Rates & pricing
Athena prices conventional mortgage refinancing with $0 lender fees and $0 discount points. We use technology to cut the overhead traditional banks build into your loan — and we don't add the friction fees that inflate your costs.
What you pay Athena
- $0 lender fees. No origination, processing, or underwriting fees from Athena.
- $0 discount points. We don't charge upfront points to buy down your rate.
Third-party fees — including title, appraisal, recording, and attorney fees — and prepaid items such as homeowners insurance, property taxes, and per-diem interest are not lender fees and may still apply. Your Loan Estimate shows the exact figures for your loan.
What affects your rate
Mortgage rates are personalized. Yours depends on your credit profile, loan amount, loan-to-value ratio, property type, occupancy, and loan term. Because of that, the most accurate way to see your rate is to check it directly.
See your personalized rate
Check your rate with a soft credit check that doesn't affect your score — no commitment, no hard inquiry until you choose to move forward. Ready to start? Explore refinancing with Athena.
Pricing FAQ
Does Athena charge lender fees or points?
No. Athena charges $0 lender fees and $0 discount points on conventional mortgage refinancing. Third-party fees — such as title, appraisal, and recording — and prepaid items like homeowners insurance and property taxes are not lender fees and may still apply.
What affects my interest rate?
Your rate depends on your credit profile, loan amount, loan-to-value ratio, property type, occupancy, and loan term. Because of that, your rate is personalized — see it after a soft credit check that doesn't affect your score.
What is a discount point?
A discount point is an upfront fee some lenders charge to lower your interest rate — typically 1% of the loan amount per point. Athena charges $0 discount points.
Will checking my rate affect my credit score?
No. Athena's rate check uses a soft credit pull, which does not affect your credit score. A hard inquiry only happens later if you choose to move forward with a full application.