.
- These are live market interest rates — and an estimate, not a commitment to lend.
- Your rate isn’t locked yet. It locks once you’ve sent us the information we need to underwrite your loan and you choose to lock — until then, pricing moves with the market daily, sometimes a few times a day.
- Final numbers depend on the full picture: your actual credit score, your debt-to-income ratio, the final purchase price or payoff amount, and the property itself — taxes, association dues, any special assessments, and homeowners insurance.
- Everything quoted here is built from the numbers you entered — the quote reflects those, not a fixed assumption.
- We assume standard values only for what we didn’t ask: debts within guidelines, U.S. citizenship, standard reserves; conventional mortgage insurance included when it applies; the FHA, VA, or USDA upfront fee financed.
- It’s the most honest estimate we can give without your full file — your Loan Estimate is the official figure.
- APR is estimated, carried from the pricing engine as shown; the Loan Estimate controls.
- Not everyone will qualify — we hope you will.
Educational, not a Loan Estimate or an approval. Take a look at the math and see if it feels like your move — when you're ready, we take the next step together.
This live tool currently prices common purchase and refinance scenarios. Looking for a HELOC, second mortgage, bank-statement, DSCR, or another specialized program? We may have access even when the widget cannot price it yet. Call us and we'll help you sort through it.
Principal and interest only — leave taxes and insurance out. Give it and every option shows what you save.
Pull your rates above and all five options land here automatically.
Enter your loan amount and at least one rate to see the comparison.
What you'll bring to closing
The costs behind every option — attorney, title, recording, escrows — moving live based on the option that you've selected.
Add the best figures you have for insurance, property taxes, and association dues. We use them for your complete monthly payment and closing estimate. Your escrow choice above is already reflected in your pricing.
Leave taxes blank and we estimate them from your scenario — no need to look them up. These monthly figures carry into your debt ratio and your readiness report, so you only give them once.
Enter your loan amount above and your closing costs build from the same numbers as your rate options.
Closing costs — every number traces to a source document. Educational — your loan officer and closing attorney confirm exact figures.
- These are live market interest rates — and an estimate, not a commitment to lend.
- Your rate isn’t locked yet. It locks once you’ve sent us the information we need to underwrite your loan and you choose to lock — until then, pricing moves with the market daily, sometimes a few times a day.
- Final numbers depend on the full picture: your actual credit score, your debt-to-income ratio, the final purchase price or payoff amount, and the property itself — taxes, association dues, any special assessments, and homeowners insurance.
- Everything quoted here is built from the numbers you entered — the quote reflects those, not a fixed assumption.
- We assume standard values only for what we didn’t ask: debts within guidelines, U.S. citizenship, standard reserves; conventional mortgage insurance included when it applies; the FHA, VA, or USDA upfront fee financed.
- It’s the most honest estimate we can give without your full file — your Loan Estimate is the official figure.
- APR is estimated, carried from the pricing engine as shown; the Loan Estimate controls.
- Not everyone will qualify — we hope you will.
Educational, not a Loan Estimate or an approval. Take a look at the math and see if it feels like your move — when you're ready, we take the next step together.
What you can do after your rates
Choose your option. Move forward when you're ready.
Apply with the option you like, ask Vera a question, or explore an optional calculator first. Your selected rate and loan details carry with you, and none of the extra tools stands between you and the application.
Apply when you’re ready
Carry your selected option forward. We ask the missing questions once and build your complete document needs list.
Ask Vera
Ask about your situation or the option you selected. Vera gives a grounded explanation without turning it into an application.
Explore the calculators
Use Income or Debt Ratio when you want a deeper estimate. They are tools you can choose, never requirements.
Meet Jeff — the loan officer who built the tools you're using.
I built these tools to put you in control of your mortgage path. You can explore your options, understand what a lender will evaluate, and prepare at your own pace — without having to talk to anyone first.
I have closed thousands of mortgage transactions, including purchases, refinances, cash-out refinances, and home equity loans. Whether you are buying, refinancing, or considering tapping into your equity, I want you to understand the complete picture before we ever talk.
When you're ready to move forward, I'm ready to help.
Jeff Moran
NMLS #483943
Bluffton, South Carolina Branch NMLS #2812645
Licensed in
Alabama · Alaska · Arkansas · California · Georgia · Illinois · Kansas
Louisiana · Maine · Minnesota · Missouri · South Carolina · South Dakota · Wyoming
Clarity for the path you choose
Purchase, refinance, or cash-out — see the complete picture.
Buying a home — or getting ready to
If you need a prequalification or preapproval letter before you start shopping, start above with “Show me my rates.” If you decide to continue, I will review your credit and supporting financial information and will be happy to provide a preapproval letter when the file supports it, so you can shop and make offers with a letter in hand.
Start preparing before you find a property — whether you are buying your first home, moving up or down, purchasing a second home, or adding an investment property. I have helped hundreds of people purchase homes, and I can help you understand your buying power, financing options, and what you will need to be ready.
In my process, a prequalification is an early estimate based mainly on information you provide; a preapproval follows that fuller review. The preapproval letter is based on the information reviewed and remains subject to the property and final underwriting conditions.
Refinance, cash-out refinance, or HELOC
Compare the available options with the mortgage you already have. I will help you see the rate, payment, closing costs, and long-term tradeoffs of a traditional refinance. If you want to tap into your home equity, I can compare replacing your current mortgage with a cash-out refinance against adding a HELOC, including how much cash you may be able to access, what each option would do to your payment, and how consolidating consumer debts could affect your cash flow and long-term goals.
HELOC, DSCR, bank-statement, and non-QM programs
The live tool prices the common conventional paths, and I also have access to competitive wholesale options beyond them. That includes HELOCs, DSCR financing for investment properties, bank-statement loans, and other non-QM programs. Because these programs price differently, I will compare the available options for your specific scenario and explain how each one works.
Why this is different
You deserve to see the rate sheet before talking with anyone.
I start with the same wholesale rate sheets lenders use internally and show you the numbers behind your options. With access to more than 70 lenders, I can help you compare different rates, costs, and loan programs.
I built these tools so you can see what I see before we ever talk. Check your rates and options. Understand your complete picture. Then move forward when you're ready.
— Jeff Moran · NMLS #483943
Not one rate. The whole sheet.
Almost everywhere you look, a lender advertises a single rate — and that's the offer. But every loan actually prices off a sheet with a range of rates on it: lower ones that cost a little up front, higher ones that pay money back toward your closing costs. Same loan, same lender, different trade. I put that sheet in front of you and you pick the line that fits your situation. You were never limited to one rate; you just weren't shown the rest.
70+ lenders. More ways to find the right fit.
Banks can only offer their own products. I can shop across a broad wholesale market, including specialized programs that are not yet available through the live pricing tool.
One fee, once, at closing.
On a $400,000 loan it's $3,400 — in plain dollars on your quote, never built into your rate, and it's the only thing I charge. Every other line at closing belongs to a third party. Most shops take closer to 1.5% and take it out of the rate, where you never see it at all.
Mortgage experience dating to 1996. Thousands of transactions closed.
I have closed thousands of mortgage transactions, including purchases, refinances, cash-out refinances, and home equity loans. Those years taught me that clients make better decisions when the options and math are explained clearly.