Buy for Less with Orchard Mortgage

*How it works

Orchard’s Discounted Rate

When you use Orchard Mortgage to purchase an Orchard Brokerage listing, you will receive a rate pricing adjustment up to 0.5% for a conventional loan or 0.75% for a jumbo loan.

Here's a scenario of what that could look like, saving you $60,000:

Orchard Mortgage lowers your mortgage rate by -0.5%
Your new mortgage rate is now 6.75% (APR 6.92%)
Going forward, you save $169 each month on your mortgage payment***
And over $60,000 on the lifetime of your loan

** Example rate as of 2/29/2024
*** Savings information does not include applicable taxes, insurance, or fees.

What Orchard Mortgage customers have to say

“Super helpful, professional and willing to go the extra mile to close my loan. Our loan officer and his team made the process seamless and stress-free. Thank you for helping me out with my loan.”

Chris
Bought in Paso Robles, CA

“This was our first home purchasing experience and we didn't know what to expect, but our loan officer was outstanding explaining how the process works, what to anticipate, and was extremely transparent. Even our realtor and title company were blown away at the speed of their communication.”

Kristian & Jessica B.
Bought in San Antonio, TX

“My loan officer was very easy to work with. He went over every detail and made the options very clear. I will recommend him to family and friends and contact him in the future if the need arises.”

CP Stevenson
Bought in Santa Fe, NM

Frequently Asked Questions

What is Orchard Mortgage?

Orchard Mortgage is a new type of mortgage lender that aims to make the process of funding your new home purchase as clear, simple, and stress-free as possible. Our team understands the path to homeownership is not always direct, which is why we offer a range of financial products to meet your unique situation.

At Orchard Mortgage, we close 98% of our mortgages on time, with the average mortgage clear-to-close 7 days before its closing date.

Who can work with Orchard Mortgage?

Orchard Mortgage is licensed in 25 states across the country. If you are looking to purchase a home in any of the following states, we can help you:

Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Minnesota, North Carolina, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington

What types of loan products does Orchard Mortgage offer?

Your Orchard Mortgage Loan Officer will customize loan options to fit your individual circumstances, whether you need a conventional loan, jumbo, FHA, VA, or other unique offering. Plus, through our affiliate, Orchard Insurance, you can search for a competitive rate among 25+ insurance providers.

What can I expect when I speak with an Orchard Mortgage Loan Officer?

At Orchard Mortgage, we believe that knowledge is power. We want to make sure you feel equipped with the information you need to make an informed decision regarding one of life’s biggest financial milestones.

When you schedule a consultation with our team, you’ll meet with a licensed Orchard Mortgage Loan Officer, who will walk you through a personalized financial assessment so you know exactly how much home you can afford. As part of this assessment, your loan officer will review loan programs, down payment options, and rate options tailored to your financial situation. Come with your questions! Our goal is for you to feel confident and clear on your path to homeownership.

Get a lower mortgage rate when you buy from Orchard

How to get started