Philadelphia, Pennsylvania refinance
Athena is a licensed mortgage lender — not a traditional bank — refinancing conventional mortgages fully online. We're licensed in Pennsylvania, and you can verify our license anytime through NMLS Consumer Access or on our licensing page.
Refinance options
- Rate-and-term refinance — replace your current mortgage with a new rate, a new term, or both. Available in Pennsylvania.
- Cash-out refinance — turn part of the equity you've built into cash. It's a bigger loan on your home, so Athena shows you both sides of the math before you decide. Available in Pennsylvania.
How it works
- Check your options. Seeing them takes about 30 seconds and uses a soft credit inquiry — no impact to your credit score. A hard pull comes later, with a full application.
- See your numbers. Your options on screen, in plain figures, before you commit to anything.
- Close fully online. The whole process runs digitally, from application through closing.
No lender fees. Zero points required.*
*Buying your rate down with discount points is always optional, never required. Other closing costs still apply. — “No lender fees” means Athena charges no origination, application, processing, or underwriting fees. Third-party and prepaid costs — appraisal, credit, title, recording, and prepaid interest — still apply at every lender, and your Loan Estimate shows the actual figures for your loan.
Frequently asked questions
Is Athena licensed in Pennsylvania?
Yes — Athena (NMLS #2771910) is licensed in Pennsylvania. Our current state licenses are listed at athenamoney.co/licensing, and you can verify any lender's license directly at NMLS Consumer Access.
Does checking my options affect my credit?
No — seeing your options uses a soft credit inquiry, with no impact to your credit score. A hard pull happens later, with a full application.
What types of loans does Athena offer in Pennsylvania?
Conventional refinancing — rate-and-term, and cash-out where available. Athena doesn't offer purchase loans, FHA/VA/USDA loans, jumbo loans, HELOCs, or second mortgages.
What does refinancing cost with Athena?
Athena charges no lender fees and requires zero discount points. Third-party and prepaid closing costs — appraisal, credit, title, recording, prepaid interest — still apply, and your Loan Estimate shows the exact figures before you commit.
Is the process really online?
Yes — application through closing runs digitally. You'll see your numbers on screen at each decision point.
See your options in Pennsylvania.
It takes about 30 seconds, with no credit impact to look.
→ apply.athenamoney.co/introduction