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.
Built to hit your timeline.
Loan Options
Every home loan option in one place.
A wide range of loan options for many situations. Your advisor helps you compare and choose the one that fits. Eligibility varies by program and loan scenario.
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.
Learn moreVA 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.
Learn moreJumbo 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.
Learn more15-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 interest rate stays fixed for the life of the loan once you lock your rate.
Details coming soon
Adjustable-Rate (ARM)
An option to consider if you expect 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.
Understand what you may be able to afford
No more guessing at your budget or falling for homes out of reach. Your pre-approval letter gives you a clear estimate of your price range, subject to final underwriting.
Strengthen your offer
In competitive markets, a pre-approval from a trusted lender signals to sellers that you are a serious, prepared buyer, not just interested.
Set your budget before you shop
Interest rates can shift. Starting the financing conversation early means you shop with a clearer picture of your numbers.
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.
A pre-approval is not a final loan approval or a commitment to lend. It remains subject to final underwriting, property review, appraisal, and other conditions.
How It Works
Apply for a home loan online.
Most borrowers finish the initial rate check in under 10 minutes and see a preliminary result 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
Frequently asked questions.
Everything you need to know about your home loan options
FHA loans can be an option for first-time buyers because they may allow lower credit scores (580+) and down payments as low as 3.5%. If you are buying in an eligible rural area, a USDA loan may also be an option. Veterans and service members may want to explore VA loan options. The right loan depends on your individual scenario — your advisor can help you compare.
Important rate & fee disclosures
A pre-approval is a preliminary evaluation based on the information and documents you provide; it is not a final loan approval or a commitment to lend and remains subject to final underwriting, property review, and appraisal.