Rate Match Guarantee
Found a lower quote elsewhere? Show us the term sheet — we'll match it or credit you $1,000 at closing.
Covered in writing
Rated 4.9/5 by 2,300+ homeowners & investors
Making Home Ownership
Possible.
Whether it's your first key or your fifth door, Elevate Financial Group pairs you with a dedicated mortgage advisor, locks a competitive rate, and gets you to settlement — with zero surprises.
12k+
Families funded with $2.4B+ in home loans since 2012
Pre-Approved
$650,000
30-Yr Fixed Rate
4.99%APR*
▼ $214/mo less than last year
Keys handed over today 🎉
No hidden fees — ever
48-hr pre-approval
Rate match guarantee
600+ loan products
Underwritten by America's most trusted lenders
NORTHSTAR BANK
Meridian Trust
APEX MORTGAGE
coastline lending
BlueRidge CU
SOVEREIGN FIN.
NORTHSTAR BANK
Meridian Trust
APEX MORTGAGE
coastline lending
BlueRidge CU
SOVEREIGN FIN.
- $0B+
- In loans funded
- 0+
- Families & investors served
- 0/5
- Average client rating
- 0 days
- Average time to settlement
Why Elevate
A mortgage partner that actually works for you
Banks approve loans. We champion your goals. Every product, every rate, every conversation is built around one thing: your financial future.
48-Hour Pre-Approval
Upload documents digitally, get a decision in two business days, and shop with the confidence of a cash buyer.
Same-week answers
One Dedicated Advisor
No call centers, no hand-offs. The same licensed expert guides you from first application to final keys — and beyond.
A human, on your side
Zero Hidden Fees
Your Loan Estimate arrives on day one — itemized, plain English, and locked. If a fee surprises you, we cover it.
Radical transparency
Self-Employed? Covered.
Bank-statement, DSCR, and 1099-friendly programs that see your real income — not just your tax returns.
Specialist underwriting
24/7 Digital Dashboard
Track conditions, uploads, and appraisal status in real time. Your loan's heartbeat, always one tap away.
Real-time status
Loan Solutions
One group. Every path to your door.
First key, fifth door, or first rental — explore the program built for your chapter.
Your first home, minus the guesswork.
Down payment as low as 3%, first-time buyer grants up to $15,000, and an advisor who explains every form in plain English. We've walked 8,400+ first-timers through the door.
3% down programs — FHA, VA, USDA & conventional options
Grant & DPA matching — we find money you didn't know existed
Credit coaching — free 90-day plan if your score needs a boost
Gift funds welcome — family contributions structured properly, first time
Median first loan
$312,000
Avg. grant used
$11,400
Turn your equity into monthly freedom.
Rates dropped? Debt stacking up? Refinance to slash your payment, pull cash for renovations, or consolidate at half the interest — with a break-even analysis we show you before you sign.
Rate-and-term refi — save an average of $284/mo per client
Cash-out up to 90% LTV — for renovations, education, or investments
Debt consolidation — merge credit cards & loans into one lower payment
90-day rate lock — free, and transferable if your build slips
Avg. monthly saving
−$284
Avg. cash pulled
$68,000
Scale your portfolio, without the paperwork drag.
DSCR loans that qualify on rental income alone. Portfolio lenders who understand seasoned investors. Closings in 21 days that keep your deals — and your momentum — alive.
DSCR / no tax returns — underwrite on rent, not W-2s
Up to 85% LTV — including short-term rental (Airbnb) income
Unlimited financed properties — no 10-door cap
Fix-and-flip lines — draw funds in 48 hours per project
Portfolio funded
$540M+
Avg. close speed
21 days
Why families choose Elevate
Know your numbers before you shop
Most buyers fall in love with a house before they know what they can afford. Flip it. Run the numbers first — then walk into every open home with a pre-approval in your pocket and a ceiling you control.
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Borrow with confidence
A pre-approval letter makes your offer 3× more likely to win — and tells sellers you're serious.
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Save thousands over the life of your loan
A 0.5% rate difference on a $400k loan is worth ~$42,000 over 30 years. We shop 600+ products for you.
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Protected at every step
Licensed advisors, fiduciary-style guidance, and a fee guarantee that puts your interests first — in writing.
Talk to an advisor
Free consultation · No obligation
Cancel anytime
Payment Estimator
60-sec estimate
$550,000
$150k$1.5M
20%
3% min50%
Loan term
Est. monthly payment
$3,290
Principal & interest at 5.84% APR
Loan amount
$440,000
Estimate only — excludes taxes, insurance & PMI. Your advisor will prepare a personalized Loan Estimate at no cost.
Lock This Estimate — FreeThe Elevate journey
1 · Apply online
5 minutes, no credit impact. Just the basics plus your goals.
2 · Get pre-approved
A decision in 48 hours with your rate locked and letter in hand.
3 · Shop & offer
Tour with confidence. We'll re-run numbers for any house you love.
4 · Close & celebrate
Average 21 days to keys. We'll be at the table cheering loudest.
Client stories
Keys in hand, stress behind them
4.9/5 from 2,300+ verified reviews
"We'd been renting for nine years, convinced we'd never own. Elevate found us a $15,000 grant we didn't know existed, fixed our credit plan, and handed us the keys in 34 days. I cried in the driveway. Worth every second."
Maya & Jordan Reyes
First-home buyers · Austin, TX
"Refinanced from 7.1% to 5.4% and pulled $40k for our kitchen. Advisor answered texts at 9pm on a Sunday. Unreal service."
Derek Tran
Refinance · Seattle, WA
"Three rental properties financed in 14 months. The DSCR team actually understands investors — closings faster than my contractor finishes punch lists."
Amara Osei
Investor · Phoenix, AZ
"Self-employed, two LLCs, and a credit file that scared other lenders away. Elevate saw the real picture and got us approved at a great rate."
Nina Petrova
Self-employed · Denver, CO
"We compared five lenders. Elevate was the only one that showed us the full fee sheet before we asked — and still beat everyone's rate."
Priya & Ben Hall
Homeowners · Chicago, IL
"Cash-out refi funded our solar array and EV charger — payment went up $90, energy bill went down $260. Best trade I've ever made."
Marcus Chen
Cash-out refi · San Diego, CA
Programs & rates
Simple pricing. Serious rates.
No tiers of mystery. Pick the path that fits your goals — every program includes our Rate Match Guarantee.
First Home
For first-time buyers ready to stop renting.
5.99% APR*
from · 30-yr fixed · 3% down
- $0 lender fees
- Grants & DPA up to $15,000
- FHA · VA · USDA · Conventional
- Free credit coaching plan
Most popular
Smart Refinance
For homeowners cashing in on lower rates.
5.49% APR*
▼ avg. $284 saved per month
- 18-month break-even guarantee
- Cash-out up to 90% LTV
- Free 90-day rate lock
- Debt consolidation option
Investor
For portfolio builders and fix-and-flippers.
6.49% APR*
from · DSCR · no tax returns
- Underwrite on rental income
- Up to 85% LTV incl. short-term rental
- No limit on financed doors
- 48-hr draw on flip lines
*APR shown as of February 2026 for illustrative purposes. Actual rates depend on credit profile, loan-to-value, occupancy, and market conditions. Rates subject to change daily and may include discount points. NMLS #2145893.
Questions, answered
Everything you're wondering
Most programs start at 620 FICO, and FHA loans can go as low as 580 with 10% down. Don't stress if you're close — we'll run a free credit review and give you a 90-day action plan to boost your score before you apply.
As little as 3% down with conventional programs, and 0% for qualified VA and USDA borrowers. Many first-time buyers also qualify for grants and down-payment assistance up to $15,000 — our advisors find every dollar you're owed.
Most clients receive their pre-approval within 48 hours of uploading documents. It's valid for 90 days — and if rates move in your favor while you shop, we'll re-lock at the better number for free.
Typically 2–5% of the loan amount, covering appraisal, title, and lender fees. The catch: some lenders hide them until the final hour. We hand you an itemized Loan Estimate on day one — and our Zero Hidden Fees guarantee means if anything surprises you, we cover it.
If you can lower your rate by 0.5%+, drop PMI, or pull equity at a lower cost than a HELOC — it's worth a look. We run a free break-even analysis and show you the math in black and white. If it doesn't pay off in 18 months, we'll tell you straight.
Absolutely. We offer bank-statement, 1099, and DSCR programs that qualify you on real cash flow instead of tax returns. Two years in business is the typical bar — but our underwriters are specialists, and exceptions happen.
Our initial rate check and pre-qualification use a soft credit pull — zero impact on your score. A hard pull happens only when you're ready to move forward, and multiple mortgage inquiries within 45 days count as one for scoring purposes.
Still curious? Ask an advisor anything — no scripts, no pressure.
Free · 5 minutes · No credit impact
Your keys are closer than you think.
Tell us where you're headed. A licensed advisor will call within one business hour with your personalized rate, payment, and next steps.
Response within 1 business hour
Personalized rates from 600+ lenders
Zero obligation — no pressure, ever
Prefer to talk?(800) 555-0147
Mon–Sat · 8am–8pm ET
Also available on WhatsApp
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Prefer to talk now? (800) 555-0147