NoBSRates

What it does

Compare mortgage scenarios instantly without giving up your email, phone number, or credit score. NoBSRates lets buyers, refinancers, and investors model payments, compare loan options, estimate taxes, insurance, PMI, HOA, extra payments, and view live rate benchmarks — without becoming a lead. No spam. No sales calls. No credit impact. You stay in control.

• IB
  I built a dashboard to compare mortgage rates across 120 credit unionsDec 2025 · finfam.app · ▲393

  When I bought my home, the big bank I'd been using for years quoted me 7% APR. A local credit union was offering 5.5% for the exact same mortgage. I was surprised until I learned that mortgages are basically standardized products – the government buys almost all of them (see Bits About Money: https://www.bitsaboutmoney.com/archive/mortgages-are-a-manuf...). So what's the price difference paying for? A recent Bloomberg Odd Lots episode makes the case that it's largely advertising and marketing…

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  RateBunni2021 · ▲107

  Avoid manipulated media to find the right bank for you

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  Pinch2018 · ▲197

  Improve your credit score with your rent payments

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  MyRateAdvisor.aiMar 2026 · ▲3

  Free AI that analyzes your loan quotes — no sales pitch

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  DebtFreePathwaysJul 2026 · debtfreepathways.com · ▲4

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  RePayWiseJun 2026 · repaywise.co.uk · ▲2

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  PaymentKit▲466

  Billing that survives a processor shutdown

  Commerce · 13d ago · paymentkit.com

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  Equitybee Benchmark▲241

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  Brew ▲905

  Like Claude design for email marketing

  AI · May 2026 · brew.new

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  Kilo Code for VS Code▲897

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  AI · May 2026 · storeclaw.ai

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  PollyReach▲796

  Give your agent a real number and voice to make calls.

  AI · May 2026 · pollyreach.ai

• NW
  Needle: We Distilled Gemini Tool Calling into a 26M Model▲776

  Hey HN, Henry here from Cactus. We open-sourced Needle, a 26M parameter function-calling (tool use) model. It runs at 6000 tok/s prefill and 1200 tok/s decode on consumer devices. We were always frustrated by the little effort made towards building agentic models that run on budget phones, so we conducted investigations that led to an observation: agentic experiences are built upon tool calling, and massive models are overkill for it. Tool calling is fundamentally retrieval-and-assembly (match query to tool name, extract argument values, emit JSON), not reasoning. Cross-attention…

  Life & fun · May 2026 · github.com

• FM
  Files.md – Open-source alternative to Obsidian▲730

  Dev tools · May 2026 · github.com