Consumers save an average of $10,622* when working with a Mortgage Broker
Are you Overpaying on Your Mortgage?
Upload your Loan Estimate and we'll give you a free, honest review. If we can't beat your current offer, we'll give you $500.**
No pressure. No obligation. Just a second opinion that could save you thousands.
Our Guarantee (Explained Simply)
✅ We beat your offer if we can provide better loan terms on the same scenario
✅ “Better” means a lower rate, lower APR, lower fees, or lower payment
✅ No gimmicks, teaser rates, or hidden costs
✅ If we can’t beat it you get $500
Side-by-side comparison. No pressure. No credit impact.
*Polygon Research. $10,622 average savings based on full loan term, APR estimate using HMDA rate spread, APOR and single-family agency data for a standard segment of the 2023 mortgage market with 30-YR fixed non-bank purchase agency loans and a $400,000 reference loan value.
**This offer is for informational comparison purposes only and does not constitute a commitment to lend. All loan programs are subject to underwriting approval, credit qualification, and program guidelines. Loan terms, rates, fees, and availability are subject to change. A valid, complete Loan Estimate issued within the past 14 days is required. Comparisons are based on the same loan scenario, including loan type, term, occupancy, credit profile, and lock period. $500 payment eligibility is limited to one per household and will be issued within 14 business days if Shelton Mortgage Team determines it cannot beat the submitted offer. Shelton Mortgage Team reserves the right to modify or discontinue this promotion at any time and to deny eligibility due to misrepresentation or abuse. See offer details & FAQs below.
Step 1: Upload your Loan or Fee Estimate using the secure form below
Step 2: We compare it against hundreds of wholesale lenders and explain what actually matters
Step 3: You get a transparent, side-by-side review within 24 hours
Step 4: If we can’t improve the offer, we’ll pay you $500. If we can, you keep the savings
“Neil broke down our loan estimate in a way that actually made sense, unlike our previous lender. Not only did he save us over $4,000, but we were also able to close early!"
- Ashley C.
"I have recommended Neil to all of my friends, family and co-workers because he is a pleasure to work with and always secures the best rate possible!"
- Candice S.
Offer Details & FAQs
What Does “Beat Your Offer” Actually Mean?
We compare your Loan Estimate to real offers from multiple lenders using the same loan scenario.
If we can offer meaningfully better terms (like a lower rate, lower APR, lower fees, or lower monthly payment) we’ve beaten it.
What Counts as “Better”?
Your offer is considered beaten if we can improve any one of the following without adding hidden costs:
- Lower interest rate
- Lower APR
- Lower lender fees
- Lower total closing costs
- Lower monthly principal & interest payment
Does Everything Have to Match Exactly?
Yes. We compare apples to apples. That means:
- Same loan type and term
- Same property and occupancy
- Same credit profile
- Same loan amount and lock period
If the scenario changes, the comparison (and $500 offer) may no longer apply.
What Doesn’t Count as Beating an Offer?
We don’t count:
- Temporary teaser rates or short-term buydowns
- Incomplete or expired Loan Estimates
- Offers based on inaccurate borrower information
- Specialty or private loan products that aren’t comparable
What Kind of Loan Estimate Do I Need to Upload?
It must be:
- An official CFPB Loan Estimate
- Issued within the last 14 days
- Complete and readable
- For a property in a state we’re licensed in
When Do I Get The $500 If You Can’t Beat My Current Offer?
If we confirm we can’t beat your offer:
- You’ll receive $500 within 14 business days
- One payment per household
- No obligation to move forward
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