Low Rates.
Fast Closings.
Better Service.

We offer customers a super low mortgage rate with no points and no lender fees.

Today’s Rates

15-Year Fixed Rates

Low Rates.
Fast Closings.
Better Service.

We offer customers a super low mortgage rate with no points and no lender fees.

Today’s Rates

15-Year Fixed Rates

15-Year Fixed Rates

Low Rates.
Fast Closings.
Better Service.

We offer customers a super low mortgage rate with no points and no lender fees.

Why Choose Filo Mortgage?

At Filo Mortgage, we are dedicated to providing you the lowest possible rate with an industry-leading, first-class experience by leveraging next-level technology and a transparent application process.

Why Choose Filo Mortgage?

At Filo Mortgage, we are dedicated to providing you the lowest possible rate with an industry-leading, first-class experience by leveraging next-level technology and a transparent application process.

Amazingly Low Rates

Filo Mortgage is proud to offer amazingly low rates to those looking to refinance or purchase a home. We understand that the interest rate on a mortgage can make the difference between your ability to afford a home or not. We also understand the impact a low rate can have on future interest charges.

We leverage digital technology to keep our expenses low which enables us to offer you some of the lowest rates in the industry. Additionally, you can count on Filo Mortgage for full transparency. Our loans have no points or lender fees. We can also close most loans in less than two weeks. Get ready for a whole new mortgage experience.

20-YR Fixed

  • 3.109%
  • 3.109% APR
  • Lender Fees – $0
  • Points – $0

30-YR Fixed

  • 3.195%
  • 3.195% APR
  • Lender Fees – $0
  • Points – $0

15-YR Fixed

  • 2.876%
  • 2.876% APR
  • Lender Fees – $0
  • Points – $0

The payment on a $300,000 20-year Fixed-Rate Loan at 3.109% and 60% loan-to-value (LTV) with 0 points due at closing is $1,687. The Annual Percentage Rate (APR) is 3.109%. Payment does not include taxes and insurance premiums. The actual payment amount may be greater. Some state and county maximum loan amount restrictions may apply.  We don’t yet have your complete financial picture.  Your actual rate and payment could be higher. Get an official Loan Estimate before choosing a loan.  Loan approval is subject to underwriter review: not everyone who applies will be approved.  These rates are current as of 2/21/2020

The Best Loan Experience You’ll Ever Have

Forget everything you know about the mortgage process from other companies.  Our seamless, transparent process is lightning fast with the visibility throughout the entire cycle to track the exact status of your loan while we work to close your loan.

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The average number of DAYS to get a loan commitment from Filo Mortgage.
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Our average number of DAYS it takes to close your loan.
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The average number of MINUTES it takes to complete a loan application.

What our customers are saying!

Don’t take our word for it.  Here are some reviews from our most satisfied customers.

Lori W.

New Home Purchase

“I researched many lenders online and Filo Mortgage offered the lowest rate with no added points.  They also allow you to waive your escrows at no additional fee.  The entire transaction from completing the application to signing documents happens online making it a much easier process.  I highly recommend Filo Mortgage to my friends and family.”

Josh F.

Refinance

“Filo Mortgage provided an insanely low rate.  It almost sounded too good to be true up front but the rates offered were below everyone else and were still honest and straight forward.  I saved thousands of dollars by choosing to working with Filo.”

Joseph N

Refinance

“The process was so fast and the portal was easy to work with.  Being able to review my status and upload documents was incredible, but the representatives at Filo Mortgage kept me in the loop the entire time.  This was by far the best experience I’ve ever had.”

What our customers are saying!

Don’t take our word for it.  Here are some reviews from our most satisfied customers.

Lori W.

Refinance

“After many refinances over the years, I have seen all of the promises from mortgage companies. None of those promises ever came true until I came across Filo Mortgage. Jeff was up front with everything provided from our first conversation up to our closing. I was amazed at how quickly we closed and how everything told up front was exactly as it at our loan closing.”

Josh F.

Refinance

“Filo Mortgage provided an insanely low rate.  It almost sounded too good to be true up front but the rates offered were below everyone else and were still honest and straight forward.  I saved thousands of dollars by choosing to working with Filo.”

Joseph N

Refinance

“The process was so fast and the portal was easy to work with.  Being able to review my status and upload documents was incredible, but the representatives at Filo Mortgage kept me in the loop the entire time.  This was by far the best experience I’ve ever had.”

What our customers are saying!

Don’t take our word for it.  Here are some reviews from our most satisfied customers.

Lori W.

Refinance

“After many refinances over the years, I have seen all of the promises from mortgage companies. None of those promises ever came true until I came across Filo Mortgage. Jeff was up front with everything provided from our first conversation up to our closing. I was amazed at how quickly we closed and how everything told up front was exactly as it at our loan closing.”

Josh F.

Refinance

“Filo Mortgage provided an insanely low rate.  It almost sounded too good to be true up front but the rates offered were below everyone else and were still honest and straight forward.  I saved thousands of dollars by choosing to working with Filo.”

Joseph N

Refinance

“The process was so fast and the portal was easy to work with.  Being able to review my status and upload documents was incredible, but the representatives at Filo Mortgage kept me in the loop the entire time.  This was by far the best experience I’ve ever had.”

How do I get started?

Contact us today to get a custom rate quote in less than 5 minutes.

How do I get started?

Contact us today to get a custom rate quote or to get pre-approved for a mortgage or to refinance in less than 20 minutes.