Mortgage
reimagined.
Lower your rate, consolidate high-interest debt, or pull tax-advantaged equity. We shop 50+ lenders so your new payment works harder than your old one.
Instant Rate Estimator
Illustrative national averages as of Aug 6, 2026 (Freddie Mac Primary Mortgage Market Survey; other products estimated). Not a quote or commitment to lend - your rate depends on credit, loan amount, property type and other factors.
Built to make your payment smaller.
Lower your rate. Clear your debt.
Rate-and-term, cash-out, streamline, HELOC or debt consolidation - we model every scenario in plain English before you commit.
- Cash-out up to 80% LTV
- Consolidate high-interest debt
- No hidden fees, no credit hit
Close 30% faster with 8Twelve.
A dedicated partner portal, co-branded materials, and a TPO desk that responds in minutes - not days.
- Realtor + Builder programs
- White-glove support
- Real-time loan status
See how much you can save
Roll high-interest balances into your mortgage and compare it to what you pay today.
Illustrative estimate only. Principal & interest plus a typical revolving minimum on consolidated debt. Your actual rate and payment depend on credit, equity, and program.
A modern brokerage, run by humans.
Decisions in minutes
We shop your file across 50+ lenders in the background while you keep house-hunting.
Transparent by default
Every fee, every step, all in one dashboard. No surprises at signing.
Smart rate alerts
We watch the market 24/7 and tell you the moment to lock.
Rewrite the terms you already have.
Refinancing, cash-out, HELOCs and debt consolidation are what we do most - and we shop 50+ lenders to land a rate that actually fits your life. Buying instead? We do that too.
Lower your rate. Free up your cash.
Drop your monthly payment, consolidate high-interest debt, pull tax-advantaged equity, or shorten your term. We model every scenario in plain English before you commit.
- Cash-out up to 80% LTV
- Rate-and-term + streamline options
- Investment & second-home programs
Buying instead? We shop that too.
From first-time buyer to luxury jumbo, we structure financing up to 95%+ LTV with programs tailored to your goals - not the lender's quota.
- Rates from 50+ lenders, side-by-side
- No credit check approval in under 10 minutes
- FHA, VA, Conventional, Jumbo & DSCR
Frequently asked.
How fast can I get pre-approved for a mortgage?
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Most borrowers receive a pre-approval in under 10 minutes with no credit check at submission. A full underwritten approval typically takes 24–48 hours once income and asset documents are uploaded.
Does 8Twelve handle both home purchase and refinance loans?
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Yes. We offer purchase mortgages (FHA, VA, Conventional, Jumbo, DSCR) and refinance options including rate-and-term, cash-out, and streamline refinances across all 50 states where licensed.
How much can I borrow on a refinance?
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Conventional rate-and-term refinances typically allow up to 97% LTV, FHA up to 97.75%, VA up to 100%, and cash-out refinances up to 80% LTV depending on the loan program and your credit profile.
Are there any fees to apply or get a rate quote?
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No. Pre-approvals and rate quotes are free and never affect your credit score. You only pay standard closing costs if you choose to move forward and close your loan.
Ready to lower your payment?
A 3-minute refinance application gets you a real rate - with no hit to your credit.
