ONGUARD LENDING is a consumer driven, consumer friendly competitive marketing tool that allows consumers to shop their specific loan scenario for the loan option that fits their needs perfectly. While remaining anonymous, until you decide who you want to work with.
Fill out one form. Licensed lenders see it and send you their offers. Pick the one you like.
Fill out one secure form for purchase or refinance. We review it before any lender sees it.
Licensed lenders look at your application and send back a detailed pricing sheet. Their best numbers, on paper.
Rank competing offers side by side by rate, APR, monthly payment, closing costs, or anything else that matters to you. Pick the one that works best.
The lender with the best offer wins. Not the one paying us the most. You see every offer side by side, with the full numbers behind each one. What you see is what they offered.
Sort competing offers by rate, APR, monthly payment, closing costs, or anything else that matters. See which one actually fits your situation.
Every fee, rate, and cost from each offer is on the page. Nothing buried in the fine print.
Lenders compete for your loan. That's how you end up with a better rate and lower fees.
Your application only goes to licensed lenders after our internal review. You stay in control of the final decision.
$450,000 loan · 740 credit · Current payment $3,000/mo
Purchase or refinance. Conventional, FHA, VA, cash-out, HELOC, and more.
Financing a new home
Get competing offers for a primary residence, second home, or investment property. Includes government-backed options like FHA, VA, and more.
Reworking your current mortgage
Compare refinance offers side by side. Lower your rate, shorten your term, pull equity, or consolidate a second mortgage.
Johnny Neafus has been in mortgages for over twenty years. He started OnGuard after seeing too many borrowers pay fees that nobody questioned.
Know MoreYou shouldn't sign a mortgage without seeing what every lender will offer. OnGuard makes sure you don't have to.
Fill out one form. Licensed lenders see it and send back their numbers.
100% free for you · Licensed, approved lenders only · Regulated