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
Homes served
Rate check
in 90 seconds
Olive Bennett
Home Purchase · Hollywood, FL (zip 33021)
Loan Amount
$450,000
Est. P&I payment
$2,807/mo
Term
30-yr fixed
In underwriting · 72% complete
Sample rendering of the Savvy Borrower Platform — illustration only. Not a rate quote or approval. Terms vary.
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
Explore rate, equity, or term options. A refinance analyst runs the numbers with you.
Refinancing costs may apply. Any savings depend on your current loan, new loan terms, and how long you keep the loan.
Loan features shown are examples only. Eligibility, terms, and program availability vary by loan program and individual loan scenario — not all applicants will qualify for every program.
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 | Discount points | Est. P&I payment |
|---|---|---|---|---|
Conventional 30-Year Fixed | 6.375% | 6.512% | 2.500 (2.50%) | $2,807/mo |
Conventional 15-Year Fixed | 5.625% | 5.811% | 2.600 (2.60%) | $3,707/mo |
FHA 30-Year Fixed | 6.125% | 7.005% | 2.400 (2.40%) | $2,734/mo |
VA 30-Year Fixed | 5.990% | 6.214% | 2.700 (2.70%) | $2,695/mo |
Conventional
30-Year Fixed
Rate
6.375%
APR
6.512%
Discount points
2.500 (2.50%)
Est. P&I payment
$2,807/mo
Conventional
15-Year Fixed
Rate
5.625%
APR
5.811%
Discount points
2.600 (2.60%)
Est. P&I payment
$3,707/mo
FHA
30-Year Fixed
Rate
6.125%
APR
7.005%
Discount points
2.400 (2.40%)
Est. P&I payment
$2,734/mo
VA
30-Year Fixed
Rate
5.990%
APR
6.214%
Discount points
2.700 (2.70%)
Est. P&I payment
$2,695/mo
Rates shown are based on the sample purchase scenario described here and may change without notice. The sample scenario assumes a borrower with a 760 credit score purchasing a single-family, 1-unit primary residence in Broward County, FL (zip 33021) for $500,000 with a $450,000 loan amount (90% LTV), 2 months of reserves, and a 30-day rate lock. Estimated payments include principal & interest only — taxes, homeowners insurance, mortgage insurance, HOA dues, and other escrows are excluded. Your actual rate, payment, and terms will depend on your individual loan scenario and are 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% Interest Rate
Home Price
$640,000
Down Payment
$175,000 | 27%
Calculator results are estimates only and do not constitute a rate quote, an APR, a loan offer, or a rate lock. Any available rate lock will be confirmed separately. Estimated closing costs (such as lender fees, title, and appraisal) are not included. If you apply, you will receive a Loan Estimate.
Competitive rates, no junk fees, real experts.
Savvy 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:
A direct lender, working with you from application to closing
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.
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. 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.
Competitive rates
Smart pricing, checked daily
No junk fees
No separate administrative or processing fees. Other lender fees, third-party fees, prepaid items, and program-specific charges may apply.
A team of experts
Advisor, analyst & processor — all yours
Aggregate residential loan volume funded by Standard Mortgage Capital, LLC
Average annual savings; closing costs may apply and individual results vary
The mortgage people actually recommend
Dana Kim
First-time buyer · Denver, CO
Raj Bhatt
Refinanced · Seattle, WA
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
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.