Home loans that work around you.
Savvy Mortgage pairs AI-powered speed with licensed mortgage experts who guide you through every step, from your first rate check to the closing table.
On time, every time
Loan Options
Every home loan option in one place.
Whatever your situation, there is a loan built for it. Your advisor helps you compare and choose the one that fits.
Conventional Loan
Best for buyers with solid credit and stable income who want flexibility in their loan term and a straightforward lending process.
Learn moreFHA Loan
A favorite for first-time buyers and borrowers with a credit score in the 580 to 680 range, or who have a smaller down payment saved.
Details coming soon
VA Loan
For active-duty military, veterans, and eligible surviving spouses. Zero down payment for most eligible veterans, and no monthly mortgage insurance.
Learn moreUSDA Loan
Zero down payment, competitive fixed rates, and no set loan limits. You qualify based on your income and debt-to-income ratio in eligible areas.
Details coming soon
Jumbo Loan
For loan amounts above roughly $832,750 in most counties, with a minimum credit score around 680 to 700+ and a 10 to 20% down payment.
Details coming soon
15-Year Fixed
A rate locked for the life of the loan with a shorter payoff timeline. You pay significantly less total interest than on a 30-year loan.
Details coming soon
20-Year Fixed
A faster payoff than a 30-year loan, lower total interest, and a monthly payment that is more manageable than a 15-year term.
Details coming soon
30-Year Fixed
Payments spread over three decades to keep monthly costs lower and give your budget room to breathe. Your rate is locked in from day one.
Details coming soon
Adjustable-Rate (ARM)
A smart strategy if you plan to sell, refinance, or pay off your loan before the adjustment period begins, often with a lower starting rate.
Details coming soon
Pre-Approval
What mortgage pre-approval does for
you.
Know exactly what you can afford
No more guessing at your budget or falling for homes out of reach. Your pre-approval letter sets a clear, verified purchase ceiling.
Strengthen your offer
In competitive markets, a pre-approval from a trusted lender signals to sellers that you are financially ready to close, not just interested.
Lock in your budget before you shop
Interest rates can shift. Having financing in place early means you decide on real numbers, not estimates.
Reduce stress later in the process
The biggest delays in closings come from financial surprises. Pre-approval surfaces those issues early, while there is time to fix them.
How It Works
Apply for a home loan online.
Most borrowers finish the application in under 10 minutes and get a decision in as little as 5.
Check your rate
Share a few basic details about your income, the home you are considering, and your credit range. Soft pull only.
Complete your application
Smart prompts walk you through each section clearly, so you never hit a confusing wall.
Upload documents securely
Add pay stubs, tax returns, and bank statements through our encrypted portal, or let Aria read them for you.
Get your pre-approval letter
Once reviewed, you receive a verified pre-approval letter to share with sellers and agents.
Take the next step
Ready to buy? Let's get your
home loan started.
Savvy makes the first step easy, with no hard credit check, no long forms, and no waiting on hold. Just a clear picture of what you can borrow and what it costs, in minutes.
Good Questions
Everything you're wondering
A mortgage refinance replaces your current home loan with a new one to get a lower interest rate, change your loan term, or access home equity. The new loan pays off your existing mortgage.