A few basics
Your name, date of birth, and the rough price of the home you have in mind.
How it works
A real rate, and not a scratch on your score.
Jakelo begins with a soft credit inquiry â enough to return an accurate, personalized rate, but the kind of check that's visible only to you and never affects your credit score.
Soft vs. hard pull
Why the first step is completely safe.
A soft inquiry lets us read your credit to price your loan, but it isn't a formal application and lenders don't see it. A hard pull â the kind that can nudge your score â happens only later, with your explicit consent, if you decide to proceed.
- Visible only to you â other lenders never see it
- Zero impact on your credit score
- No account and no obligation to start
What the check needs
A couple of minutes, nothing more.
Your consent
A clear, explicit authorization for the soft inquiry â no fine-print tricks.
That's it
No documents, no uploads, no account. You get a personalized rate immediately.
A $10 rate check
A small, one-time fee runs your soft pull and returns your full results â one check, one report.
Encrypted end to end
Everything you share is protected with bank-level, end-to-end encryption.
Yours to keep
See your rate and options with no pressure to move forward on anyone's timeline but yours.
Good to know
Common questions.
Will checking my rate hurt my credit score?
No. The initial check is a soft inquiry, which never affects your score and is visible only to you.
When does a hard credit pull happen?
Only later, with your explicit consent, if you choose to move forward with a full application.
Why is there a $10 fee?
It covers the cost of running your soft credit pull and returning your full, personalized results â one payment, one report.
Do I need to create an account first?
No. You can get a personalized rate without creating an account or any obligation to continue.
Part of How it works.
See your rate in two minutes.
A soft credit check, no score impact, and a real personalized number.