Your phone stays silent until you say otherwise.
Post your loan anonymously. Licensed loan officers compete with real quotes. You reveal your identity to exactly one — the one you choose.
What we never do
These aren't preferences. They're how the product is built.
No sales calls
Officers reach you inside the platform — your phone stays quiet.
No SMS blasts
We don't text you, and neither do the officers who quote.
We never sell your information
Your details are not lead inventory. Ever.
No credit pull to post
Posting a scenario has zero impact on your credit score.
No fees for borrowers, ever
Free to post, free to compare, free to choose.
How your identity stays hidden
Loan officers only ever see the loan itself — amount, state, property and occupancy type, and your credit range. Your name, phone number and email stay locked in your account.
Nothing about you is released while quotes come in. The moment you select a winner — and only then — your contact details are shared with that single officer.
- Officers see loan details only
- Name, phone and email stay locked
- Released to one officer, on your click
Sample view — illustrative only.
Smart matching
Only loan officers licensed in your state ever see your request — every officer is verified against the federal NMLS registry, and anyone whose license lapses is removed.
Our AI helps you compare quotes side by side when they arrive.
The usual way vs LoanSmartR
Typical lead sites
- Your information is shared with multiple lenders.
- Calls and texts keep coming for weeks.
- Pressure to decide before you're ready.
LoanSmartR
- Your request is anonymous from the start.
- Quotes come to you — no inbound calls.
- You compare on your own time.
- Contact shared with one officer you choose.
How it works
Post anonymously
Loan amount, state, basics. No name, no phone.
Officers compete
Licensed officers send real quotes to win your business.
Compare side by side
Rate, APR and fees in one clean view.
Choose your officer
Reveal yourself to exactly one — the one you pick.
Common questions
Is it really free?
Yes. There is no fee to post your loan and no fee to receive quotes. Borrowers never pay LoanSmartR.
What's the catch?
There isn't one. Loan officers compete because they want your business. You're the customer, never the product — we never sell your information.
Does this affect my credit?
No. Posting your scenario does not trigger a credit pull. A hard inquiry only happens later if you formally apply with the officer you choose.
What if I don't like any of the quotes?
You're under no obligation. Let the request expire, or post an updated scenario anytime.
Am I committed once I choose an officer?
No. Choosing an officer starts a conversation, not a contract.
What happens after I choose?
Your contact information is shared with that one officer, and you work with them directly from there.
All loans originated and funded by NEXA Mortgage, LLC, NMLS #1660690. Verify our licensing at NMLS Consumer Access.