Step 1 · 30 seconds

What would you like your home to do for you?

Pick a goal. We'll instantly show whether today's rates can get you there — no account, no credit impact, no phone call.

✓

↓

Lower my payment

Refinance to today's rate and cut your monthly bill.

✓

$

Take cash out

Tap your equity for renovations, debt, or reserves — keep a comfortable payment.

✓

≈

Same payment, more cash

Pull cash out and keep your monthly payment about the same.

Your home address *

Your name — so we can match your property

We'll pre-fill your home value and details so you don't have to look them up. Nothing here affects your credit.

Step 2 · Instant estimate

You could pull $— and keep about the same payment.

Adjust anything below — the numbers update live from today's rates. Estimates only; nothing is locked and there's no impact to your credit.

🔒 Soft credit check · no impact to your scoreNo bank linking required to apply

Your loan today

Estimated home value

$

Mortgage balance

$

Current rate

Years left on mortgage

Current payment · P&I — optional

$

Est. equity: —

Today · your rate

—

Lowest available today

—

30-yr fixed · as low as

Lower payment

—

Same payment + cash

—

HELOC line

—

ℹ

Shows the lowest available 30-yr fixed for a well-qualified borrower in your state. Your exact rate is confirmed after a quick soft credit check. Estimates include ~$8k costs.

Step 3 · Your application

Fill it in once. We'll check it as you go.

Each section turns green when it's complete, and our AI verifies your answers and reads your documents automatically — so there are no surprises later.

1

About you

Identity⌄

Full legal name *

Date of birth

Email *

Mobile

2

Your property

Home & occupancy⌄

Property address

Property type

How do you use it?

3

Income & employment

How you're paid⌄

Employer

Annual income

$

4

Documents

AI reads these for you⌄

📄 Upload paystub

PDF, JPG or PNG

📄 Upload mortgage statement

PDF, JPG or PNG

Assets & reserves Optional

Speeds up approval — not needed to see your options

📄 Upload bank statement

PDF, JPG or PNG

⚡ Verify instantly with your bank

optional · read-only · via Plaid

Prefer not to link a bank? No problem — a statement upload works exactly the same.

By linking an account you authorize access via Plaid; your data is handled as described in our Privacy Policy and the Plaid End User Privacy Policy.

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Application checklist

Turns solid as you complete each part.

✓ About you
✓ Your property
✓ Income & employment
✓ Documents (AI-read)

I authorize Origari to obtain a soft credit check to estimate my options. I understand this is a soft inquiry that won't affect my credit score.

🔒Unlocks when all four sections are green and you authorize the soft check.

✨

AI concierge checks each answer against your documents in real time and flags anything that doesn't match — before it ever reaches a human.

Step 4 · Tentative options

Here's what you likely qualify for today.

Based on what you entered and the documents you shared. These are tentative — a specialist reviews your documents and confirms the final numbers, but you're already most of the way there.

Documents receivedSoft credit: pendingMatches your goal

ℹ

Tentative and subject to full verification and lender approval. Not a commitment to lend. Continuing simply hands your file to your Origari specialist to finalize.

By submitting, you agree to our Privacy Policy and consent to the collection and use of your information — including obtaining a credit report and verifying accounts via Plaid — as described there.

Step 5 · You're done

That's it — you did the whole thing yourself.

Your application is complete and AI-verified. From here, human involvement is minimal — just a quick confirmation before it goes to the lender.

What happens now

AI pre-checked your file ✓
Identity, property, income and documents cross-verified — completed just now.
Origari specialist confirms
One short call to review your option and answer questions. Typically within 1 business day.
Sent to lender for approval
We package everything and submit. You'll be able to track status in your portal.

⏱

Nothing else is required from you to reach this point. Watch for a text and email from Origari.

Have a question sooner?

Your specialist has everything they need already — this is just a confirmation, not more paperwork. If you'd like to reach out first:

Email hello@origari.com

🤝

Minimal-human by design: our team's first touch is a confirmation, because your AI-verified file already tells the whole story.

What would you like your home to do for you?

Lower my payment

Take cash out

Same payment, more cash

You could pull $— and keep about the same payment.

Your loan today

Fill it in once. We'll check it as you go.

About you

Your property

Income & employment

Documents

Application checklist

Here's what you likely qualify for today.

That's it — you did the whole thing yourself.

What happens now

AI pre-checked your file ✓

Origari specialist confirms

Sent to lender for approval

Have a question sooner?