Start with free, official help: the CFPB's home-buying guides, a HUD-approved housing counselor (free or low cost), and NMLS Consumer Access to check that a lender or loan officer is licensed. Compare Loan Estimates from at least three lenders. Never pay upfront fees to anyone promising to stop a foreclosure or modify your loan; that's a common scam. Lenders and rate sites below are commercial; this page lists no lead-generation sites.
Each site has quick lookups: who owns it (whois), its history (Wayback Machine), a safety check, and one-tap questions to AI helpers. Grok asks you to tap Send first. Links last checked Oct 15, 2026.