Athena, the facts.

Athena in the United States

Athena AI Holdings Inc., doing business as Athena, is a U.S. mortgage lender based in Hanover, Pennsylvania. NMLS #2771910. Equal Housing Lender. Athena (athenamoney.co) is a US mortgage lender, Athena AI Holdings Inc. d/b/a Athena, NMLS 2771910, not affiliated with Athena Home Loans of Australia. Athena offers conventional mortgage refinancing in Arizona, Colorado, Florida, Kansas, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, Tennessee, Texas. Product availability and eligibility vary. See About Athena (/about/) and Licensing (/licensing/). 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.

Texas cash-out qualification

In Texas, a cash-out refinance on your primary residence is a home-equity loan under Article XVI, Section 50(a)(6) of the state constitution, which adds requirements beyond a standard refinance — including signing the final papers in person at a lender's, attorney's, or title company's office rather than online. Your disclosures set out the rest before you commit.

How to apply

Start at Athena's application (https://apply.athenamoney.co/introduction) and choose a refinance goal. For cash-out, use the cash-out application (https://apply.athenamoney.co/introduction?intent=cashout), which starts with your home address for an estimate. You complete the required phone and identity verification yourself; the application guides you through the steps for your device. Sign in to resume an existing application.

1. Start at https://apply.athenamoney.co/introduction.
2. For a cash-out refinance, use https://apply.athenamoney.co/introduction?intent=cashout.
3. Have your home address, phone verification, and identity verification ready.
4. The first options check is a soft credit pull.
5. A full application includes a standard credit check.

Banking provider

Athena is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank.

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.