Principal Broker
Andy Hill
Andy Hill is Everyrate's Principal Broker and co-founder. He helps borrowers compare transparent lender options, understand tradeoffs, and decide what mortgage path may fit their purchase, renewal, or refinance.
Broker founder story
Why this broker-led model exists
Andy leads Everyrate's broker-assisted rate experience. His role is to help borrowers move from rate comparison into a clearer conversation about eligibility, lender conditions, costs, and next steps.
Andy helped build Everyrate around a simple idea: borrowers should be able to see rate context before handing over a full application.
As Principal Broker, his role is to connect the online comparison experience with a real broker review, so pricing, lender rules, timing, and documentation are checked before a borrower treats a rate as a plan.
Why trust the review
The job is to test the rate against the file
Transparent before personal
Everyrate starts with rate context and assumptions before asking for sensitive documents.
Broker review before advice
A licensed broker reviews eligibility, lender fit, restrictions, fees, and timing before a recommendation moves forward.
Plain-language tradeoffs
Borrowers should understand why a lower rate may carry conditions, penalties, portability limits, or documentation requirements.
What gets reviewed
More than the lowest number
Mortgage goal and timing
Property location, use, and estimated value
Down payment, current balance, or requested mortgage amount
Likely loan-to-value and insurance context
Lender restrictions, fees, and conditions
Whether the next step should be to continue, wait, or avoid a bad fit