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Convert leads into clients.
Altgage is your mortgage copilot. Close more, faster.
Mortgage AI for real-estate agents
Lending Help 24 x 7
- Understand your clients buying power
- Provide access to market low rates
- Pre-qualify instantly
- Available 24x7
The best tools
The best tools
The best tools
The best tools
Prequalify homebuyers in 60 seconds
Ready. Set. Shop
Soft credit check
Understand liabilities and VantageScore 3.0 without any impact to credit score
Maximize homebuying power
Simulate debt payoff to improve debt-to-income ratios and achieve the full potential of your homebuying dreams
Upgrade to underwritten pre-approvals
Submit income and asset documents for verification and upgrade to an underwritten pre-approval.
Find down payment assistance for most
Give the gift of grants
- Income-based programs
- For 1st and 2nd time homebuyers
- Lender paid temporary 2-1 buydowns
Send detailed mortgage quotes anytime
Show great rates
- Be a trusted advisor
- Estimate PMI, taxes and insurance
- Analyze and optimize loan scenarios
Send a quote in seconds
Share today's rates and a detailed closing cost breakdown
Smart rate options
See the par rate with no discount points, or discover even lower rates on sale. Choose the best mortgage deal for your home!
Low PMI is your friend
Help your buyers pay industry-low private mortgage insurance (PMI). Accelerate homeownership dreams without waiting to save up 20%
No hidden fees
Transparent broker fees translate to lower rates. Altgage APRs are lower than a majority of retail lenders and independent brokers
Realtors really love us!
It’s a competitive and difficult market for homebuyers. Rates are high and the amount of information available is overwhelming. Altgage provides synthesized recommendations from trustworthy sources in a no-pressure setting. Partner with Altgage to give your homebuyers and edge.
With Altgage's low rates, I was able to put my client in their dream home that was $50K more while keeping their payment the same. They consistently close deals in 15 days which is a real advantage in competitive offer situations and for clients looking to move fast.
Frequently asked questions
You’ve got questions, we’ve got answers
What should I expect from Altgage as a mortgage partner for my clients?
Communication: We are responsive and transparent, with timely updates
Knowledge:Our team is built different with advanced degrees and a curiosity that's never satisfied. We're knowledgeable about the housing market and offer customized guidance on financing for each client.
Trust: we're trusted by our real estate partners and their millions of followers.
Support: Expect us to proactively engage with you and your clients, but also agents on the other time, title and insurance brokers.
What are the benefits of partnering with Altgage?
Better rates and bigger budgets for your clients: Altgage optimizes rates so you can get your clients into their dream home. We are on avg. 0.5% lower than the market.
Marketing support and referrals: A strong partnership can lead to more referrals and help grow your business
Increased speed: Our turn times are 1 day for a pre-approval and 15 days to close. That's a winning combination
What is retirement portfolio coordination?
The main objective of a coordinated withdrawal strategy is to safeguard and nurture portfolio growth. The core of portfolio coordination is a buffer asset i.e. the reverse mortgage to deviate from fixed annual withdrawals. Instead, retirees dynamically respond to changing market conditions.
- In prosperous market periods, the subsequent year’s withdrawal originates from the investment portfolio.
- During market downturns, the annual withdrawal is momentarily deferred, and the necessary funds are sourced from a designated buffer asset.
The HECM reverse mortgage is a tax efficient buffer asset because proceeds are not taxed as income. Also, the absence of mandatory monthly repayments transforms the reverse mortgage into a cashflow-positive tool, during challenging economic periods.
What are some alternatives to a HECM reverse mortgage?
A HECM isn't the right choice in all financial situations. You should work with a fiduciary advisor to plan your financial future. Some options may include
- Downsize and move: Consider selling your larger or more expensive current home and using the proceeds to move somewhere more affordable.
- Refinance or Cash-out: If your income from Social Security or a pension fund is sufficient, you might consider a traditional home refinance. Reverse mortgages typically do not reflect a home’s fair market value,” because of the potential decline in value and transaction costs of a future sale.
- Open a line of credit: “Optimize your home’s value by locking in a rate for five to seven years,” An interest-only home-equity loan will enable homeowners to borrow money, repay it, and borrow again as needed during their draw period.
Partner with us.