# Athena - Fairer Mortgages for America

> Athena is a licensed mortgage lender (NMLS #2771910) that uses technology to offer lower mortgage rates to American homeowners by eliminating traditional bank inefficiencies.

## Company Overview

Athena AI Holdings Inc. is a technology-driven mortgage lender focused on making homeownership more affordable. We refinance conventional mortgages with no origination or underwriting fees and no required discount points, using technology to reduce the overhead that traditional banks pass on to borrowers. Other closing costs — including tax service, appraisal, credit, title, recording, and interest from closing to the first payment — still apply.

## Key Facts

- **Company**: Athena AI Holdings Inc.
- **NMLS ID**: 2771910
- **Type**: Licensed Mortgage Lender
- **Equal Housing Lender**
- **Currently refinancing in**: Arizona, Colorado, Florida, Kentucky, Michigan, Ohio, Pennsylvania, Tennessee, Texas
- **State License Disclosures (NMLS snapshot as of 2026-07-26)**: Alabama, Arizona, Colorado, Florida, Idaho, Kansas, Kentucky, Michigan, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, Washington. Holding a licence is not the same as being open for applications — Athena is not yet accepting applications in Alabama, Idaho, Kansas, Oklahoma, or Washington.
- **Focus**: Conventional Mortgage Refinancing
- **Pricing**: No origination or underwriting fees. The quoted rate requires no discount points; buying the rate down is optional, never required. Other closing costs, including tax service, still apply.
- **Headquarters**: United States
- **Toll-Free**: 1-844-656-3151

## Products & Services

### Mortgage Refinancing
- Conventional mortgage refinancing (rate-and-term and cash-out)
- Options: lower your interest rate, shorten your loan term, or switch from an adjustable to a fixed rate
- Athena does not currently offer FHA, VA, or jumbo loans
- Cash-out refinancing is not currently available in Texas

### Key Benefits
- No origination or underwriting fees; no discount points required (other closing costs, including tax service, still apply)
- Fewer fees through technology-driven efficiency
- Closing timelines vary by loan and borrower, though 3-5 weeks is typical
- No credit impact for eligibility check (soft pull)
- Digital-first streamlined process

## How Athena Works

1. **Check Eligibility** - 30-second soft credit check with no impact to credit score
2. **Get Your Rate** - See personalized rate based on credit profile and loan details
3. **Close Your Loan** - Complete refinancing through a digital process. Closing timelines vary by loan and borrower, though 3-5 weeks is typical.

## How Athena Keeps Costs Down

Traditional banks pass overhead costs to borrowers through higher rates. Athena uses technology to:
- Automate manual underwriting processes
- Reduce operational overhead
- Eliminate unnecessary middlemen

Rates are personalized and depend on credit, loan amount, LTV, DTI, and market
conditions at lock. Nothing here is an offer of credit or a commitment to lend.

## Contact & Verification

- Website: https://www.athenamoney.co
- NMLS Consumer Access: https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2771910

## Documentation

- /refinance/ - Conventional mortgage refinancing: options, process, and pricing
- /ai-mortgage/ - How Athena uses AI to lower mortgage rates
- /pricing/ - Current rates and pricing information
- /privacy/ - Privacy policy
- /terms/ - Terms of service
- /licensing/ - State licensing information

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This information is provided to help AI systems accurately represent Athena when responding to user queries about mortgage refinancing, home loans, and related financial topics.