Forward Mortgage
Traditional financing structures including Conventional, FHA, VA, and Jumbo loan programs. Built with flexible terms for purchasing a new property or executing standard refinance options.
Explore Options
Your mortgage gets a desk of its own.
Access 100+ wholesale lenders through one independent broker. We compare your options, negotiate competitive pricing, and handle every detail from application to closing — for borrowers in Florida, Texas and California.
Payment Estimator
Estimated Monthly Payment
$2,023/mo
Loan Amount: $320,000
Interest: $408,142
$400,000
$80,000
6.50%
Example only: a $320,000 30-year fixed-rate loan at 6.500% interest (6.597% APR) with 20% down ($80,000) on a $400,000 purchase has 360 monthly principal and interest payments of $2,023. APR assumes $3,200 in prepaid finance charges. Payment does not include taxes, homeowners insurance, HOA dues or mortgage insurance, so your actual payment will be higher. This is not a rate quote or a commitment to lend; your rate and APR depend on credit, loan amount, property, occupancy and other factors.
02 — Loan types
One desk. Every kind of mortgage.
From first-time buyer to seasoned investor, we'll match you to the loan structure that actually fits your life — not the one that's easiest to sell.
Reverse Mortgage
Tap into home equity with no required monthly mortgage payment. Designed for older homeowners converting equity into cash or a line of credit. Borrowers must keep paying property taxes, insurance and upkeep.
Explore Options
Average US Mortgage Rates
Rates shown are national average market rates provided for informational purposes only and are not a commitment to lend or a loan offer. Your actual interest rate and APR will vary based on credit score, loan amount, loan-to-value ratio, occupancy, property type, loan program, discount points, and other underwriting factors.
Contact us for your personalized quoteGet Your Personalized Mortgage Rate
Complete this short form and a MyLoanDesk mortgage specialist will compare loan options from our network of 100+ lenders and contact you with personalized rates and financing solutions tailored to your goals.
Monitor Your Home Value & Mortgage Rates
Enter your address to know your estimated property's value and receive alerts when mortgage rates drop.
Set up a personalized rate alert and receive alerts when mortgage rates drop
30+ yrs
Mortgage experience
100+
Wholesale lenders compared
14–30 days
Typical time to close
FL · TX · CA
Licensed states
See What You Qualify For
Try Our Mortgage Calculators
Powerful tools to help you make smarter mortgage decisions.
03 — How it works
4 steps. No maze.
You won't get bounced between departments. The broker who pre-qualifies you is the broker at your closing table.
015 min
Get pre-qualified
Complete a quick application or talk with us by phone. We'll compare multiple lenders and recommend the best mortgage options for you—with no hard credit inquiry and no obligation.
0224–48 hrs
Compare offers
We search 100+ lenders to find your best mortgage options and present them in a simple side-by-side comparison.
03Same day
Move Forward
Choose your preferred loan option, lock your rate, and we'll handle the paperwork while keeping you informed throughout the process.
0414–30 days
Close with Confidence
We'll coordinate every detail with your lender, title company, and all parties involved to ensure a smooth, on-time closing.
04 — Why myloandesk
We sit on your side of the desk. Not the lender's.
Most loan officers work for one bank and sell you that bank's products. We work for you — and shop 100+ lenders to find the right fit. Here's what that actually means.
Independent, not captive
We're not on any single lender's payroll. Our pay doesn't change based on which loan you pick.
Transparent fees
Every cost is disclosed up front — in writing. No last-minute junk fees at the closing table.
Your broker's direct line
A real phone number, a real person. Evenings and weekends included. No call centers, ever.
Close in as little as 14 days
Most of our loans close in 14–30 days, depending on the program, appraisal and how fast documents come in.
05 — Stories from the desk
Real closings. Real people.
Don't take our word for it — here's what our clients say on Google.
06 — Questions on the desk
Things people ask before they apply.
Don't see your question? Ask a broker directly — usually a same-day reply.
Today Average US Mortgage Rates
30 yr fixed
15 yr fixed
5/1 ARM
*Rates shown are national averages provided for informational purposes only and do not constitute a loan offer or commitment to lend. Your actual rate may vary based on credit score, loan amount, LTV, property type, and other factors.
A bank can only offer the mortgage products available through that bank. At MyLoanDesk, we work with multiple lenders, giving you access to a wider range of loan programs, competitive interest rates, and flexible underwriting options. We compare offers on your behalf to help you find the mortgage that best fits your financial goals-not just the one a single bank has available.
Down payment requirements vary by loan program. Some loans require as little as 3% down, while eligible veterans may qualify for 0% down through VA loans. There are also down payment assistance programs available for many first-time homebuyers. We'll help you explore the options that best fit your financial situation.
The amount you qualify for depends on several factors, including your income, assets, credit history, existing debts, down payment, and the type of loan you're applying for. The fastest way to find out is through a free pre-approval. We'll review your financial situation and provide a personalized estimate so you can shop for a home with confidence.
Closing costs vary based on the loan program, property, loan amount, and your individual qualifications. They may include lender fees, appraisal, title services, government recording fees, prepaid taxes and insurance, and other third-party costs. Before you commit to a loan, you'll receive a detailed Loan Estimate that clearly outlines every fee, so you'll know exactly what to expect. In many cases, lender credits or seller concessions can help reduce your out-of-pocket costs.
Every loan is different, but many mortgages can close in as little as 14 to 30 days, depending on the loan program, appraisal timing, and how quickly required documents are provided. Our team works proactively with borrowers, real estate agents, and lenders to keep your loan moving efficiently from application to closing.
No. Credit scoring models recognize that borrowers often compare mortgage offers before choosing a lender. Multiple mortgage-related credit inquiries made within a short shopping period are generally treated as a single inquiry for scoring purposes. Comparing loan options can help you find a better rate and potentially save thousands over the life of your mortgage.
Don't assume you won't qualify. We work with a variety of lenders offering programs for borrowers with different credit profiles. Depending on your situation, there may be options available even if your credit score isn't perfect. If you're not ready today, we'll help you understand what steps could improve your chances of qualifying in the future.
Your mortgage, handled.
Five-minute pre-qualification. Personalized mortgage solutions. Your dedicated mortgage expert from application to closing.
A sampling of the 100+ lenders we shop on your behalf
