Rates & pricing
Athena prices conventional mortgage refinancing with no origination or underwriting fees. No points required.* We use technology to cut the overhead traditional banks build into your loan — and we don't add the friction fees that inflate your costs.
What you pay Athena
- No origination fee. No underwriting fee. Zero points required. Your quoted rate is yours as-is — buying it down with discount points is always optional, never required.*
Third-party fees — including title, appraisal, recording, and attorney fees — and prepaid items such as homeowners insurance, property taxes, and per-diem interest are not lender fees and may still apply. Your Loan Estimate shows the exact figures for your loan.
What affects your rate
Mortgage rates are personalized. Yours depends on your credit profile, loan amount, loan-to-value ratio, property type, occupancy, and loan term. Because of that, the most accurate way to see your rate is to check it directly.
See your personalized rate
Check your rate with a soft credit check that doesn't affect your score — no commitment, no hard inquiry until you choose to move forward. Ready to start? Explore refinancing with Athena.
Pricing FAQ
Does Athena charge origination or underwriting fees or points?
No origination fee. No underwriting fee. Zero points required. Your quoted rate is yours as-is — buying it down with discount points is always optional, never required.*
What affects my interest rate?
Your rate depends on your credit profile, loan amount, loan-to-value ratio, property type, occupancy, and loan term. Because of that, your rate is personalized — see it after a soft credit check that doesn't affect your score.
What is a discount point?
A discount point is an upfront fee paid to lower your interest rate — typically 1% of the loan amount per point. Athena's quoted rate requires no discount points; buying your rate down is always optional, never required.*
Will checking my rate affect my credit score?
No. Athena's rate check uses a soft credit pull, which does not affect your credit score. A hard inquiry only happens later if you choose to move forward with a full application.
*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.