Knowledge is power. Confidence comes from understanding.
Pick Your Rate is powered by Lennox Mortgage Group LLC, an independent mortgage brokerage built on transparency and education — not on quoting you one rate and hoping you don't ask questions.
Why Pick Your Rate exists
After years in financial services, John Schwarzkopf founded Pick Your Rate because borrowers were often being asked to make one of life's largest financial decisions without clearly seeing the choices behind the quote. Most lenders quote a single rate and hope you don't ask questions — as an independent brokerage, we shop a wide network of wholesale lending partners instead, and walk you through your options side by side before you commit to anything.
What we believe
Advisors, not salespeople
We explain every number and trade-off up front, in plain English. You'll never feel sold to — even if the right decision is to wait.
A network, not one menu
As an independent brokerage, we shop a wide network of wholesale lending partners instead of forcing one bank's products to fit.
Transparency, always
Rates, points, lender credits, closing costs — you'll see how the pieces work together before you commit to anything. No surprises at closing.
John Schwarzkopf
Founder of Lennox Mortgage Group and creator of Pick Your Rate. In financial services since 2008, licensed since 2013 — and still convinced the best mortgage is the one that fits your goals, not the one that's easiest to sell.
Company
- Pick Your Rate is a consumer-facing brand of Lennox Mortgage Group LLC
- Lennox Mortgage Group LLC is an independent mortgage broker, not a lender
- Company NMLS #2323240
- Licensed in Connecticut, Florida, and Colorado
Office
- 424 Main Street, Suite 3, Watertown, CT 06795
- (860) 969-0222
- info@pickyourrate.com
- NMLS Consumer Access
See your options, honestly explained
No cost, no obligation — the conversation costs nothing, and you'll leave it understanding your options better than you did before.