Lower rates.
Less paperwork.
Real people.
Most lenders still process loans by hand. We don't — so you save ~0.5% and close in weeks, with a loan expert by your side.
Purchase Refinance Cash-Out Home Equity HELOC 
5.0 
$85B+ 
0.5% How does Chestnut work?
Instant access. Zero hold time.
See your personalized rates, apply, and track your loan — all online. No phone calls required.
AI that saves you money
Chestnut's AI handles the manual work that drives up costs at traditional lenders. Lower processing costs mean lower rates for you.
Talk to an (actual) human any time
Every borrower gets a dedicated loan expert available by text, email, or phone — not a call center.
What are you looking for?
Buy a Home
Flexible down payment options, underwritten pre-approvals, and an AI-powered process that helps you close on time.
Refinance
Lower your monthly payment or reduce your interest rate in record time.
HELOC, Cash-Out, and Home Equity
Turn your home equity into cash for renovations, debt payoff, or anything else. Compare cash-out, home equity, and HELOC options side by side.
Frequently asked questions
Ready to find
your best rate?
- 1 Answer a few quick questions
- 2 See all your loan options
- 3 Apply if you like what you see
No phone calls. No credit check. Takes 2 minutes.