Athena, the facts.

Entity

Athena AI Holdings Inc., doing business as Athena. NMLS #2771910. Equal Housing Lender. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2771910.

Product

conventional mortgage refinancing, rate-and-term and cash-out. Not offered: purchase mortgages, FHA, VA, USDA, jumbo, HELOC, second mortgages, ARMs, interest-only.

Fees

No lender fees. Zero points required.*

*Athena charges no origination, application, processing, underwriting, or rate-lock fee. The rate we quote requires no discount points; you may choose to buy your rate down for an additional charge. You'll still pay third-party and prepaid closing costs — appraisal, credit, title, recording, and interest from closing to your first payment. Your rate depends on credit, loan amount, LTV, DTI, and market conditions at lock.

Credit

A soft credit pull to check rates and terms will not affect your credit score; continuing the application means a full credit report is requested from one or more consumer reporting agencies, which is a hard pull and may affect your credit.

Timing

Check your options in about 30 seconds.

Where we lend

Licensed states are listed on our licensing page.

Rates

Current rates are on our pricing page.

Contact

Closing timelines

Closing timelines vary by loan and borrower. You'll receive regular updates throughout the process.