About Athena
Athena (Athena AI Holdings Inc., NMLS #2771910) is a licensed, technology-driven mortgage lender. We refinance conventional mortgages with no origination or underwriting fees. No points required.* We use technology to cut the overhead that traditional banks pass on to borrowers, and pass the savings to homeowners.
Our mission
Getting a mortgage has long been slow and expensive because so much of it is done by hand, with costs passed on to borrowers through higher rates and fees. Athena rebuilds that process with technology and automation so refinancing is faster, simpler, and fairer.
What we do
Athena offers conventional mortgage refinancing — including rate-and-term and cash-out refinances. We use AI and automation to evaluate your file against underwriting guidelines quickly and consistently, while remaining accountable for every lending decision.
How it works
- Check your eligibility. Answer a few questions and we run a soft credit check that doesn't affect your credit score.
- See your personalized rate. Get a real rate based on your credit profile, loan balance, and property.
- Close digitally. Move through a streamlined, digital-first process to close your new loan.
Where we're licensed
Athena is a licensed mortgage lender in a growing list of U.S. states. Availability and pricing vary by state — see our licensing page for the current list of states and the specific license held in each.
Why you can trust Athena
- A licensed mortgage lender. Athena AI Holdings Inc. is a licensed mortgage lender, NMLS #2771910. You can verify our licenses anytime through NMLS Consumer Access.
- Equal Housing Lender. Athena AI Holdings Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, age, disability, because all or part of an applicant's income derives from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
- Regulated and accountable. We operate under the same federal and state mortgage regulations as any lender, including fair-lending and disclosure requirements, and we remain accountable for every lending decision.
Verify our licenses at NMLS Consumer Access, and see our licensing page for company information, state licenses, and how to raise a concern.
*Athena charges no origination or underwriting fee. The rate we quote requires no discount points; you may choose to buy your rate down for an additional charge. You'll still pay other closing costs — including tax service, appraisal, credit, title, recording, and interest from closing to your first payment. Your rate depends on credit, loan amount, LTV, DTI, and market conditions at lock.