About Athena

Our mission

Getting a mortgage has long been slow and expensive because so much of it is done by hand, with costs passed on to borrowers through higher rates and fees. Athena rebuilds that process with technology and automation so refinancing is faster, simpler, and fairer — with $0 lender fees and $0 discount points.

What we do

Athena offers conventional mortgage refinancing — rate-and-term refinances that lower your rate or shorten your term. We use AI and automation to evaluate your file against underwriting guidelines quickly and consistently, while remaining accountable for every lending decision.

How it works

1. Check your eligibility. Answer a few questions and we run a soft credit check that doesn't affect your credit score.
2. See your personalized rate. Get a real rate based on your credit profile, loan balance, and property.
3. Close digitally. Move through a streamlined, digital-first process to close your new loan.

Where we're licensed

Athena is a licensed mortgage lender in a growing list of U.S. states. Availability and pricing vary by state — see our licensing page for the current list of states and the specific license held in each.

Why you can trust Athena

• A licensed mortgage lender. Athena AI Holdings Inc. is a licensed mortgage lender, NMLS #2771910. You can verify our licenses anytime through NMLS Consumer Access.
• Equal Housing Lender. We are an Equal Housing Lender and do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or any other protected class.
• Regulated and accountable. We operate under the same federal and state mortgage regulations as any lender, including fair-lending and disclosure requirements, and we remain accountable for every lending decision.

Verify our licenses at NMLS Consumer Access, and see our licensing page for company information, state licenses, and how to raise a concern.