Self-Service AI Mortgage Broker

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ClosingWTF was created by homebuyers and mortgage experts who were frustrated by the confusing, expensive, and outdated mortgage process.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