Stone Ridge Home Loans, PLLC, a wholesale mortgage broker serving Washington and Idaho, has launched 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 at srhomeloans.com, removes a key barrier for first-time homebuyers who fear that inquiring about rates will trigger unsolicited sales calls, credit inquiries, or persistent follow-ups. By allowing users to view real-time rate quotes based on loan type, purchase price, and down payment scenarios without entering a name, phone number, email address, or Social Security number, THE LIVE PRICER reflects a broader shift in consumer behavior toward independent research before engaging with financial services.
“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 traditional banks or retail lenders. Instead of offering products from a single institution, the brokerage connects borrowers to a network of wholesale lenders, potentially 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. The brokerage carries a 4.6-star rating and operates under Stone Ridge Home Loans PLLC (NMLS #2538897), headquartered at 9615 W Melville Rd, Cheney, WA 99004.
The tool is particularly valuable for buyers in Washington and Idaho, where community property laws govern spousal assets and liabilities in mortgage applications. These rules can affect loan eligibility, debt-to-income calculations, and title requirements. Koellen’s expertise in community property lending provides depth for buyers seeking home loans in Cheney, Spokane, Spokane Valley, Medical Lake, Airway Heights, Bellevue, and Idaho communities like Coeur d'Alene and Post Falls.
The brokerage operates on a single point-of-contact model, meaning borrowers work directly with Koellen from application through closing, with no transfers to different 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 making any commitment or sharing personal data. Full details are available at srhomeloans.com.
