Fill out your application in as few as 30 minutes and Eave will assess it within one business day. Once completed and approved, we can get you to the closing table in 21 days or fewer. Our process requires less paperwork and less hassle, and we’ll clearly explain what’s happening at every step.
For buyers with exceptionally strong finances, we offer a "High Certainty" program. If you qualify, and should you choose to waive certain contingencies on your offer, Eave will lend it’s full support. We always recommend talking with your realtor or lawyer before waiving any contingencies.
At Eave, we want your homebuying experience to be joyful at every step. That’s why we provide personalized concierge service to respond to your needs. Simply call, text or email your licensed expert, and they’ll have honest and transparent advice at the ready.
At Eave, our mission is to make the lending process honest, transparent and in your best interest. We’re so confident in our system that we promise if you don't close on time and the fault is ours, we'll reimburse up to $100,000 of your lost earnest money.
We care about protecting your sensitive financial information. We offer top level security, and protect your data like it's our own.
With some of the lowest rates in the industry, private client pricing, zero lender fees, and protected earnest money, Eave's mortgages are hard to beat. At Eave, we prize transparency. We don't add fees or change rates on you at the last minute.
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* This estimate is for informational purposes only. Products, rates and terms are subject to change without notice. It is not a commitment to lend. To apply for a loan, you’ll need to submit a complete application and provide additional information. Final approval of your loan is based on verification of your application and all documentation submitted and meeting the necessary underwriting criteria and property approval. The estimates for fees and other charges are not intended to be accurate until you have chosen a property and settlement service providers. All rates and fees are estimates until you have received an approval, a loan product has been selected, and rate has been locked upon selection of an acceptable property. Your final rate, loan product, and terms may be different. Normal credit qualifications and other terms and conditions apply. Not all applicants will qualify. Estimated payment does not include taxes and insurance premiums. The actual payment amount will be greater.
The interest rates shown above assume you will have an escrow account. In California only: If you wish to opt out of having an escrow account, please notify your loan officer. Please note that your interest rate may increase if you opt out.
Interest rates are estimates. Your final rate, loan product, and terms may be different. Normal credit qualifications and other terms and conditions apply. Products, rates, and terms are subject to change unless the loan product has been selected and the interest rate has been locked. The term for all loan products is 30 years. ARM products have an index of 1-Year LIBOR, a margin of 2.250% and a cap of 2.000%.
** ARM DISCLOSURE: With an adjustable rate mortgage (ARM), your loan will have an initial fixed-rate period. After the fixed-rate period, your interest rate will adjust up or down according to market rates at the time of reset. 1-Year LIBOR Index used for all ARM Products. Lifetime Rate Cap = 5%. Yearly adjustment Cap = 2%. First Adjustment Rate Cap = 2%. ARM Margin = 2.250% After the initial 5/7 years, your principal and interest payment will change based the fully indexed rate applicable at the time (Index plus the margin, not to exceed the rate cape). Your payment can be changed based on this formula once a year for the remaining 25/23 years of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.