A little clarity goes a long way.
Shop Lender Rates is built around a simple idea: understanding your options should be easier than buying a home.
Who is behind the platform
Shop Lender Rates is owned and operated by Mortgage Lending Group LLC. Enrique Pelayo Jr. manages the platform and also has a participating originator profile. Platform ownership does not grant preferred placement in organic comparisons.
Editorial responsibility and corrections
Enrique Pelayo Jr., NMLS #131435, manages Shop Lender Rates and is the contact for editorial questions and corrections. View his professional profile and licensing sources. His role as operator and participating originator is disclosed; it does not give his offers preferred organic placement.
State guides use dated official sources. A content-check date records a source check or revision; it does not mean a named professional personally reviewed every page. Licensing and program availability must be checked for the actual transaction.
To report an error, email support@shoplenderrates.com with the page address, the disputed detail and a supporting source. Read our editorial standards.
Start with understanding
The calculators, guides, and practical checklists help you ask better questions, compare the details, and prepare for a conversation with a lender. You can explore every resource without creating an account or providing contact information.
Useful between big decisions
Home financing is more than a single rate search. Come back to check a payment, revisit a refinance calculation, prepare for closing, or work through a home-equity question. Save the resources you use, keep your checklist progress, and share a guide with someone you care about.
Clear about where we are
The free educational library and calculators are available now. Quote Your Way explains current private quote availability: consumers prepare one scenario, choose up to five eligible originators, compare written responses, and decide separately whether to share contact details. Availability depends on participating professionals in the property state. The fictional walkthrough remains separate from account-backed requests. Enrique Pelayo Jr is the first participating originator and operates the platform.
Your choice stays yours
Our intended organic comparison model excludes advertising spend and referral compensation from ranking. If advertising is introduced, it will be labeled and separate from organic results. We explain assumptions, distinguish examples from offers, and link to official sources.