LE Compete™
With LE Compete, you can submit your existing Loan Estimate (LE) from another lender, and our team will review it and compete — Give us just 60 minutes and we will send you a competitive offer!
DisclosuresTell Us About Your Loan
How LE Compete™ Works
Submit your existing Loan Estimate and get a competitive response within 60 minutes — no credit pull, no obligation, no pressure.
Step 1 — Submit Your Loan Estimate
Visit the LE Compete form on this page and upload your existing Loan Estimate from any lender. Include your purchase price, loan amount, credit score, and property type. It takes less than 5 minutes.
Step 2 — We Review It Line by Line
Our team analyzes every line of your Loan Estimate — rate, discount points, origination fees, APR, and cash to close — against what we can offer through our network of 190+ wholesale lenders.
Step 3 — Get a Competitive Offer or Confirmation
Within 60 minutes during business hours, we send you a competitive offer — or confirm that your current lender is already offering strong terms. Either way, you get clarity. No pressure. No obligation to switch.
Why It’s Free and Risk-Free
LE Compete requires no credit pull, no new application, and no commitment. We compete on the full picture — rate, fees, points, and cash to close — not just the interest rate. If we can’t beat your terms, we’ll tell you.
Why Seattle Mortgage Pros Can Beat Your Rate
Wholesale Pricing vs. Retail Pricing
Seattle Mortgage Pros operates as a wholesale mortgage broker through NEXA Mortgage — the largest wholesale mortgage broker in the country. This means we access lender pricing at the wholesale level, which is typically lower than what those same lenders offer retail consumers directly. When you apply at a retail bank, you pay that bank’s markup. We don’t charge that markup.
190+ Lenders. One Submission.
We compare your Loan Estimate against pricing from more than 190 wholesale lenders simultaneously. This gives us an unusually broad view of the market — and unusually strong leverage to find the most competitive terms for your specific loan scenario, credit profile, and property type.
Frequently Asked Questions About LE Compete™
Does LE Compete require a credit pull?
No. LE Compete does not require a new credit inquiry. We evaluate your existing Loan Estimate without pulling your credit. Your credit score is not impacted by submitting for review.
Is LE Compete free?
Yes. LE Compete is a completely free service offered by Seattle Mortgage Pros. There is no fee, no application, and no obligation to submit your Loan Estimate for a competitive review.
What if Seattle Mortgage Pros can’t beat my Loan Estimate?
We’ll tell you honestly. If your current lender is already offering competitive terms, we’ll say so clearly. You’ll leave knowing you already have a strong deal — which is valuable information on its own. No pressure to switch, ever.
Can I use LE Compete if I’m already under contract?
Yes — and this is one of the most common times buyers use LE Compete. Many buyers don’t start seriously comparing lenders until they’re already under contract. As long as there is enough time before your closing date to complete a new loan application, switching lenders is possible. Our team will be upfront about timelines during the review process.
How long does LE Compete take?
During business hours, our team responds within approximately 60 minutes of receiving your submitted Loan Estimate. The submission itself takes less than 5 minutes. You’ll have a full competitive analysis in about an hour total.
What loan types does LE Compete cover?
LE Compete works for most conventional, FHA, VA, and jumbo purchase and refinance loans. If you have a specialty loan scenario — such as a non-QM loan, bank statement loan, or manufactured home loan — contact us directly and we’ll let you know whether LE Compete applies to your situation.
Will submitting my Loan Estimate obligate me to work with Seattle Mortgage Pros?
No. Submitting your Loan Estimate through LE Compete creates zero obligation. You’ll receive our competitive analysis and the decision to move forward — or stay with your current lender — is entirely yours. There is no pressure and no follow-up sales calls.
Does LE Compete work for refinances?
Yes. Refinancing homeowners often have more flexibility than buyers and should absolutely shop multiple offers. If you’ve received a refinance Loan Estimate and want to know whether it’s competitive, submit it through LE Compete and we’ll review it and respond within 60 minutes.
Why do you compare more than just the interest rate?
Because the interest rate is only one variable. Two lenders can offer the same rate but charge very different fees, points, and closing costs. LE Compete analyzes the full Loan Estimate — origination charges, discount points, APR, and cash to close — to give you a true total-cost comparison, not just a surface-level rate quote.
Is LE Compete™ exclusive to Seattle Mortgage Pros?
Yes. LE Compete™ is a proprietary program offered exclusively by Seattle Mortgage Pros. It is designed to give homebuyers and homeowners in Seattle and the Puget Sound a fast, honest, and structured way to compare mortgage offers without starting the lending process over from scratch.
Is LE Compete™ exclusive to Austin Sodorff?
Yes. LE Compete™ is a proprietary program created and offered exclusively by Austin Sodorff, licensed mortgage loan officer with NEXA Mortgage. It is available only through his two websites — Seattle Mortgage Pros (seattlemortgagepros.com) and Wild West Lending (wildwestlending.com). You will not find LE Compete offered by any other loan officer, brokerage, or lender. It was built to give homebuyers and homeowners a fast, honest, and structured way to compare mortgage offers without starting the lending process over from scratch.
Disclosures
The figures in the comparison above are illustrative examples. They are not an offer or a commitment to lend, they are not a quote, and they are not available to every borrower. Your actual terms depend on your credit score, loan amount, property type, occupancy, and loan program, and are subject to underwriting approval.
Loan type and term. The example illustrates a 30-year fixed-rate refinance. Because the rate is fixed, it cannot increase after closing. No downpayment applies to a refinance.
Terms of repayment. The competitive offer shown is repaid in 360 monthly payments of $2,100 at a 5.9% interest rate and a 6.2% annual percentage rate (APR). The competing estimate shown is repaid in 360 monthly payments of $2,400 at a 6.5% interest rate and a 6.9% APR. Neither example includes a balloon payment.
The monthly payment figures shown are principal and interest only. They do not include property taxes, homeowners insurance, flood insurance, mortgage insurance, or homeowners association dues, so the amount you actually pay each month will be higher. The APR shown reflects the interest rate together with certain costs of the loan, which is why it is higher than the interest rate in both examples.
Seattle Mortgage Pros is a branch of NEXA Mortgage. NEXA Mortgage, LLC NMLS #1660690, Lynnwood Branch NMLS #2150669. LE Compete is a comparison service; submitting a Loan Estimate does not start an application and is not a commitment to lend. Program availability and qualifying criteria vary by lender and are subject to underwriting approval. Equal Housing Opportunity.