Self-Service AI Mortgage Broker

We help you get a mortgage without the fees of a traditional broker. Pay for your house, not for your broker's vacation.

Fast & Easy Process $10M+ Savings So Far NMLS LogoLicensed in OR, CO, TX

Our Mortgage Rates

Some of the most competitive rates in the market.
Actual rates may vary depending on market conditions and your financial situation.

Frequently Asked Questions

We are here to help you with any questions you may have. If you don't find what you need, please contact us at [email protected]

Why was ClosingWTF founded?

ClosingWTF was created by homebuyers and mortgage experts who were frustrated by the confusing, expensive, and outdated mortgage process. We built ClosingWTF to:

  • Make getting a mortgage radically simpler and more transparent
  • Empower you to shop, compare, and close—all in one place
  • Deliver the lowest rates and best deals, every time
  • Use AI to eliminate stress, paperwork, and hidden fees
  • Put you in control, not the banks

How is ClosingWTF different from a traditional mortgage broker or lender?

ClosingWTF is the next-generation, AI-powered self-service mortgage broker. Unlike traditional brokers or lenders:

  • We always give you the best deal we find across the lenders we work with.
  • We offer a self serve go your own pace mortgage experience.
  • We offer total transparency and 24/7 support
  • We don’t just compare rates—we help you close smarter

How much does ClosingWTF cost?

ClosingWTF offers free analysis and tools for everyone. No hidden fees, no paywalls, no pressure. We believe everyone deserves a better mortgage experience—without paying thousands for it.

What states does ClosingWTF operate in?

As a mortgage broker, we are available to homebuyers in Oregon, Colorado, and Texas. We're working on others. Our free mortgage analysis tools are available in all states across the US.

How is ClosingWTF different from rate comparison sites?

Unlike rate comparison sites, ClosingWTF is with you from start to finish:

  • We never sell your data, spam you with calls, or refer you as a 'lead'
  • We help you analyze, compare, and close—all in one place
  • Our AI and human experts guide you every step of the way
  • We’re a true mortgage broker.

How does ClosingWTF make money?

When you close a loan through ClosingWTF, the lender pays us a standard industry fee. This means we only get paid when you get a loan with us.

What if I already have a mortgage offer?

Already have a quote? Upload it to ClosingWTF and instantly:

  • Analyze your offer for hidden fees and savings opportunities
  • Compare it to other offers we found on the market.
  • Negotiate a better deal with our expert tips and AI insights

Who does ClosingWTF share my data with?

Your privacy is our priority:

  • We never sell your data—period
  • You control when and how your info is shared with lenders
  • We use bank-level encryption and strict security protocols
  • Your documents are always private and protected

Is my personal information safe with ClosingWTF?

Yes. We take privacy and security seriously. Your data is encrypted, never sold, and only used to help you get the best mortgage. Sensitive info is never exposed to AI or third parties without your consent.

Get the Best Mortgage for You

We are on a mission to make sure you get the best deal.

Contact Us
Copyright © 2025ClosingWTF, Inc.All Rights Reserved.

ClosingWTF Inc is currently NMLS licensed in the US states OR, CO, and TX.

Equal Housing Lender

All loan products and financial services are provided by ClosingWTF Inc., NMLS #2688565 ("ClosingWTF"). You are not required to use ClosingWTF Inc for your mortgage needs and may be able to obtain lower rates or fees through a different mortgage lender or broker. This is not a commitment to lend. All offers are subject to submitting a complete loan application and obtaining full underwriting approval. Loan terms are subject to change. Only the most qualified applicants will be approved for ClosingWTF Inc’s lowest rates. Not available in all states. We are an Equal Housing Lender.