Stone Ridge Home Loans, PLLC, a wholesale mortgage broker serving Washington and Idaho through its platform srhomeloans.com, has introduced THE LIVE PRICER, a real-time mortgage rate tool that allows homebuyers to view current loan pricing without providing any personal information. The tool is now accessible to buyers throughout both states, offering transparency in a process many borrowers find daunting.
The tool addresses a common anxiety among first-time homebuyers: the fear that inquiring about rates will lead to unsolicited sales calls, credit inquiries, or persistent follow-up. THE LIVE PRICER lets buyers see 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. This approach reflects a broader shift in consumer behavior, where buyers prefer to research significant purchases independently before engaging with a professional.
“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, often resulting in more competitive pricing and a wider range of loan structures. Koellen, who has been originating home loans since 1988 and holds NMLS #61669, brings over 35 years of experience. The brokerage, operating under Stone Ridge Home Loans PLLC (NMLS #2538897), has a 4.6-star rating and is headquartered at 9615 W Melville Rd, Cheney, WA 99004.
A key area of expertise for srhomeloans.com is community property lending in Washington and Idaho. Both states have specific legal requirements for how spousal assets and liabilities are treated in mortgage applications. Navigating these rules requires familiarity with lender interpretations, affecting loan eligibility, debt-to-income calculations, and title requirements. The brokerage serves areas including Spokane, Spokane Valley, Medical Lake, Airway Heights, and Bellevue in Washington, as well as Coeur d'Alene and Post Falls in Idaho.
The brokerage operates on a single point-of-contact model, where borrowers work directly with Koellen from application through closing, with no handoffs to different departments. Appointments are available evenings and weekends, and Spanish-language loan applications are supported. For buyers evaluating a mortgage broker in Spokane, THE LIVE PRICER provides a low-pressure entry point to understand loan costs and compare scenarios before making any commitment. Full details are available at srhomeloans.com.
