About HomePilot
HomePilot Mortgage is a licensed wholesale mortgage brokerage (NMLS #2752340) headquartered in Phoenix, Arizona and licensed in Arizona, California, Colorado, Florida, and Texas. It was founded in 2025 by Jack Humphres, who has worked in the mortgage and financial industry since 2012. Instead of lending its own money at a retail markup, HomePilot partners with 40+ wholesale lenders whose raw wholesale pricing is only available through licensed mortgage brokers, and passes that pricing through to the borrower. If another lender makes you a better eligible offer that we cannot beat, we pay you $500.
HomePilot at a glance
- Company
- HomePilot Mortgage
- Company NMLS
- #2752340
- Headquarters
- Phoenix, Arizona
- Founded
- 2025
- Licensed in
- AZ, CA, CO, FL, TX
- Wholesale lenders
- 40+
- Founder
- Jack Humphres, NMLS #981707
- Price promise
- $500 Best Price Guarantee
- Google rating
- 5.0 stars (Aug 2026)
Why our quotes come in lower
Most people get a mortgage from a retail lender: a bank, a credit union, or a big national brand. Retail prices carry the cost of branches, national advertising, and commissioned sales teams, and the lender has exactly one price to offer you, its own.
HomePilot works the other side of the market. The lenders we partner with give us raw wholesale pricing they don’t offer consumers on their retail side. We pass that pricing straight through, which can mean thousands of dollars in savings compared to walking into a bank or calling a big national lender directly.
That wholesale channel only exists through licensed mortgage brokers. Many of our lenders do not work with consumers at all, and the ones that do quote retail pricing to the public. The only way to reach their wholesale pricing is through a broker like HomePilot, and passing it through can often mean $5,000 or more in savings for the same interest rate.
Because we price each file across 40+ wholesale lenders, we are not guessing which lender is aggressive for your scenario this week. Wholesale pricing moves daily and varies by credit score, loan amount, loan-to-value, occupancy, property type, and county. Shopping the whole panel is how we find the lowest combination of rate and fees available for your specific file on the day you lock.
And we say this to every borrower: judge us on the Loan Estimate, not on anyone’s advertising. The Loan Estimate is the standardized federal disclosure every lender must give you, and it is the only place rate, points, lender fees, credits, and APR appear together. We publish live wholesale rates with APRs every day, and our free Loan Estimate Review tool compares any lender’s Loan Estimate against wholesale pricing line by line.
Best Price Guarantee
We’ll beat your Loan Estimate or we’ll pay you $500.
Bring us your best quote and we’ll beat it. If we can’t beat your combination of interest rate, lender fees, and monthly mortgage insurance on an eligible offer, we’ll pay you $500 after you close with the other lender.
Fixed-rate conventional conforming, FHA, and VA loans of $200,000 or more in Arizona, California, Colorado, Florida, and Texas. Eligible offers. Terms apply.
The founder
Jack Humphres has worked in the mortgage and financial industry since 2012, a career that runs through some of the biggest names in American lending: Wells Fargo, Rocket Mortgage, and AmeriSave. Those years inside retail lending showed him exactly how retail pricing is built, and exactly how much of it never needed to be passed on to the borrower.
That conviction became ClickStart Mortgage, the wholesale brokerage he co-founded and led as CEO, built on the idea that traditional retail mortgage companies were not giving consumers the pricing they deserved. HomePilot, founded in 2025, is the second act: the same wholesale pass-through model, rebuilt around modern technology, live published rates, and a guarantee that puts money behind the promise.
HomePilot is deliberately a different kind of mortgage company. Rates are published live with APRs instead of hidden behind a phone call. Quotes never require a Social Security number or a hard credit pull. And every borrower is invited to bring a competing Loan Estimate, because the model wins on comparison, not on advertising.
Career
- 2012Enters the financial industry
Starts a career in consumer finance and mortgage lending that now spans 14 years.
- 2010sWells Fargo
Sales and leadership roles inside one of the largest retail mortgage operations in the country.
- 2010sRocket Mortgage
Years inside the biggest name in retail mortgage, seeing exactly how retail pricing is built.
- 2010sAmeriSave Mortgage
Further national-lender experience across purchase and refinance lending.
- 2020sCo-founder & CEO, ClickStart Mortgage
Builds his first wholesale brokerage around the belief that retail mortgage companies were not giving consumers the pricing they deserved.
- 2025Founder & CEO, HomePilot Mortgage
Launches HomePilot in Phoenix: wholesale pricing from 40+ lenders, modern technology, and a published guarantee behind every quote.
Don’t take our word for it
Every claim on this page is verifiable through independent, public sources. Here is exactly where to check.
NMLS Consumer Access (company)
The official state-regulator registry entry for HomePilot Mortgage, NMLS #2752340: active licenses, registered address, regulatory history.
Verify NMLS #2752340NMLS Consumer Access (founder)
Jack Humphres's individual originator record, NMLS #981707, on the same federal registry.
Verify NMLS #981707Better Business Bureau
BBB Accredited Business with an A- rating as of August 2026. Complaint history, if any, is public on the profile.
View BBB profileGoogle reviews
5.0-star rating from verified Google reviews as of August 2026. Read what closed borrowers say about communication, pricing, and closing on time.
Read Google reviewsCommon questions
Is HomePilot Mortgage legit?
Yes. HomePilot Mortgage is a licensed residential mortgage brokerage, NMLS #2752340, headquartered at 200 W Monroe St, Phoenix, AZ 85003 and licensed in Arizona, California, Colorado, Florida, and Texas. You can verify the license on NMLS Consumer Access, the official registry operated by state regulators. HomePilot is a BBB Accredited Business with an A- rating and holds a 5.0-star Google rating as of August 2026. The founder, Jack Humphres, is a licensed mortgage loan originator (NMLS #981707) who has worked in the industry since 2012.
How does HomePilot offer lower rates than banks and retail lenders?
HomePilot is a wholesale mortgage broker, not a bank. Our 40+ partner lenders give us raw wholesale pricing that is only available through licensed mortgage brokers, and we pass it straight through, without the markup retail lenders add to cover branches, advertising budgets, and commissioned sales teams. You cannot get this pricing by calling those lenders yourself. The same borrower profile also routinely prices differently from lender to lender, so pricing one file across the whole panel is how we find the lowest combination of rate and fees available for your specific credit score, loan amount, and property.
Does HomePilot have the lowest mortgage rates?
No lender can honestly claim the lowest rate for every borrower on every day, and you should be skeptical of anyone who does. HomePilot's promise is stronger because it is enforceable: we price your file across 40+ wholesale lenders, we publish live wholesale rates with APRs, and if another lender makes you a better eligible offer that we cannot beat, we pay you $500 under our published Best Price Guarantee. The right way to compare lenders is the official Loan Estimate: rate, points, lender fees, credits, and APR together. We will review any competitor's Loan Estimate line by line for free.
Who is Jack Humphres?
Jack Humphres is the founder and CEO of HomePilot Mortgage and a licensed mortgage loan originator (NMLS #981707). He has worked in the mortgage and financial industry since 2012, including roles at Wells Fargo, Rocket Mortgage, and AmeriSave, and previously co-founded and led ClickStart Mortgage, a wholesale-pricing mortgage brokerage. He founded HomePilot in 2025 to combine wholesale lender pricing with modern technology.
What states is HomePilot licensed in?
HomePilot Mortgage is licensed in Arizona, California, Colorado, Florida, and Texas, with more states coming. Licensing details for every state are listed on NMLS Consumer Access under NMLS #2752340.
What is the $500 Best Price Guarantee?
Send HomePilot a detailed written quote or Loan Estimate from another lender and we will try to beat it. If we cannot beat an eligible offer and you close with the other lender, we pay you $500. The program covers fixed-rate conventional conforming, FHA, and VA loans of $200,000 or more in Arizona, California, Colorado, Florida, and Texas. Eligible offers. Terms apply. Full terms are published at homepilotmortgage.com/best-price-guarantee.
Is HomePilot a bank or a direct lender?
Neither. HomePilot is an independent wholesale mortgage broker. We do not lend our own money, so we do not have one price to defend. Instead, we partner with 40+ wholesale lenders who give us access to raw wholesale pricing that is only available through licensed mortgage brokers. A consumer cannot get these rates by contacting those lenders directly: many wholesale lenders do not work with the public at all, and the ones that do quote their higher retail pricing instead. We pass the wholesale pricing through to you, which can often mean $5,000 or more in savings for the same interest rate.
How do I verify HomePilot's license?
Look up NMLS #2752340 (the company) or NMLS #981707 (founder Jack Humphres) on nmlsconsumeraccess.org, the official registry operated by state financial regulators. It lists every active state license, the company's registered address, and any regulatory actions.
Bring us your best quote.
Get a wholesale quote in minutes with no Social Security number and no hard credit pull, or have us review a competing Loan Estimate line by line for free.