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Introducing Earnest Home Loans

We are thrilled to share that Earnest Home, a member of the Earnest family, is offering home loans! This is a major step in our mission of offering more people better access to credit, at a low cost.

The path to home ownership can be overwhelming and difficult to navigate. To help clear the path, we are focused on delivering an experience that not only provides viable financial options for our clients, but with the ease and transparency Earnest clients have come to expect.

Our software platform allows us to digitally deliver what can be an arduous manual process. We are able to offer competitive terms by keeping our costs low, and we maintain an operational model that puts the client first. In line with this mentality, we do not charge lender fees nor use commissioned-based incentives for our team members.

Earnest Home loans can be used for purchasing and refinancing properties. Currently, we offer 30- and 15-year fixed rate, and 7/1 and 5/1 ARM options across 18 states. Rates are always changing, but you can get a real-time estimate on our Earnest Home Rate Check page. We are working to rapidly expand our product availability and encourage you to visit our eligibility guidelines for more information.

Our veteran mortgage advisors come with decades of industry experience, and with that knowledge have refined our processes and enabled Earnest to automate what used to be a lengthy, paper-driven operation. While the entire process can be conducted online, our team of home loan specialists are always available to answer your call or respond to your message.

We understand our clients may be in different stages of the home buying process. To help, Earnest has developed a library of essential resources and regularly add home buying and mortgage stories on the Earnest blog.

We believe the fundamental role of banks and lenders is to help people realize their hopes and dreams. Offering home loans is the necessary next step towards being the lender people deserve.

 – The Earnest Home Team

New to Earnest?
Earnest is a technology company using software automation, smart design, and exceptional service to restore trust in the lending industry and help clients take control of their finances.