Straight answers about your home, your money, and your family’s future.
Tell us what you’re weighing. We’ll follow up personally and, only with your OK, introduce you to a licensed professional in your state. Free, with no obligation.
- No credit check to ask
- No cost, ever
- You choose who contacts you
Pick where you’d like a second opinion
Each review is handled by a professional licensed for that product in your state.
Mortgage refinance
See whether a new rate or term could lower your payment or free up cash.
Get a free review →
Home equity (HELOC)
Put your home’s equity to work for renovations, tuition, or big expenses.
Get a free review →
Debt consolidation
Combine high-interest balances into one simpler monthly payment.
Get a free review →
Life insurance
Protect the people who count on you with term or permanent coverage.
Get a free review →
Buying a home
Get pre-approval guidance and understand what you can afford.
Get a free review →
Sell your home as-is
Skip repairs and showings. Compare as-is offers with a traditional sale.
Get a free review →
Built around your permission, not a sales funnel
A lot of comparison sites sell your phone number to a dozen companies the moment you hit submit. We don’t.
- One company follows up with you: us.
- We introduce a partner by name, with their license number, and only after you agree.
- No sale of personal information and no ad trackers on this site.
- Stop contact any time. Reply STOP or email us.
Three steps, about a minute of your time
Tell us what you need
Answer a few quick questions. No credit check and no Social Security number.
We follow up personally
We reach out by phone, text, or email, whichever you chose, to understand your goals.
Meet a licensed pro, if you want
If a licensed partner in your state is a good fit, we introduce them by name. You’re never obligated to do anything.
You decide who contacts you
We never pass your details to a partner until we tell you who they are and you say yes. Prefer email only? Leave the phone box unchecked.
Licensed professionals only
Partners hold the license your situation requires, such as an NMLS ID for mortgage lenders or a state insurance license for agents. We give you the number so you can check it yourself.
Your information stays private
Sent over an encrypted connection and stored privately. We don’t sell it, we don’t run ad trackers, and you can have it deleted any time.
What we are
- A free referral service run by Home and Life Options LLC in Phoenix, Arizona
- A real person following up on your request
- A way to reach licensed lenders, agents, and buyers who serve your state
What we’re not
We’re not a lender, mortgage broker, insurance company, insurance agency, or real estate brokerage. We don’t quote rates or premiums, approve loans, issue policies, or make offers on homes. Licensed partners do that, directly with you, on their own terms.
Verify any mortgage professional at NMLS Consumer Access.
Before you get started
Is this really free?
Yes. You never pay us anything. Some partners pay us a referral fee when we introduce a customer, which is how we keep the service free. That fee never changes the price or terms a partner offers you.
Will submitting affect my credit?
No. We don’t check credit. If you later choose to apply with a lender, the lender will ask your permission before any credit check.
Will you sell my information or spam me?
No. We don’t sell personal information, and we never share it with a partner until we tell you the partner’s name and you agree. You can stop contact any time by replying STOP to a text or emailing privacy@homeandlifeoptions.com.
Who are you?
Home and Life Options LLC is an Arizona company at 200 W Monroe Street, Phoenix, AZ 85003. We’re a referral service, not a lender, insurer, or brokerage, so we don’t quote rates or make approval decisions. Licensed partners do.
What happens after I submit?
We review your request and reach out, usually within one business day. If a licensed partner in your state fits what you’re looking for, we’ll tell you who they are and only connect you if you say yes.