Refinance your mortgage for a lower rate
Athena is a technology-driven mortgage lender offering refinancing with no origination or underwriting fees. No points required.* Check your rate in about 30 seconds with a soft credit check that won't affect your score.
Why refinance with Athena
Traditional banks build overhead into your rate. Athena automates the manual parts of underwriting and passes the savings to you as no origination or underwriting fees. No points required.* The result is lower rates and fewer fees, with a process designed to be fast and transparent.
Ways to refinance with Athena
- Lower-rate refinance. Refinance your conventional mortgage to a lower interest rate and reduce your monthly payment.
- Shorter-term refinance. Refinance your conventional mortgage to a shorter term to pay it off faster and save on total interest.
- Fixed-rate refinance. Refinance an adjustable-rate conventional mortgage into the stability of a fixed rate.
- Cash-out refinance. Refinance your conventional mortgage to access eligible home equity as cash.
Cash-out refinancing is not currently available in Texas.
How refinancing works
- Check your eligibility. Answer a few questions and we run a soft credit check — about 30 seconds, with no impact to your credit score.
- See your personalized rate. Get a real rate based on your credit profile, loan balance, and property — not a generic teaser number.
- Close digitally. Move through a streamlined, digital-first process.
Refinance by state
Athena is currently refinancing mortgages in the states below. Availability and pricing vary by state — see the licensing page for the license held in each.
Athena also holds mortgage licenses in the states below and is working to open them. We are not yet accepting applications there, and nothing on those pages is an offer of credit or a commitment to lend.
Refinancing FAQ
How does refinancing a mortgage work?
Refinancing replaces your existing mortgage with a new loan, ideally at a lower interest rate or a shorter term. You apply with your income, property, and credit details; the new loan pays off your old one; and you start making payments on the new loan. With Athena, you can check your eligibility in about 30 seconds with a soft credit check that does not affect your credit score.
How much can I save by refinancing with Athena?
Athena uses technology to cut the overhead that banks pass on to borrowers. Actual savings depend on your current rate, loan balance, credit profile, and term. Your personalized rate is shown after the soft-pull eligibility check.
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.*
Will checking my rate hurt my credit score?
No. Athena's eligibility check uses a soft credit pull, which does not affect your credit score. A hard credit inquiry only happens later if you choose to move forward with a full application.
Which mortgages does Athena refinance?
Athena refinances conventional mortgages, including rate-and-term and cash-out refinances. Eligibility depends on your credit, income, property, and the state you live in. Cash-out refinancing is not currently available in Texas.
How long does refinancing take?
Closing timelines vary by loan and borrower, though 3-5 weeks is typical. You'll receive regular updates throughout the process.
Which states does Athena lend in?
Athena is refinancing mortgages in 10 states today: Arizona, Colorado, Florida, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, Tennessee and Texas. We hold mortgage licenses in 15 states in total and are working to open the remaining five — Alabama, Idaho, Kansas, Oklahoma and Washington. See the licensing page for the license held in each state.
*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.