4Homes arranges financing through Better Offers Inc, a licensed mortgage broker. Whether you have a quick question about a loan program or want a full pre-approval, phone and email both reach the same team — pick whichever is easier for you. Phone gets you a live answer during business hours; email is best if you'd rather write out the details and get a reply within a business day.
If you already know which loan program fits your situation, you can skip straight to starting a quote instead of contacting us first. If you're still comparing options, the loan program list and side-by-side comparisons are good places to narrow things down before you call.
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.
Pre-approval timing depends on the information and documentation required for the borrower and loan program.
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.
It helps to know roughly what you're trying to do — buy, refinance, or tap equity — plus a rough credit range, your target property location, and whether you have a specific timeline. You don't need documents on hand for a first conversation; those come later in the process.
Yes. Many of the people who contact us are still researching and aren't ready to submit an application. Phone and email are both fine for general questions, and there's no obligation or pressure to move forward until you decide to.