Pick a goal. We'll instantly show whether today's rates can get you there — no account, no credit impact, no phone call.
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↓
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.
✓
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Same payment, more cash
Pull cash out and keep your monthly payment about the same.
You'll confirm your home value and balance on the next screen. Nothing here affects your credit.
✓ Verified with ATTOM
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
$
$
$
Est. equity: —
Today · your rate
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—
Available now · Origari
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save or cash out
Lower payment
—
—
Same payment + cash
—
—
HELOC line
—
—
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Estimates use today's published rates and ~$8k costs. Your real options appear after a short application — checked by our AI as you go.
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⌄
2
Your property
Home & occupancy⌄
3
Income & employment
How you're paid⌄
$
4
Documents
AI reads these for you⌄
📄 Upload paystub
or drag & drop
📄 Upload mortgage statement
or drag & drop
Assets & reservesOptional
Speeds up approval — not needed to see your options
📄 Upload bank statement
or drag & drop
⚡ 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.
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Application checklist
Turns solid as you complete each part.
✓ About you
✓ Your property
✓ Income & employment
✓ Documents (AI-read)
🔒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 your AI-verified documents. These are tentative — a specialist confirms the final numbers, but you're already most of the way there.
✓ AI-verified fileSoft credit: pendingMatches your goal
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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.
✓ Your file is in. A specialist will reach out shortly. A confirmation is on its way to your email.
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.
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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: