The savvy way to
get a mortgage.
Explore your options, run the numbers, and you'll land where the smart money does — lower rates, zero junk fees, and a team of seasoned advisors, analysts, and processors who make the whole thing effortless.
Avg. application time
Junk fees
12,400+ reviews
Pre-approved
in 90 seconds
Olive Bennett
Home Purchase · Austin, TX
Your estimated rate
6.375%Loan Amount
$420,000
Est. Payment
$2,620/mo
Term
30-yr fixed
In underwriting · 72% complete
Pick your path. We'll guide the
rest.
Whether you're buying your first place or making your current loan work harder, the savvy move is to compare — then let your Savvy Mortgage team map the whole route so you always know what's next.
Home Purchase
From pre-approval to keys in hand. We'll pair you with a purchase analyst who knows your market.
Home Refinance
Lower your rate, tap your equity, or shorten your term. A refinance analyst runs the numbers with you.
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, government-backed, or something more flexible — your advisor helps you compare and choose the loan that actually fits your life.
Conventional
Flexible, competitive financing for buyers with solid credit. Great for primary homes, second homes, and investment properties.
As little as 3% down
FHA
Backed by the Federal Housing Administration, with lower down payments and more flexible credit requirements.
From 3.5% down
VA
For eligible veterans, active-duty service members, and surviving spouses. Competitive rates with no monthly mortgage insurance.
$0 down, no PMI
USDA
Backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas. Built for affordability.
Up to 100% financing
Non-QM
Flexible options for self-employed borrowers, investors, and unique income profiles — using bank statements or assets instead of standard docs.
Flexible income documentation
See where rates stand today
A live look across programs. Your actual rate depends on your scenario — your advisor prices it precisely.
| Program | Rate | APR | Points | Est. Payment |
|---|---|---|---|---|
Conventional 30-Year Fixed | 6.375% | 6.512% | 0.500 | $2,495/mo |
Conventional 15-Year Fixed | 5.625% | 5.811% | 0.500 | $3,295/mo |
FHA 30-Year Fixed | 6.125% | 7.005% | 0.500 | $2,430/mo |
VA 30-Year Fixed | 5.990% | 6.214% | 0.000 | $2,396/mo |
Conventional
30-Year Fixed
Rate
6.375%
APR
6.512%
Points
0.500
Est. Payment
$2,495/mo
Conventional
15-Year Fixed
Rate
5.625%
APR
5.811%
Points
0.500
Est. Payment
$3,295/mo
FHA
30-Year Fixed
Rate
6.125%
APR
7.005%
Points
0.500
Est. Payment
$2,430/mo
VA
30-Year Fixed
Rate
5.990%
APR
6.214%
Points
0.000
Est. Payment
$2,396/mo
Sample scenario: $400,000 loan · 90% LTV · 740+ FICO · primary residence · 30-day lock. Estimated payment is principal & interest only. Rates are illustrative for this demo and not a commitment to lend.
Mortgage calculator
Estimate your monthly payment, then fine-tune the details. When you're ready, get a custom quote in minutes.
Mortgage Calculator
30-Year Fixed, 6.375% APR
Home Price
$640,000
Down Payment
$175,000 | 27%
Low rates, no junk fees, real experts.
Savvy Mortgage is a direct lender. We deliver low rates and fast closings through our direct capital-markets relationships, deep experience, and proprietary technology — then pass the savings straight to you. Here's how:
A direct lender, priced at the source
We're a direct lender with relationships straight to Wall Street and the mortgage-backed securities investors who set rates — so you get pricing at the source, not a rate marked up by a middleman.
Close in as few as 21 days
We target 30 days or less, and many Savvy borrowers close in 21 days or less — so you can make strong offers and hit your dates.
Proprietary technology
Our state-of-the-art platform automates the busywork and strips out cost at every step — and those savings go straight back to you.
Low market rates
Priced to win and checked daily
No junk fees
No admin or processing add-ons
A team of experts
Advisor, analyst & processor — all yours
The mortgage people actually recommend
Dana Kim
First-time buyer · Denver, CO
Raj Bhatt
Refinanced · Seattle, WA
Everything you're wondering
Checking your rate is a soft pull and won't affect your credit. A hard pull only happens later, with your permission, once you're ready to move forward on a specific loan.
Make the Savvy Move
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.