College Tuition
Get a home loan at least
0.25% lower than the
national average
We cut out commissions to lower your mortgage rate by at least 0.25%1 No hidden , no hidden fees.
See What You Can Save vs the National Average
Their Rate
6.81%
Comparison Rate
6.31%
$100K$500K$1M$1.5M
0.25%0.50%0.75%1.00%1.25%
You Save
Every Month
$165
Every Year
$1,978
Over 30 Years
$59,340
Illustrative estimate based on a 30-year fixed loan and the current national average rate. Not a rate quote.
What Will You Do with Your Savings?
Retirement
Own Your Home Faster
More Than a Lower Rate
Real support before you buy, and long after you move in.
$17,000
For Teachers and First Responders4
Free
Homebuyer Education Classes
Rate Monitoring
We monitor your rate, and when rates drop, we'll let you know when to refinance.
No Sales Pressure
Our advisors don't earn commission when your loan closes. So the advice you get is about what's right for you — not what pays them more.
We have the right loan for you
Fixed Rate Loans
Traditional loans where you pay the same amount every month for the length of the loan (30 or 15 years).
Refinance
Lower your current rate and lower your monthly payments, saving you money.
FHA Loans
Government-insured loans that allow for down payments as low as 3.5%.
VA Loans
Loans for current military members, veterans, and their survivors that allow better terms and no down payment.
Non-Traditional Loans
We have lots of other loan programs to help find the right loan for you including second home, renovation loans, construction loans, and many more.
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.
— Amanda P
Support
Frequently asked questions
Everything you need to know about how Foundation keeps your rate low. Still have questions? Give us a call.
- What makes Foundation's rates lower than other lenders?
- 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.
- Does checking my rate cost anything or hurt my credit?
- 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.
- How long does it take to get approved?
- 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.
- What states is Foundation available in?
- Foundation is available in right now, and we're adding more.
1The “at least 0.25%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 Mortgage News Daily 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.
3Disclosure pending — to be provided.
4$17,000 reflects the maximum potential benefit available to eligible teachers and first responders through specific assistance programs. Actual amounts vary based on program, location, eligibility, and funding availability. Not all applicants qualify.