A mortgage.
From someone you already trust.

Get your mortgage through your real estate agent, builder, or advisor—powered by Realfinity. Faster approvals. Less hassle. No surprises.

Review Buyability

Work with Someone You Trust

Skip the lender shopping. Your current advisor has you covered.

Rethinking Loans for Lower Rates

We cut the middlemen and overhead—so you get better pricing.

Close With Confidence

No guesswork. You’ll always know what’s next and why.

“The entire experience was an absolute pleasure. They got me the best rate and have a great software platform where everything is clean and easy to manage, including all communication. Overall, I’m very happy with the experience and their team.”
Peter R.Homebuyer
"My real estate agent helped me secure financing through the Realfinity platform, locking in a great interest rate that resulted in the monthly payment I was aiming for. The transition from a cash offer to a financed closing was seamless, and we still managed to close the deal in under 14 days."
Tania F.Homebuyer
“I had an excellent experience working with Realfinity. They helped secure a bank loan for my real estate clients, and their professionalism, responsiveness, and dedication were truly outstanding. The process was smooth from start to finish, and everything was completed on time.”
Keila R.Real Estate Agent
"Responsive, helpful folks. Would recommend."
Scott H.Homebuyer
Conforming Loans
Reliable financing backed by Fannie Mae and Freddie Mac — ideal for primary, secondary, or investment properties.
FHA, USDA & VA Loans
Government-backed options designed for qualified buyers seeking flexible terms or zero down.
Bank Statement Loans
Perfect for self-employed borrowers — qualify based on income shown through bank deposits, not tax returns.
DSCR Loans
Investor-friendly loans based on rental income, not personal income — ideal for scaling property portfolios.
Jumbo Loans
High-balance financing for luxury or high-value properties that exceed conforming loan limits.
HELOCs & HELOANs
Tap into your home’s equity with flexible credit lines or fixed-rate loans — for renovation, debt consolidation, or major purchases.
Cash-Out Refinance
Unlock your home’s equity with a cash-out — refinance your existing loan and walk away with cash in hand.
Digital platform

The advent of cloud services and AI have dramatically lowered the cost of having expensive brick & mortar offices as well as area managers.

Transparent and affordable fees

We believe in transparency and provide maximum ease with minimum fees.

Money-saving partnerships

As a digital mortgage bank with hundreds of investors vying for our loans, if you find a better deal, we’ll match it.

Data-driven mortgage services

Using data intelligence to provide personalized property data and finance options for your clients.

FAQ: Rates and Loans

Above, you can see Realfinity’s current rates for standard loan products compared to the average rates offered by other lenders. We benchmark our rates against the competition by monitoring loan locks through an independent capital markets firm. As an embedded lending platform, Realfinity operates at a lower cost, enabling us to offer more competitive rates.

We offer a broad range of loan products, including both conventional (private sector) and non-conventional (government-backed) loans. Within our conventional offerings, we also provide non-conforming and non-QM loans, tailored to specific borrower profiles such as foreign nationals, self-employed individuals, and specialized loan types like jumbo or second mortgages/ HELOCs.

Yes, we have foreigner loan programs.

Yes, we lend on new construction projects, but the appraisal can only be conducted once the property is 90% complete.

Realfinity specializes exclusively in residential mortgages and does not offer commercial loans.

Yes, we operate as a correspondent lender, partnering with various counterparties to provide consumers with competitive rates and loan products. Our counterparties, including investors and wholesale lenders, do not engage directly with consumers. Realfinity Mortgage serves as the sole loan originator, focused on originating loans at a lower cost than traditional lenders through our embedded lending model.

Affordability Calculator

Use this calculator to estimate your monthly costs based on purchase price and down payment.