Mortgage marketplace

Ranked by what they cost, not what they advertise.

Rate, APR, points, fees, lock, prepayment, minimum down and timeline, totalled over the years you'll actually hold the loan. Pin up to three and watch them change the model.

On a $3,637,500 loan held 7 years, Mortgage broker (7/1 arm jumbo) costs least: $1,454,324 all in.

Lender and loan	Rate / APR	Points and fees	Lock	Min. down	Total cost, 7 yrs
Mortgage brokerBest of 28 wholesale lenders · 7/1 ARM jumboSeven-year horizon	5.950%6.31% APR	0.25 pt · $2,900	45 daysFree to 45 days	20%	$1,454,324$1.44m interest
Independent jumbo lenderRate and term · 30-year fixed jumboOwner-occupierStrong credit	6.350%6.44% APR	0.5 pt · $3,200	45 daysFree to 45 days; 0.125 pt per 15 days after	20%	$1,565,718$1.54m interest
Portfolio lenderDebt-service coverage · 30-year DSCR investor loanInvestorIncome from the property, not salary	7.250%7.48% APR	1 pt · $3,900	30 days0.25 pt to extend 30 days	25%	$1,815,339$1.78m interest
Private bankRelationship pricing · Jumbo, 10-year interest-only, then 20-year amortisingHigh net worthAssets moved to the bank	5.850%5.98% APR	0 pt · $4,500	60 daysFree to 60 days	30%	Needs more down
International private bankForeign national · 30-year fixed, no US credit historyNon-residentCondominium only	7.050%7.22% APR	1 pt · $5,500	45 daysFree to 45 days	35%	Needs more down

Illustrative offer profiles for October 2026, not quotes. Total cost counts interest paid and points and fees over the holding period, plus, for relationship pricing, what the money moved to the bank would have earned elsewhere (one point more, here).

Pinned offers, in the model

Mortgage broker

The Franklin Loft at 5.950%

Monthly payment: $21,692
IRR: 2.0%
Cash on cash: -9.6%

Independent jumbo lender

The Franklin Loft at 6.350%

Monthly payment: $22,634
IRR: 1.3%
Cash on cash: -10.4%

The professionals

A concierge list, not a classified ad.

Verified licences, specialisms, languages, fees and response times, with reviews tied to transactions completed on the platform. Request quotes, compare side by side, invite one into your deal room.

Home inspectorVerified

Harbour & Hale InspectionManhattan, Brooklyn · English, Spanish

Thermal imagingMoisture mappingSewer scopeDrone roof survey

Fee: $1,150–1,900
Turnaround: Report in 24 h
Cover: $2m E&O
Rating: 4.9 from 128 closed deals

Replies in about 40 min · Sample report available

Home inspectorVerified

East End Building ScienceSouthampton, East Hampton · English

Thermal imagingDrone roof surveyPool and septicRadon

Fee: $1,400–2,600
Turnaround: Report in 48 h
Cover: $1m E&O
Rating: 4.8 from 64 closed deals

Replies in about 2 h · Sample report available

Mortgage brokerVerified

Calloway Mortgage PartnersNew York State · English, Mandarin, French

JumboInterest-onlyForeign nationalPhysician

Fee: Lender-paid
Turnaround: Pre-approval in 2 days
Cover: NMLS licensed
Rating: 4.9 from 211 closed deals

Replies in about 1 h

Real estate attorneyVerified

Whitcombe Ostrander LLPManhattan, East End · English, Italian, Hebrew

Co-op board packagesNew development1031 exchangesLLC purchases

Fee: $4,500–6,500 flat
Turnaround: Contract review in 48 h
Cover: Admitted in New York
Rating: 5.0 from 97 closed deals

Replies same day

Sample profiles for illustration; not real firms.