Your AI agent for Mortgages
It's not a lender or mortgage broker. It's your personal AI assistant that fills out forms, calls, and emails lenders to shop the best rates on your behalf
⚠️ Traps You Likely Don't Know
These three common pitfalls put lead sellers ahead of borrowers—avoid them to keep your rate honest.
Lead marketplaces like LendingTree, SmartAsset, or LowerMyBills sell your info to the lenders who bid the highest bounty—not the ones with the lowest rate. Shadier sites resell it again, and that cascade is where the spam calls begin.
Comparison tables like Bankrate, NerdWallet, or Zillow showcase “ideal” rates padded with discount points or teaser assumptions. Once you bite, the platform hands you to a lender whose real offer is higher—while they pocket the referral fee.
Aggregators never show the full picture. Rates move constantly and hinge on six-plus underwriting signals unique to you, so yesterday’s chart can’t reveal what lenders will price for you today.
⚠️ Broker Math
Either you pay the fee outright, or the lender bakes it into the rate and pays the broker for you—it still comes out of your pocket.
$14,000
Selectic charges a fixed fraction—a few hundred dollars—because the work is identical whether it is a starter home or the largest mortgage on earth.
Compare plansLenders all play different tricks with discount points and credits. We normalize every quote so you can compare the real cost—not the marketing spin.
Banks, credit unions, and online lenders all structure points differently. We gather every offer and convert the points into the same apples-to-apples view.
Just a 0.75% spread—once the points are translated fairly—saves you over $120,000 on a $700K loan. That's worth shopping around for.
Mortgage rates and point tables move every day. Seeing every lender side by side, with the points leveled out, lets you act fast on the real market.
How Selectic AI Works
The agent will literally make dozens of calls and emails on your behalf, using dedicated lines and emails. Save hours of communication, protect your contact information, and works professionally with terminology and negotiation tactics.
All lender calls and emails go through our dedicated lines—your personal contact info stays protected.
The AI speaks fluent mortgage-speak, understanding industry terminology and negotiation tactics that get you better rates.
No more endless phone calls, follow-ups, or repeating the same information to multiple lenders. The AI handles it all.
Fill out one form and AI shops it to every available lender. No duplicate paperwork, no spam calls, no sharing your data until you decide
Fill out your mortgage application once. No browsing or duplicate paperwork across multiple lenders.
Our AI contacts every available lender on your behalf to gather the lowest rates.
Your data stays private until you decide. Selectic handles all communication through dedicated channels—no spam for you.
Savings
Translate the lifetime savings into money back in your pocket each month.
Pricing
Pay once, save thousands
Same price for a $200K starter home or a multimillion-dollar estate
Security & Privacy
Selectic works for you, not for lenders. Your data is shared only with lenders you choose.
Selectic handles all lender communication through dedicated channels. No cold calls, no spammy emails to you.
We never sell your information. Share your data only with lenders you explicitly choose to work with.
FAQ
Lead marketplaces—think LendingTree, SmartAsset, or LowerMyBills—auction your contact info, so you get whoever paid for the lead, not the lender with the lowest rate, and you still get spam.
One bank sees one rate sheet. We surface dozens of lenders so you see the real spread.
They hear from a dedicated Selectic line that introduces us as your agent—not a mass email.
No. We never monetize your information or pass it along without your sign-off.
Most lenders reply within one business day; we keep following up until we hit your target count.
Yes. We flag padding, request credits, and pressure lenders to clean the estimate.
Bring it. We benchmark it, expose hidden points, and find stronger offers to counter with.
No. We collect pricing first. You share personal identifiers only after you pick a lender.
Your payment covers outreach labor, rate normalization, and the comparison portal—not a referral cut.
Yes. Rate Hunter prepares the handoff; Deal Closer stays on to manage closing tasks.
Deep Dives
See how Selectic counters the games in mortgages, car buying, and real estate so you can keep the savings.
