Hacker News Reader

Both of these are the opposite of my experience with them. You could fiddle with down payment, price, and points to your heart's content and it'd spit out a quote for you. Also a few thousand cheaper than other places.

I fiddled with the numbers for hours, but everything came up either basically the same or more expensive than the direct quote from another lender.

But they have Better in their name, so it must be better right?

I Can't Believe They're Not Better!

they are literally the only service I've been able to find that quotes you for free without needing an SSN/email on file.