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At Filo, you’ll get an easy and fast process, very low rates and low costs. Your loan experience starts amazing and stays amazing over the loan’s term. Maybe you want to close quickly on a dream home, or refinance a home to lower monthly payments or consolidate debt. We’re industry veterans who understand. Helping home buyers and owners finance with low hassle and high happiness is what we live and breathe. We’re all about benefiting more people by outworking our competitors and making less per loan.


Some lenders trumpet lower rates – then quietly slip in outrageous lender or third-party fees. Not here. We don’t charge lender fees, excluding any rate buy-down fees that you might request. And we have taken the sting out of third-party fees by pre-negotiating them down. You save money. We’re profitable too because we generate a healthy volume of loans this way. It’s a sound business model, and a win-win.


Our process is quick, transparent, and seamless. What does that mean? Well, we only request information from you that actually matters in making our credit decision. That’s big. So is our use of smart technology: The Filo customer portal allows you to apply online, see your loan status and zip over any requested documents. Start the Filo process and you can have money in hand in around 15 days. One more thing. You get a free, detailed housing valuation and written loan terms before you apply. There are no surprises, so the terms you get upfront are what apply at closing.