Stone Ridge Home Loans, a wholesale mortgage broker serving Washington and Idaho, has introduced THE LIVE PRICER, a real-time mortgage rate tool that enables homebuyers to view current loan pricing without providing any personal information. The tool, accessible through srhomeloans.com, addresses a common concern among first-time homebuyers: the fear that inquiring about rates will trigger unsolicited sales calls or credit inquiries. By allowing users to see real-time rate quotes based on loan type, purchase price, and down payment scenarios without entering a name, phone number, or Social Security number, the tool provides a transparent starting point in the mortgage process.
“Patience, precision, and transparency have always been the foundation of how I work with clients,” said Todd Koellen, Designated Broker Owner of srhomeloans.com. “THE LIVE PRICER puts that transparency right at the front of the process, so buyers can see real numbers — no strings attached — before they ever pick up the phone.”
As a wholesale mortgage broker, srhomeloans.com operates differently from a traditional bank or retail lender. Instead of offering products from a single institution, the brokerage connects borrowers to a network of wholesale lenders, resulting in more competitive pricing and a broader range of loan structures. Todd Koellen, who holds NMLS #61669 and has been originating home loans since 1988, brings over 35 years of experience to each transaction. The company carries a 4.6-star rating and operates under Stone Ridge Home Loans PLLC (NMLS #2538897).
The brokerage specializes in community property lending in Washington and Idaho, states with specific legal requirements regarding spousal assets and liabilities in mortgage applications. Navigating these rules requires familiarity with how lenders interpret community property obligations, affecting loan eligibility, debt-to-income calculations, and title requirements. For buyers seeking home loans in Cheney, WA, and surrounding communities, srhomeloans.com serves a footprint including Spokane, Spokane Valley, Medical Lake, Airway Heights, Bellevue in Washington, and Coeur d'Alene and Post Falls in Idaho.
The brokerage operates on a single point-of-contact model, meaning borrowers work directly with Todd Koellen from application through closing, with no transfers to separate departments. Appointments are available during evenings and weekends, and Spanish-language loan applications are supported. For buyers evaluating a mortgage broker in the Spokane area, THE LIVE PRICER offers a low-pressure entry point to understand loan costs and compare scenarios before any commitment.
