Get a home loanfor 0.5% less.
We cut out commissions to lower your mortgage rate by at least 0.5%.1
No hidden fees.
- National average
- 7.41%
- Below the national averageBelow the national average
- at least 0.50 percentage points lower
- Example rate
- 6.91%
National average: HousingWire, Oct 23, 2026. Illustrative, not a rate quote.
We cut out commissions to lower your mortgage rate by at least 0.5%.1
No hidden fees.
Free to check. Soft credit pull.
4.98 from 96 reviews on Zillow (opens in a new tab)
Syed Ahmad, your loan advisor
NMLS #176743 (opens in a new tab)
Our licensed lending partner, on the national registry
Available in 31 states and Washington, D.C.
Check if yours is one of them
Soft credit pull
Checking your rate is free and won't affect your credit score
Here’s what 0.5% is worth to you.
Set your loan amount and see what a lower rate could keep in your pocket each month.
You keep, each month2
$169Free to check. Soft credit pull.
What would you do with $169 a month?
Here's what it adds up to if you keep the loan. Principal and interest only; an example, not a promise.2
After 1 month
$169
Dinner out, on the difference.
After 1 year
$2,028
A long weekend away.
After 10 years
$20,280
A kitchen you actually love.
After 30 years
$60,840
A real start on college.
There’s more help than you think.
Grants, $0-down options and loans made for the work you do. Your advisor checks every one you might qualify for, including state and local ones.
Teachers, nurses, firefighters, police and EMTs
Grant money toward your home
$17,500+4
Service members and veterans
VA home loans, for survivors too
$0 down
Doctors
Physician home loans: your student loans aren’t counted in your debt-to-income ratio
5% down
Anyone short on the down payment
Help through our nonprofit partners
$0 down3
Everyone else, wherever you live
State and local programs, checked for you
We’ll look
If you qualify. Terms, limits and eligibility apply. Not affiliated with the VA, HUD or any government agency.
Whatever the loan, the same lower rate.
Your advisor matches the loan to your life, and is paid the same whichever one you choose.
Fixed rate
Same payment for 30 or 15 years
For anyone planning to stay put who wants the same principal and interest in year one and year thirty.
See My Rate for a 30-year fixed loanRefinance
If you already own
If rates have dropped since you bought, a refinance could lower your rate and your monthly payment. Your advisor will show you whether it's worth the closing costs.
See My Refinance RateFHA
From 3.5% down
Flexible credit rules and a small down payment, for buyers still building their savings.
See My FHA RateVA
$0 down if you served
For service members, veterans and surviving spouses, using a benefit they've already earned.
See My VA RateAnd more
Second homes, renovation
Construction and renovation loans, second homes and more. Your advisor finds the one that fits.
See My Rate for a second home or renovation
Fixed rate, 1 of 5
No tricks. No commission.
Your advisor doesn't earn more when you borrow more. What we save comes back to you as a lower rate. No hidden points (paying more upfront to lower your rate), no hidden fees.
- Your advisor's commission
- $0
- Homebuyer classes
- Free
And after you close, we keep watching your rate. If a refinance could save you money after closing costs, you'll hear it from us.
“I thought this was going to be hard.”
“…but the Foundation team made it really easy. They were responsive, answered all my questions, and were honest with me about what I could afford. Plus a way better price than the other quotes I got.”
What happens next.
See your rate
Today. See the real rate behind your $169 a month. Free to check.Free to check, with a soft credit pull.
Talk to your advisor
Within 24 hours. One person, start to finish. Most people hear if they're approved by then.
Get your keys
After your offer's accepted. Closing usually takes about 21 days from there, and your advisor keeps you posted the whole way.
Yours
Your first night is closer than it feels.
Takeout on the floor, boxes everywhere, a key that's yours. Let's start with your rate.
- National average
- 7.41%
- Below the national averageBelow the national average
- at least 0.50 percentage points lower
You could keep2
$169a month
See My RateNational average: HousingWire, Oct 23, 2026. Figures are principal and interest only. Free to check. Soft credit pull.
Straight answers.
Our Loan Advisors are licensed Loan Officers, but we pay them a salary instead of commissions. We hand those savings back to you as a lower rate.
No, checking your rate won’t cost anything. We use a soft credit pull so it won’t impact your credit until you are ready to move forward.
Most people find out if they’re approved within 24 hours. From there, closing on your home usually takes 21 days, depending on your loan and the home you’re buying.
Foundation is available in right now, and we’re adding more.
Talk to a real person. No commission, no pressure.
Call or text Mon–Fri, 9am–9pm ET.
(240) 433-5122
Prefer to see it yourself? See My Rate1The “at least 0.5% lower than the national average” rate is offered through Syed Ahmad (NMLS #225914), a licensed loan officer sponsored by Absolute Home Mortgage Corporation, dba Fidelity Direct Mortgage (NMLS #176743). “National average” refers to the 30-year fixed rate published by HousingWire for a baseline loan scenario; your actual rate varies with your loan details. This is not a commitment to lend or a rate quote. Read the full methodology.
2Savings estimates are illustrative and based on the loan amount and rate difference you select in the calculator, compared to the national average rate. Actual savings depend on your loan terms and rate. This is not a rate quote or commitment to lend.
3$0 downpayment program available via Fidelity Zero. Subject to program qualifications.
4$17,500 reflects the minimum potential benefit available to eligible teachers and first responders through FHLB grant program. Actual amounts vary based location, and eligibility. Subject to funding availability. Not all applicants qualify.
