About 3E Lending
Expert Guidance. Independent Marketplace.
3E Lending is a mortgage marketplace built for borrowers—not banks. Our team combines deep lending expertise with an independent platform that lets you compare home purchase, refinance, and investment loan options side-by-side. We explain the trade-offs in plain language, so you feel confident exploring your options and choosing what truly fits your goals—without being steered toward a single product.
Market Transparency
See real options from multiple lenders in one place, with clear terms and expert context so you always know what you’re choosing.
Verified Security
We rigorously vet our lending partners and use secure technology to protect your data, so you can explore your options with confidence.
Loan Types
Explore Loan Paths That Fit You
See loan options that can help you get into a home with a payment and down payment that feel manageable for your first purchase.
Explore financing paths for rental and investment properties, and compare how different structures impact cash flow and long-term returns.
Learn about FHA and VA loan programs designed to provide stability and support, and see how they compare to conventional options.
Payment Calculator
Estimate your monthly principal and interest based on different loan amounts, rates, and terms.
Mortgage Calculator
$300,000
$60,000
3.50%
30 years
Monthly Payment
$0.00
Rates and terms are estimates for illustrative purposes only, subject to change without notice, and depend on borrower qualifications, property details, and market conditions.
Mortgage Calculators, Rates & Pre-Approval
Decision Support
Make confident home financing decisions by estimating your monthly payment, exploring competitive mortgage rates, and getting pre-approved—all in one place.
Compare Today’s Rates
See today’s mortgage rates from multiple lenders and understand how changes in market fluctuations impact your long-term costs.
Rates and terms are estimates for illustrative purposes only, subject to change without notice, and depend on borrower qualifications, property details, and market conditions.
Why 3E?
Transforming the Lending Experience
A Smarter Mortgage Marketplace
We built 3E Lending to bridge the gap between complex mortgage products and your financial goals, centered around three core pillars.
Easy
We simplify the mortgage process, stripping away jargon and red tape to give you a clear, intuitive path to homeownership.
Excellent
We deliver exceptional service and communication, ensuring you never feel left in the dark during one of life's biggest decisions.
Experience
We guide you with knowledge and integrity from application to closing, backed by years of market expertise.
How It Works
01
Answer a Few Questions
Tell us about your home purchase or refinance goals, your timeline, and a few key details about your finances.
02
Compare Mortgage Options
See mortgage offers from multiple vetted lenders side-by-side, including rates, terms, and estimated monthly payments. Rates and terms are estimates for illustrative purposes only, subject to change without notice, and depend on borrower qualifications, property details, and market conditions.
03
Get Pre-Qualified with Morty
Use our partner Morty’s online platform to get pre-qualified, so you can move forward with confidence when you’re ready.
04
Choose and Close Confidently
Pick the mortgage that fits your needs and work with your chosen lender to close on your home or refinance, knowing you compared real options first.
Market Insights
Stay informed with our expert analysis on current lending trends, interest rate fluctuations, and the latest refinancing opportunities in the financial marketplace. All rate data and terms displayed are estimates for illustrative purposes only, subject to change, and depend on individual qualifications and market conditions.
"The precision and transparency of 3E Lending's marketplace made our refinancing journey seamless. We found the perfect lender for our specific needs in a fraction of the time it typically takes."
Sarah Jenkins
Homeowner & Investor