Your mortgage deserves more than one look.
A free, no-obligation review with a loan officer of where you actually stand today — your loan, your equity, and what your options really are.
Life keeps moving while your mortgage sits still.
Most people sign a mortgage once and never look at it again — not because it's still right, but because nobody checked.
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Mortgage insurance you've outgrown. Enough equity may have built up that the premium protecting the lender is no longer required, and nobody sends a letter when that happens.
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An escrow account quietly wrong. Escrow for taxes and insurance can drift into over- or under-collecting for years, and a review is where that gets caught and corrected.
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An adjustment you can see coming. If you carry an adjustable-rate mortgage, knowing well in advance what happens when it adjusts is the difference between a plan and a surprise.
Your path from wondering to knowing.
There's nothing to qualify for and nothing to sign — this is the lowest-friction thing on the site, on purpose.
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Send us three simple things. Your current balance and rate, a rough estimate of what the home is worth, and whatever is on your mind.
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A loan officer reads it. One person, not an automated report — someone who works through your actual numbers before picking up the phone.
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You get a plain summary. Where you stand today, in plain English: what the loan is doing, what the equity is doing, and what has changed since closing.
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See the options side by side. Stay put, refinance, or tap equity, compared against each other with your numbers in them rather than as a general explanation.
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Hear it straight, including wait. When the math doesn't yet favor a move, the honest answer is to wait, and that answer costs you nothing to hear.
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Get the call when it changes. If the timing isn't right, you go on rate watch, so Alliance reaches back out when your numbers cross the line instead of you tracking it.
Common questions about the review
Straight answers to the questions we hear most before someone asks for one.
Does this affect my credit?
The review is a conversation about numbers you already have rather than a loan application, so it doesn't require a hard credit inquiry.
How often should I actually do this?
Once a year is the general standard, plus any time something major changes — a new job, a move, a growing family, or retirement coming into view.
What happens after the review?
If the numbers support a move, your loan officer walks you into the relevant next step; if they don't, you go on rate watch and Alliance reaches back out.
Is this really free?
Yes — the review is free and carries no obligation, which is the point of offering it rather than putting a form in front of it.
Where a review usually leads next.
Buying, refinancing, or putting equity to work — the review's job is to tell you which one is actually yours.
Home Purchase
Get matched with the right program and one loan officer, then walk from a guided quote to closing day with that person.
Explore home purchase
