Your house.
Our HOM.
Explore your options, run the numbers, and you'll land where the smart money does — competitive rates, zero junk fees, and a real team that answers when you call.
Rate check in 90 seconds
Pick your path. We'll guide the rest.
Home Purchase
From pre-approval to keys in hand. We'll pair you with a purchase analyst who knows your market. See if you may qualify in minutes — with a soft credit check that won't affect your score.
Start purchase journeyHome Refinance
Explore rate, equity, or term options. A refinance analyst runs the numbers with you. Estimate potential savings in minutes and see whether a refinance makes sense for your situation.
Start refinance journeyRefinancing costs may apply. Any savings depend on your current loan, new loan terms, and how long you keep the loan.
Four steps to your front door.
Real numbers, real experts, and no surprises. You'll always know exactly where you stand and what comes next.
Build your profile
Tell us about your goals in a few minutes. Soft credit check only — no hard pull, and your info is never sold.
Meet your team
Get matched with your advisor, analyst, and processor. We talk through your options — no pressure, no obligation.
See your real options
We lay out your loan choices side by side with clear, honest numbers — then lock a competitive rate that fits your life.
Close with confidence
Sign digitally and close on your timeline. Your team handles the paperwork and keeps everything on track to the keys.
One company, every loan type.
Conventional
Flexible, competitive financing for buyers with solid credit. Great for primary homes, second homes, and investment properties.
FHA
Backed by the Federal Housing Administration, with lower down payments and more flexible credit requirements.
VA
For eligible veterans, active-duty service members, and surviving spouses. Competitive rates with no monthly mortgage insurance.
USDA
Backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas. Built for affordability.
Non-QM
Flexible options for self-employed borrowers, investors, and unique income profiles — using bank statements or assets instead of standard docs.
Mortgage calculator.
Estimate your monthly payment, then fine-tune the details. Want the full picture — program-aware mortgage insurance or a debt-consolidation refi? Open the calculators.
Calculator results are estimates only and do not constitute a rate quote, an APR, a loan offer, or a rate lock. Taxes, insurance, HOA dues, and mortgage insurance are estimates you can adjust; actual amounts vary by property and program. Your actual rate, payment, and terms depend on a complete application, credit review, and property appraisal.
Competitive rates, no junk fees, real experts.
House of Mortgage is a direct lender. We deliver competitive rates and fast closings through our direct capital-markets relationships, deep experience, and proprietary technology — helping make every step of the loan process more efficient. Here's how:
Direct Lender
We're a direct lender with relationships straight to Wall Street and the mortgage-backed securities investors who set rates — working with you from application to closing.
Fast Closing Timeline
We target 30 days or less, and many HOM borrowers close in 21 days or less — so you can make strong offers and hit your dates. Closing timelines vary by loan and transaction.
Proprietary Technology
Our state-of-the-art platform automates the busywork and helps make every step of the loan process more efficient.
Your Own Team
An advisor, an analyst, and a processor — all yours, all reachable. One team from first call to closing table.
The mortgage people actually recommend.
I closed in 18 days. My advisor texted me updates like a friend would. I never once felt lost in the process.
The dashboard told me exactly what to do next, every day. Refinancing went from a chore to a game I wanted to finish.
The experiences of individual clients may not be representative of the experiences of all clients. Savings are not guaranteed and will vary based on your unique situation and other factors.
Everything you're wondering.
Is getting pre-approved going to hurt my credit?
What does the House of Mortgage team actually do?
How fast can I close?
What fees does House of Mortgage charge?
Do you lend in my state?
Your mortgage journey, made simple.
See your rate, meet your team, and make the smart call — in minutes. No commitment, and no fees just to look.