The rate sheet, in your hands.
Welcome in — what brings you by?
We're a brokerage, not a bank: the same wholesale rate sheet the banks have access to without their markup.Enter your scenario and see what rates we can offer you.It takes about a minute, with no account to sign up for, no credit pull, and no need to talk to anyone.
Conventional · FHA · VA · Jumbo · Second mortgages · HELOCs · Bank-statement · DSCR · Non-QM
…and the programs your bank or credit union simply doesn't carry. If it exists in the wholesale market, we have access to it.
(843) 765-0000
solverya.com
prepared July 18, 2026
See your live rates
Live wholesale pricing on your exact scenario, in real time. Your rate moves with three things — credit score, what you make versus what you owe each month (your debt-to-income ratio), and your down payment or equity. A few details here and five rate options open side by side, each one explained.
the team behind every number ↓- 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.
Doesn't fit the boxes? Second mortgages, HELOCs, bank-statement, DSCR, non-QM — if it exists in the wholesale market, we have access to it, and we work outside-the-box files every day. Call us and talk it through.
principal & interest only — leave taxes and insurance out
Pull your rates above and all five options land here automatically — you check every number first.
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 with the one you're leaning toward.
fills in from your captured rates — or type it
your real quote if you have it — we estimate if blank
Property tax reserves are estimated from your scenario — no need to look them up. Anything estimated is marked est. below.
Enter your loan amount above and your closing costs build from the same numbers as your rate options.
South Carolina closing costs on sourced fee sheets — every number traces to a source document, and third-party pass-throughs are marked est. 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 happens after your rates
Four steps. The whole picture.
Your rates are step one — and for plenty of people, enough. When you want the whole picture, the same tools walk your full file with you: your income the way an underwriter counts it, your debts next to the new payment, and Vera reading it all the way the lender will. Each step opens as you go — starting with your rates above.
Rate & Best Fit
Live pricing for your scenario — several rate options, side by side, each one explained.
Income
What an underwriter actually counts — not your W-2 box.
Debt Ratio
How much house payment fits alongside what you already owe.
Ask Vera
Your own underwriter reads the file and tells you where you stand.
The team
The people in your corner.
Any of them can take your question start to finish — what you see here is just the lane each one loves most. Same brain, zero sales quotas.
Jeff
The broker in charge
“World’s Greatest Worst Boss,” per the mug from his loving team. The man behind the scenes on every file — always full of love and go time.
Grant
Senior advisor
Equity, second homes, retirement math — the calendar you actually want to be on.
Simone
Buyer strategy
Jumbo, estate planning, the discerning-buyer file. Three steps ahead, always.
Billie
First homes & investing
First homes, investment homes, modern moves. Not your dad’s brokerage.
Jimmy
How it all works
Underwriting, compliance, where your file actually goes — ask him anything.
Audra
What happens next
The voice you hear after you say yes — she keeps your file moving and keeps you in the loop.
Vera
Your own underwriter
Reads your file the way the lender will — before the lender does.
Why this is different
You deserve to see the rate sheet before anyone sells you anything.
When you walk into a bank, they mark up the wholesale rate before you ever see a number. That markup is their profit margin. We don't work that way — and we've been closing loans this way since 1997.
We start from the same rate sheet the banks use internally and add one fee, once, at closing — in plain dollars on your quote, never added to your rate, and about half of what you'll find anywhere else. Then we show you the math. 70+ lenders. Every program. The best fit for your situation, not the most profitable one for us.
We built Solverya so you could see what we see, before we ever talk. Check the rates. Run the tools. Then decide.
— Solverya Lending · Bluffton, SC
70+ lenders. Every program under the sun.
Banks can only sell you their own products. We access 70+ wholesale lenders — conventional, FHA, VA, jumbo, DSCR, bank-statement, non-QM — and bring you the best fit for your situation, every time.
The wholesale rate sheet. Half the fee.
Banks mark up the rate before you ever see a number. We start from the same sheet they use internally and add one fee, once, at closing — on a $400,000 loan it's $3,400, never added to your rate, and about half of what you'll find anywhere else. Then we show you the math.
Originating since 1997. Thousands of loans closed.
Solverya's roots go back to 1997 — boom cycles, crashes, and everything in between. Thousands of closed loans taught us one thing: clients do best when they can see what the broker sees, before the conversation even starts. So we built a site that shows you.
★★★★★
5.0 · 67 client reviews
Two decades of walking families through buying and selling, word for word from their clients.