Frequently Asked Questions
Quick answers to the questions we hear most often.
4Homes connects you with competitive mortgage offers from our network of trusted lending partners. Simply tell us about your home financing goals, and we will match you with personalized rate quotes. You compare your options and choose the best one, all at no cost to you.
No, 4Homes is not a lender. We are a mortgage comparison platform that partners with a network of licensed lenders to bring you competitive offers. This means you get access to multiple options without having to apply separately at each lender.
No. When you check rates through 4Homes, we perform a soft credit inquiry which does not affect your credit score. A hard inquiry only occurs once you choose a lender and formally apply for a loan.
Most borrowers receive pre-approval results within minutes of completing our online form. In some cases, a lender may need additional documentation, which could take 1-2 business days for a full pre-approval letter.
Absolutely. We use bank-level 256-bit SSL encryption to protect your personal and financial information. We never sell your data to third parties without your consent, and our platform is regularly audited for security compliance.