Get Pre-Approved and Close in Weeks
Chestnut's AI cuts the manual work that makes mortgages expensive and slow. You get a lower rate, an underwritten pre-approval sellers take seriously, and a dedicated loan expert from first click to closing day.
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.
Find the right loan for your purchase
Different loan programs serve different needs. Your loan expert can help you compare these options side by side:
Conventional
The most common loan type. Typically requires at least 3% down and a 620+ credit score. Private mortgage insurance (PMI) applies below 20% down but can be removed later.
Best for:
- ✓Borrowers with good credit (700+)
- ✓5-20% down payment available
- ✓Primary residences, second homes, or investment properties
FHA
Backed by the Federal Housing Administration. Allows lower credit scores and smaller down payments, making homeownership more accessible for first-time buyers.
Best for:
- ✓First-time homebuyers
- ✓Credit scores in the 580-700 range
- ✓As little as 3.5% down
Jumbo
For loan amounts that exceed the conforming loan limit ($766,550 in most areas). Typically requires stronger credit and a larger down payment.
Best for:
- ✓Higher-priced properties
- ✓Strong credit profiles (700+)
- ✓10-20% down payment available
Do you qualify?
Most borrowers meet the requirements below. Your loan expert will review your full picture and walk you through any questions.
Minimum Requirements
- ✓ Credit score: 620 or higher (varies by loan type)
- ✓ Stable, verifiable income
- ✓ Acceptable debt-to-income ratio
- ✓ Property that meets standard underwriting guidelines
What Affects Your Rate
- ✓ Credit score
- ✓ Loan amount
- ✓ Property value and occupancy type
- ✓ Location (ZIP code)
Higher credit scores and stronger financial profiles may qualify for more competitive rates.
Today's Best Rate — Purchase
Based on a loan amount of $300,000, property value of $400,000, credit score of 740, and in 80104 zip code.
Homebuyer FAQ
Homebuyer Guides
5 Steps to Get Pre-Approved Fast
Documents, timeline, and what lenders actually check.
Closing Costs Explained
What you pay, who pays it, and how to pay less.
First-Time Buyer Guide
Down payments, credit scores, and the real cost of homeownership.
How Mortgage Rates Work
What drives rates and how to get the best one.
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.