In-House Lending — No Referrals, No Brokers

Your Mortgage.
Our Team.
Better Rates.

Amplified Estates originates your loan directly. One team, one process, zero hidden fees — and an average of $24,350 in savings per closing.

$0
Lender & origination fees
$0
Refinance fees, forever
$3,500
On-time closing bonus
0.48%
Below national avg. rate
✓ Soft credit check only
✓ Pre-approval in 24 hrs
✓ No commitment required
✓ NMLS licensed lender
Today's Rates — March 19, 2026
Freddie Mac PMMS
30-Yr Fixed
FHA
VA
Cash-Out
National Average
6.22%
Freddie Mac PMMS
Amplified Estates
5.74%
Your rate
↓
$85/mo savings
on a $400k loan vs. national avg · = $30,600 over the loan
Rates for well-qualified borrowers · 720+ credit · Subject to change · Not a commitment to lend
Live Rate Comparison

Our Rates vs.
The National Average

Sourced from Freddie Mac's Primary Mortgage Market Survey® — the most widely cited rate benchmark in the U.S., updated weekly.

Rates current as of March 19, 2026 · Freddie Mac PMMS + AE pricing
Loan TypeNational Avg.AE RateSavings
30-Year Fixed
Most popular · stable payments for 30 years
6.22%
5.74%
▼ 0.48%
FHA Loan
3.5% down · flexible credit requirements
5.96%
5.49%
▼ 0.47%
VA Loan
0% down · no PMI for eligible veterans
5.80%
5.32%
▼ 0.48%
Cash-Out Refinance
Unlock equity · zero refi fees with AE
6.62%
6.12%
▼ 0.50%
National averages sourced from Freddie Mac PMMS® week ending March 19, 2026. AE rates for well-qualified borrowers (720+ credit score, 20% down, primary residence). Individual rates vary by credit profile, LTV, and property type. All rates subject to change without notice. Not a commitment to lend. NMLS #2847001 · Equal Housing Lender.
Why Amplified Estates Lending

The Benefits Are
Built Into Every Loan

$24,350
Average savings per closing — across all Amplified Estates loan clients
Calculated across waived lender fees, zero refinance fees, below-market rate savings over the loan term, and on-time closing bonuses. Real money at the table — not paper credits.
$0
Waived Lender Fees
$0
All origination, underwriting, and processing fees waived. Every dollar other lenders call a closing cost, we call gone — before you ever unlock the front door.
$0
Zero Refinance Fees
$0
Refinance with us at no cost — forever. When rates drop, reset your rate with zero lender fees. Our clients refinance up to 3× over the life of their loan at no charge.
%
Rate Discounts
Up to 0.50%
Exclusive rates consistently below the national average. A 0.48% reduction on a $400k loan saves $85/month — or $30,600 over a 30-year term. That compounds significantly.
✦
On-Time Closing Discount
Up to $3,500
We guarantee your closing date. Close on time — 97% of our closings do — and receive up to $3,500 credited to your costs. If we miss it, we cover the difference.
Loan Programs

Find the Right Loan
For Your Situation

Most Popular
30
30-Year Fixed
5.74% APR 5.82%
The most popular loan in America — predictable payments, maximum affordability, and the longest runway to build equity.
  • Fixed payment for 30 years
  • 20% down eliminates PMI
  • All lender fees waived
  • On-time closing bonus up to $3,500
FHA
FHA Loan
5.49% APR 5.61%
The most accessible path to ownership — lower down payment, flexible credit, and lower barriers for first-time buyers.
  • As low as 3.5% down
  • 580+ credit score eligible
  • No prepayment penalties
  • Waived lender fees
Veterans
VA
VA Loan
5.32% APR 5.40%
For eligible veterans, active duty, and surviving spouses — the most powerful loan program available, with no down payment and no PMI.
  • Zero down payment required
  • No PMI — ever
  • No lender fees for veterans
  • Rates below market
↺
Cash-Out Refinance
6.12% APR 6.20%
Unlock the equity you've built and use it however you need — with zero refinance fees when you refi with us.
  • Zero refinance fees
  • Access up to 80% of equity
  • No prepayment penalties
  • 21-day close guarantee
Mortgage Calculator

Estimate Your
Monthly Payment

Adjust the sliders to model your scenario. Toggle between our rate and the national average to see your exact monthly savings.

Home Price$400,000
Down Payment20% · $80,000
Loan Term30 Years
Rate Comparison Mode
Property Tax (%/yr)
Insurance (%/yr)
Estimated Monthly Payment (PITI)
$—
—
Principal & Interest—
Property Tax (est.)—
Home Insurance (est.)—
Loan Amount—
Interest Rate—
Total Interest Paid—
vs. Market Rate (6.22%)—
Estimate only — includes principal, interest, taxes & insurance. Actual payment may vary. Not a commitment to lend.
Your Loan Journey

From Application
to Keys in Hand

Our in-house team handles every step. No handoffs, no surprises — just a clear path from your first click to your closing day.

1
Day 1 · 10 minutes
Submit Your Application
Complete our secure online form in under 10 minutes. Tell us your loan purpose, credit profile, and the property you have in mind. Soft credit check only — zero impact to your score.
Time requiredUnder 10 minutes
Credit impactNone — soft pull only
What you'll needBasic income & property info
Day 1–2 · Within 24 hours
Get Pre-Approved
Your dedicated Amplified Estates loan officer reviews your file and contacts you within 1 business hour. They confirm your rate, answer every question, and issue a pre-approval letter — typically within 24 hours of submitting.
TurnaroundWithin 24 hours
Your rateLocked upon request
DeliverablePre-approval letter
2
3
Days 2–21 · Parallel processing
Underwriting & Rate Lock
Once under contract, we lock your rate for 60 days and run underwriting in parallel — so nothing stalls. Your loan officer updates you at every milestone: appraisal, title search, and final approval.
Rate lock60-day protection
ProcessingParallel underwriting
Avg. to clear-to-close21 days
Closing Day · Zero fees
Close, Save & Get Your Keys
We close on your guaranteed date with zero lender fees at the table. Close on time — 97% of our clients do — and receive up to $3,500 credited directly to your closing costs. Sign, save, step through the door.
Lender fees$0 — fully waived
On-time bonusUp to $3,500 credited
Avg. total savings$24,350 per closing
4
Ready to begin your journey?
Soft credit check · No commitment · Pre-approval in 24 hours
✓ NMLS Licensed Lender ✓ Equal Housing Opportunity ✓ 256-bit Encrypted ✓ No Fees to Apply