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Why Multiply?
Unlock mortgage rates up to 1% below top retail lenders.* Better rates mean lower monthly payments and more money back in your pocket.
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Work 1:1 with an experienced mortgage advisor who knows your situation. Not a chatbot, not a one-size-fits all-approach. Real help from a real person.
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Access self serve tools and educational resources. When it’s time to buy you can feel confident in your decision knowing that you understand the full picture.
All the tools you need, in one place
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Mortgage calculator
Credit Monitoring
Refinance Monitor
Quick pre-approvals
Rate IQ
Mortgage Education
The mortgage process
Share your financial documents and compare lenders. A pre-approval letter can strengthen your offer.
Work with your agent to search, make offers, and sign a purchase agreement once accepted.
Submit documents, lock your rate, and schedule the home appraisal.
Your lender reviews finances and appraisal. Once conditions are cleared, you’ll be fully approved.
Sign the final documents, pay closing costs, and move into your new home!
Introductory terms
Essential terms every homebuyer should understand
A measure of the total cost of borrowing, including interest rate and fees, expressed as a yearly rate.
The difference between your home’s market value and the outstanding balance on your mortgage.
The fee the lender charges you to borrow money for your mortgage, based on a percentage of the principal.
A lender’s conditional agreement to loan you a certain amount based on preliminary financial information.
The amount you borrow from the lender to buy a home. This is typically calculated by taking the home value, minus the down payment (initial upfront investment into the mortgage).
