Special access for
ERRG
employees

Homeownership benefit

Access mortgage rates up to 1% below top retail lenders* plus 1:1 guidance from expert advisors to help you navigate every step.

We work with hundreds of thousands of employees, just like you.
  • Discounted Rates
    Up to 1% below top retail lenders*
    Track your Refi Readiness
    We’ll alert you when it’s time to save
    Personalized Guidance
    A real advisor, not a chatbot
Get started
  • Lower Rates
    Up to 1% below top retail lenders*
    Track your Refi Readiness
    We’ll alert you when it’s time to save
    Personalized Guidance
    A real advisor, not a chatbot
WHY MULTIPLY MORTGAGE?

A better mortgage experience

Lower Rates
Your
ERRG
benefit unlocks rates up to 1% below top retail lenders.* Better rates mean lower monthly payments and more money back in your pocket over time.
Track your
Refi Readiness

Already own a home? Our refi monitor watches rates for you and alerts you when it makes sense to refinance. No guesswork needed.

Personalized Guidance

Work 1:1 with an experienced loan advisor who knows your situation. Not a chatbot, not a call center. Real help from a real person.

WHAT MEMBERS SAY

Real results from real members

I’ve already recommended Multiply to colleagues. I talked to four different lenders and at the end of the process, there was a clear winner—it wasn’t even close. Unless there’s another mortgage benefit provider out there (which I don’t think there is), save yourself the hassle. Just go with Multiply from the start and get the best price on your first try.

Alex W.

I am VERY excited to report, I closed on my new home Monday October 7th. Their [Multiply Mortgage’s] rate in Indiana was almost 2% lower than everyone else, and the process was so easy. I had my conditional approval in less than 1 week…they were so helpful and answered all my questions. They took the time to make sure I understood everything that was happening.

Michelle L.

I didn’t want to spend hours on applications like I did with other lenders. Multiply [Mortgage]’s platform was seamless. They even helped us close early and gave us money back. It just made sense financially.

Leeana N.
Make smarter decisions

All the tools you need, in one place

Have an offer already?

Upload your loan estimate or rate quote and get an instant AI analysis based on your rates, fees and terms.
Use Rate IQ

Mortgage Calculator

Get an estimate of your monthly payments

Enter your company email

By proceeding, you agree to Multiply Mortgage’s terms of service, electronic communications consent, and privacy policy.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Get started
FOR EVERY STAGE OF HOMEOWNERSHIP

What can we help you with?

Whether you're buying your first home, looking to refinance, or tapping into your equity, your
ERRG
benefit gives you preferred access. Use tools like our Refi Monitor and Quick Rate Quote to stay ahead.

Buy a home

First home or next home. Get pre-approved with preferred rates and guidance from an experienced advisor.

Get pre-approved

Refinance

Lower your rate or shorten your term. See what you could save with your member-only pricing.

See what you could save

Access equity

Tap into your home's value for renovations, debt consolidation, or investments.

Learn more

Find the best mortgage for you

We have many mortgage structures to fit your financial needs, some of our most common options include:

30-Year Fixed

Most popular option with predictable payments

Learn more

30-year Fixed Mortgage

A 30-year fixed mortgage offers a stable interest rate and consistent monthly payments over the life of the loan. Your principal and interest payments remain the same for the full 30 years, regardless of market fluctuations.
Got it
15-Year Fixed

Pay off your home faster with lower total interest

Learn more

15-year Fixed Mortgage

A home loan paid off over 15 years with a fixed interest rate. The rate and monthly payment remain the same, but payments are higher than a 30-year loan since you pay it off faster.
Got it
Adjustable-Rate Mortgage

These loans start with a fixed interest rate for a set period, then adjust semiannually

Learn more

Adjustable-Rate Mortgage

These loans start with a fixed interest rate for a set period, then adjust annually.
Typical Options:
  • 10/6 ARM – Fixed rate for the first 10 years, then adjusts semiannually for the remaining 20.
  • 7/6 ARM – Fixed rate for 7 years, adjusts semiannually after that.
  • 5/6 ARM – Fixed for 5 years, then adjusts semiannually thereafter.
Got it
Interest-only Mortgage Options

Pay only interest for a fixed period, then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term

Learn more

Interest-Only Mortgage Options

Pay only interest for a fixed period (usually 5, 7, or 10 years), then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term.
Typical Options:
  • 5/1 IO ARM – Interest-only for 5 years, then adjusts annually
  • 7/1 IO ARM – Interest-only for 7 years, then adjusts annually
  • 10/1 IO ARM – Interest-only for 10 years, then adjusts annually
Got it
Assess your options now

Ready to get started?

It won't affect your credit score, and there's zero obligation to move forward.

Attend an info session
Speak with a loan advisor
*This is an illustrative estimate only, based on retail interest rates generally available in April 2026 to well-qualified consumers in states Multiply Mortgage serves.  This estimate is not intended to be relied upon for any purpose. All lending decisions are subject to credit and other approvals. Available terms and actual results may vary.
Introducing Multiply Mortgage For ERRG Employees
For ERRG Employees

Your path to homeownership

Confidently navigate every step of your mortgage journey. Whether you’re a first-time buyer or a seasoned investor, our expert team is here to guide you home.

We’ve helped finance hundreds of homes for employees just like you.
Attend a webinar
Speak with a loan advisor

Benefits

Preferred Rates

Access exclusive rate discounts—up to 0.25% below our already competitive rates—that can lower your monthly payments from the start and save you thousands over the life of your loan.

Personalized Guidance

Work one-on-one with a dedicated mortgage expert who guides you through every step—whether you’re buying your first home, refinancing, or upgrading.

Financial Education

Access our financial education sessions and resources to deepen your knowledge of home buying, real estate investing, personal financial wellness, and more.

I’ve already recommended Multiply to colleagues. I talked to four different lenders and at the end of the process, there was a clear winner—it wasn’t even close. Unless there’s another mortgage benefit provider out there (which I don’t think there is), save yourself the hassle. Just go with Multiply from the start and get the best price on your first try.

Alex W.

I am VERY excited to report, I closed on my new home Monday October 7th. Their [Multiply Mortgage’s] rate in Indiana was almost 2% lower than everyone else, and the process was so easy. I had my conditional approval in less than 1 week…they were so helpful and answered all my questions. They took the time to make sure I understood everything that was happening.

Michele L.

I didn’t want to spend hours on applications like I did with other lenders. Multiply [Mortgage]’s platform was seamless. They even helped us close early and gave us money back. It just made sense financially.

Leeana N.

For every homebuyer

New

For new homebuyers ready to start their journey

Learn more

First-Time Homebuyers

Things to keep in mind
FHA Loans — A Powerful First-Time Buyer Tool
A 30-year fixed mortgage offers a stable interest rate and consistent monthly payments over the life of the loan. Your principal and interest payments remain the same for the full 30 years, regardless of market fluctuations.
Your First Tax Break
Buying your first home can open the door to major tax benefits. You may be eligible to deduct mortgage interest, property taxes, and possibly mortgage insurance — savings that may reduce your taxable income significantly. Don’t forget to explore state-level tax credits or assistance programs too. Please consult your own tax advisor regarding your specific situation.
Understanding Closing Costs
Buying a home involves more than just saving for a down payment. You’ll also need to budget for closing costs, which usually range from 2% to 5% of the purchase price. These costs generally include things  like appraisals, title insurance, and more. Multiply Mortgage can help you estimate your closing costs upfront to avoid surprises when it’s time to close on your new home.
Why Pre-Approval Matters
Getting pre-approved for a mortgage shows sellers you’re a serious buyer and helps you know exactly what you can afford. Pre-approval can also speed up the closing process. Our team can help guide you through the simple steps to get started. 
Start your first mortgage plan
Experienced

Repeat buyers looking to upgrade or relocate

Learn more

Repeat Buyers

Things to keep in mind
Porting Your Equity
Have equity in your current home? You may be able to apply it toward your next purchase — even before selling. Multiply Mortgage’s experts can help you explore options like bridge loans or HELOCs to keep your move seamless. Understanding your options in regards to your current equity can help you make more competitive offers. Take advantage of the opportunity to leverage one of our experts today.
Thinking of a Trade-Up?
Thinking about a bigger home or different neighborhood? Timing your purchase and sale is critical. Multiply Mortgage helps coordinate offers, avoid costly interim housing and evaluate contingencies. We can also analyze your affordability under today’s rates and help you make sense of buy-before-you-sell options. Speak with one of our mortgage experts today and understand all of your options.
Navigating Contingencies
When buying and selling at the same time, contingencies can protect you—like making your purchase dependent on selling your current home. Multiply Mortgage can help you structure offers that balance your needs and keep your transactions on track.
Considering Renovation Loans
Found a home that needs updates? Renovation loans, like FHA 203(k) or Fannie Mae’s HomeStyle, let you finance repairs and improvements as part of your mortgage. Multiply’s experts can help you explore these options and understand what’s possible for your next investment.
Start Your Process
Pro

Investors and multiple-home owners

Learn more

Investors / Multiple-Home Owners

Things to keep in mind
Building Equity While You Sleep
One of the most powerful aspects of real estate investing is equity growth through mortgage paydown and appreciation. With each monthly payment, your tenants build your equity. Multiply Mortgage can help you compare loan structures that drive the best monthly payments for you — essential for scaling your portfolio over time.
Know Your DSCR
For investment properties, your Debt-Service Coverage Ratio (DSCR) could matter more than your salary. Multiply Mortgage’s loan experts can help you prioritize and recognize income-producing value to identify your best option.
Exploring Portfolio Loans
If you own multiple properties, traditional loans may not always fit your needs. Portfolio loans—held by lenders instead of being sold to investors—can offer flexible terms for complex situations. Multiply Mortgage can help you evaluate if this approach is right for your investment strategy.
Cash-Out Refinance for Growth
Need capital for your next investment? A cash-out refinance lets you tap into your property’s equity to fund new purchases or renovations. Multiply Mortgage can help you compare options and calculate the impact on your overall portfolio.
Get Ahead and Start Now

Have an offer already?

Upload your loan estimate or rate quote and get an instant AI analysis based on your rates, fees and terms.
Use Rate IQ

Find the best mortgage for you

We have many mortgage structures to fit your financial needs, some of our most common options include:

30-Year Fixed

Most popular option with predictable payments

Learn more

30-year Fixed Mortgage

A 30-year fixed mortgage offers a stable interest rate and consistent monthly payments over the life of the loan. Your principal and interest payments remain the same for the full 30 years, regardless of market fluctuations.
Got it
15-Year Fixed

Pay off your home faster with lower total interest

Learn more

15-year Fixed Mortgage

A home loan paid off over 15 years with a fixed interest rate. The rate and monthly payment remain the same, but payments are higher than a 30-year loan since you pay it off faster.
Got it
Adjustable-Rate Mortgage

These loans start with a fixed interest rate for a set period, then adjust semiannually

Learn more

Adjustable-Rate Mortgage

These loans start with a fixed interest rate for a set period, then adjust annually.
Typical Options:
  • 10/6 ARM – Fixed rate for the first 10 years, then adjusts semiannually for the remaining 20.
  • 7/6 ARM – Fixed rate for 7 years, adjusts semiannually after that.
  • 5/6 ARM – Fixed for 5 years, then adjusts semiannually thereafter.
Got it
Interest-only Mortgage Options

Pay only interest for a fixed period, then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term

Learn more

Interest-Only Mortgage Options

Pay only interest for a fixed period (usually 5, 7, or 10 years), then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term.
Typical Options:
  • 5/1 IO ARM – Interest-only for 5 years, then adjusts annually
  • 7/1 IO ARM – Interest-only for 7 years, then adjusts annually
  • 10/1 IO ARM – Interest-only for 10 years, then adjusts annually
Got it
Assess your options now

Mortgage Calculator

Get an estimate of your monthly payments
Get started

Enter your company email

By proceeding, you agree to Multiply Mortgage’s terms of service, electronic communications consent, and privacy policy.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Calculator provided for illustrative purposes only, and may not reflect your individual circumstances. To learn more about your mortgage options, contact one of our expert advisors today.

Introductory terms

Essential terms every homebuyer should understand

APR (Annual Percentage Rate)

A measure of the total cost of borrowing, including interest rate and fees, expressed as a yearly rate.

Equity

The difference between your home’s market value and the outstanding balance on your mortgage.

Interest

The fee the lender charges you to borrow money for your mortgage, based on a percentage of the principal.

Pre-approval

A lender’s conditional agreement to loan you a certain amount based on preliminary financial information.

Principal

The amount you borrow from the lender to buy a home. This is typically calculated by taking the home value, minus the down payment (initial upfront investment into the mortgage).

View all
Learn with a Mortgage Expert

Ready to get started?

Attend an info session
Speak with a loan advisor
*Versus prevailing rates available to most consumers in states Multiply Mortgage serves.  Not all loan products may be available to all consumers in all states. Terms, conditions and restrictions apply.
Introducing Multiply Mortgage For ERRG Employees

Your Path to Homeownership

Confidently navigate every step of your mortgage journey. Whether you’re a first-time buyer or a seasoned investor, our expert team is here to guide you home.

What is your level of experience?
New
First-time homebuyers ready to start their journey
Experienced
Repeat buyers looking to upgrade or relocate
Pro
Investors and multiple-home owners
Attend a WebinarSpeak with a Loan AdvisorStart Exploring

Mortgage Calculator

Get an estimate of your monthly payments
Talk to an Expert about Rates Today
New Buyers

First-Time Homebuyers

Things to Keep in Mind
FHA Loans — A Powerful First-Time Buyer Tool

FHA loans are designed to make homeownership accessible. With down payments as low as 3% and more flexible credit requirements, they’re often the right solution for buyers just getting started. Our dedicated mortgage experts can walk you through what makes sense for your specific situation.

Your First Tax Break

Buying your first home can open the door to major tax benefits. You may be eligible to deduct mortgage interest, property taxes, and possibly mortgage insurance — savings that may reduce your taxable income significantly. Don’t forget to explore state-level tax credits or assistance programs too. Speak to one of Multiply Mortgage’s loan experts to help you understand what is in the realm of the possible.

Understanding Closing Costs

Buying a home involves more than just saving for a down payment. You’ll also need to budget for closing costs, which usually range from 2% to 5% of the purchase price. These costs include things like appraisals, title insurance, and more. Multiply Mortgage can help you estimate your closing costs upfront to avoid surprises when it’s time to close on your new home.

Why Pre-Approval Matters

Getting pre-approved for a mortgage shows sellers you’re a serious buyer and helps you know exactly what you can afford. Pre-approval can also speed up the closing process. Our team can help guide you through the simple steps to get started.

Start your First Mortgage Plan
Experienced buyers

Repeat Buyers

Things to Keep in Mind
Porting your Equity

Have equity in your current home? You may be able to apply it toward your next purchase — even before selling. Multiply Mortgage’s experts can help you explore options like bridge loans or HELOCs to keep your move seamless. Understanding your options in regards to your current equity can help you make more competitive offers. Take advantage of the opportunity to leverage one of our experts today.

Thinking of a Trade-Up?

Thinking about a bigger home or different neighborhood? Timing your purchase and sale is critical. Multiply Mortgage helps coordinate offers, avoid costly interim housing and evaluate contingencies. We can also analyze your affordability under today’s rates and help you make sense of buy-before-you-sell options. Speak with one of our mortgage experts today and understand all of your options.

Navigating Contingencies

When buying and selling at the same time, contingencies can protect you—like making your purchase dependent on selling your current home. Multiply Mortgage can help you structure offers that balance your needs and keep your transactions on track.

Considering Renovation Loans

Found a home that needs updates? Renovation loans, like FHA 203(k) or Fannie Mae’s HomeStyle, let you finance repairs and improvements as part of your mortgage. Multiply Mortgage’s experts can help you explore these options and understand what’s possible for your next investment.

Start Your Process
Pro Buyers

Investors & Multiple-Home Owners

Things to Keep in Mind
Building Equity While You Sleep

One of the most powerful aspects of real estate investing is equity growth through mortgage paydown and appreciation. With each monthly payment, your tenants build your equity. Multiply Mortgage can help you compare loan structures that drive the best monthly payments for you — essential for scaling your portfolio over time.

Know Your DSCR

For investment properties, your Debt-Service Coverage Ratio (DSCR) could matter more than your salary. Multiply Mortgage’s loan experts can help you prioritize and recognize income-producing value to identify your best option.

Exploring Portfolio Loans

If you own multiple properties, traditional loans may not always fit your needs. Portfolio loans—held by lenders instead of being sold to investors—can offer flexible terms for complex situations. Multiply Mortgage can help you evaluate if this approach is right for your investment strategy.

Cash-Out Refinance for Growth

Need capital for your next investment? A cash-out refinance lets you tap into your property’s equity to fund new purchases or renovations. Multiply Mortgage can help you compare options and calculate the impact on your overall portfolio.

Get Ahead and Start Now

Find the best mortgage for you

Common Mortgage Types:
30-Year Fixed
Most popular option with
predictable payments

30-year Fixed Mortgage

A 30-year fixed mortgage offers a stable interest rate and consistent monthly payments over the life of the loan. Your principal and interest payments remain the same for the full 30 years, regardless of market fluctuations.
Got it
15-Year Fixed
Pay off your home faster
with lower total interest

15-year Fixed Mortgage

A home loan paid off over 15 years with a fixed interest rate. The rate and monthly payment remain the same, but payments are higher than a 30-year loan since you pay it off faster.
Got it
Adjustable-Rate Mortgage
These loans start with a
fixed interest rate for a set period
then adjust annually.

Adjustable-Rate Mortgage

These loans start with a fixed interest rate for a set period, then adjust annually.
Typical Options:
  • 10/1 ARM – Fixed rate for the first 10 years, then adjusts annually for the remaining 20.
  • 7/1 ARM – Fixed rate for 7 years, adjusts annually after that.
  • 5/1 ARM – Fixed for 5 years, then adjusts each year thereafter.
Got it
Interest-Only Mortgage Options
Pay only interest for a fixed period, then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term.

Interest-Only Mortgage Options

Pay only interest for a fixed period (usually 5, 7, or 10 years), then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term.
Typical Options:
  • 5/1 IO ARM – Interest-only for 5 years, then adjusts annually
  • 7/1 IO ARM – Interest-only for 7 years, then adjusts annually
  • 10/1 IO ARM – Interest-only for 10 years, then adjusts annually
Got it
Assess Your Options Now

Introductory Terms

Essential terms every homebuyer should understand
Principal

The amount you borrow from the lender to buy a home. This is typically calculated by taking the home value, minus the down payment (initial upfront investment into the mortgage).

Interest

The fee the lender charges you to borrow money for your mortgage, based on a percentage of the principal.

Points

Fees paid directly to the lender at closing in exchange for a reduced interest rate. Often referred to as "buying down the rate."

APR (Annual Percentage Rate)

A measure of the total cost of borrowing, including interest rate and fees, expressed as a yearly rate.

Amortization

The process of paying off a loan over time through regular payments.

DTI (Debt-to-Income Ratio)

The percentage of a borrower's monthly gross income that goes toward paying debts.

Equity

The difference between your home's market value and the outstanding balance on your mortgage.

LTV (Loan-to-Value Ratio)

A ratio used by lenders to assess lending risk; it compares the loan amount to the home's value.

Pre-approval

A lender's conditional agreement to loan you a certain amount based on preliminary financial information.

PMI (Private Mortgage Insurance)

Insurance required on conventional loans when the down payment is less than 20%.

Underwriting

The process by which a lender evaluates the risk of lending money to a borrower.

Rate Lock

Fees paid directly to the lender at closing in exchange for a reduced interest rate. Often referred to as "buying down the rate."

Learn with a Mortgage Expert
*Versus prevailing rates available to most consumers in states Multiply Mortgage serves.  Not all loan products may be available to all consumers in all states. Terms, conditions and restrictions apply.
This is some text inside of a div block.
This is some text inside of a div block.

Your path to homeownership

Confidently navigate every step of your mortgage journey. Whether you’re a first-time buyer or a seasoned investor, our expert team is here to guide you home.

Attend a webinar
Start exploring
Speak with a loan advisor

Benefits

Preferred Rates

Multiply Mortgage offers exclusive mortgage discounts which can mean lower monthly payments and long-term savings, from the start.

Personalized Guidance

Work one-on-one with a dedicated mortgage expert who guides you through every step—whether you’re buying your first home, refinancing, or upgrading.

Financial Education

Access our financial education sessions and resources to deepen your knowledge of home buying, real estate investing, personal financial wellness, and more.

I’ve already recommended Multiply to colleagues. I talked to four different lenders and at the end of the process, there was a clear winner—it wasn’t even close. Unless there’s another mortgage benefit provider out there (which I don’t think there is), save yourself the hassle. Just go with Multiply from the start and get the best price on your first try.

Alex W.

I am VERY excited to report, I closed on my new home Monday October 7th. Their [Multiply Mortgage’s] rate in Indiana was almost 2% lower than everyone else, and the process was so easy. I had my conditional approval in less than 1 week…they were so helpful and answered all my questions. They took the time to make sure I understood everything that was happening.

Michele L.

I didn’t want to spend hours on applications like I did with other lenders. Multiply [Mortgage]’s platform was seamless. They even helped us close early and gave us money back. It just made sense financially.

Leeana N.

What’s your level of experience?

New

For new homebuyers ready to start their journey

Learn more

First-Time Homebuyers

Things to keep in mind
FHA Loans — A Powerful First-Time Buyer Tool
A 30-year fixed mortgage offers a stable interest rate and consistent monthly payments over the life of the loan. Your principal and interest payments remain the same for the full 30 years, regardless of market fluctuations.
Your First Tax Break
Buying your first home can open the door to major tax benefits. You may be eligible to deduct mortgage interest, property taxes, and possibly mortgage insurance — savings that may reduce your taxable income significantly. Don’t forget to explore state-level tax credits or assistance programs too. Speak to one of Multiply Mortgage’s loan experts to help you understand what is in the realm of the possible.
Understanding Closing Costs
Buying a home involves more than just saving for a down payment. You’ll also need to budget for closing costs, which usually range from 2% to 5% of the purchase price. These costs generally include things  like appraisals, title insurance, and more. Multiply Mortgage can help you estimate your closing costs upfront to avoid surprises when it’s time to close on your new home.
Why Pre-Approval Matters
Getting pre-approved for a mortgage shows sellers you’re a serious buyer and helps you know exactly what you can afford. Pre-approval can also speed up the closing process. Our team can help guide you through the simple steps to get started. 
Start your first mortgage plan
Experienced

Repeat buyers looking to upgrade or relocate

Learn more

Repeat Buyers

Things to keep in mind
Porting Your Equity
Have equity in your current home? You may be able to apply it toward your next purchase — even before selling. Multiply Mortgage’s experts can help you explore options like bridge loans or HELOCs to keep your move seamless. Understanding your options in regards to your current equity can help you make more competitive offers. Take advantage of the opportunity to leverage one of our experts today.
Thinking of a Trade-Up?
Thinking about a bigger home or different neighborhood? Timing your purchase and sale is critical. Multiply Mortgage helps coordinate offers, avoid costly interim housing and evaluate contingencies. We can also analyze your affordability under today’s rates and help you make sense of buy-before-you-sell options. Speak with one of our mortgage experts today and understand all of your options.
Navigating Contingencies
When buying and selling at the same time, contingencies can protect you—like making your purchase dependent on selling your current home. Multiply Mortgage can help you structure offers that balance your needs and keep your transactions on track.
Considering Renovation Loans
Found a home that needs updates? Renovation loans, like FHA 203(k) or Fannie Mae’s HomeStyle, let you finance repairs and improvements as part of your mortgage. Multiply’s experts can help you explore these options and understand what’s possible for your next investment.
Start Your Process
Pro

Investors and multiple-home owners

Learn more

Investors / Multiple-Home Owners

Things to keep in mind
Building Equity While You Sleep
One of the most powerful aspects of real estate investing is equity growth through mortgage paydown and appreciation. With each monthly payment, your tenants build your equity. Multiply Mortgage can help you compare loan structures that drive the best monthly payments for you — essential for scaling your portfolio over time.
Know Your DSCR
For investment properties, your Debt-Service Coverage Ratio (DSCR) could matter more than your salary. Multiply Mortgage’s loan experts can help you prioritize and recognize income-producing value to identify your best option.
Exploring Portfolio Loans
If you own multiple properties, traditional loans may not always fit your needs. Portfolio loans—held by lenders instead of being sold to investors—can offer flexible terms for complex situations. Multiply Mortgage can help you evaluate if this approach is right for your investment strategy.
Cash-Out Refinance for Growth
Need capital for your next investment? A cash-out refinance lets you tap into your property’s equity to fund new purchases or renovations. Multiply Mortgage can help you compare options and calculate the impact on your overall portfolio.
Get Ahead and Start Now

Find the best mortgage for you

We have many mortgage structures to fit your financial needs, some of our most common options include:

30-Year Fixed

Most popular option with predictable payments

Learn more

30-year Fixed Mortgage

A 30-year fixed mortgage offers a stable interest rate and consistent monthly payments over the life of the loan. Your principal and interest payments remain the same for the full 30 years, regardless of market fluctuations.
Got it
15-Year Fixed

Pay off your home faster with lower total interest

Learn more

15-year Fixed Mortgage

A home loan paid off over 15 years with a fixed interest rate. The rate and monthly payment remain the same, but payments are higher than a 30-year loan since you pay it off faster.
Got it
Adjustable-Rate Mortgage

These loans start with a fixed interest rate for a set period, then adjust annually

Learn more

Adjustable-Rate Mortgage

These loans start with a fixed interest rate for a set period, then adjust annually.
Typical Options:
  • 10/1 ARM – Fixed rate for the first 10 years, then adjusts annually for the remaining 20.
  • 7/1 ARM – Fixed rate for 7 years, adjusts annually after that.
  • 5/1 ARM – Fixed for 5 years, then adjusts each year thereafter.
Got it
Interest-only Mortgage Options

Pay only interest for a fixed period, then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term

Learn more

Interest-Only Mortgage Options

Pay only interest for a fixed period (usually 5, 7, or 10 years), then the loan converts to amortizing payments (principal + interest) with an adjustable rate for the remaining term.
Typical Options:
  • 5/1 IO ARM – Interest-only for 5 years, then adjusts annually
  • 7/1 IO ARM – Interest-only for 7 years, then adjusts annually
  • 10/1 IO ARM – Interest-only for 10 years, then adjusts annually
Got it
Assess your options now

Mortgage Calculator

Get an estimate of your monthly payments
Get Started

Enter your company email

By proceeding, you agree to Multiply Mortgage’s terms of service, electronic communications consent, and privacy policy.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Calculator provided for illustrative purposes only, and may not reflect your individual circumstances. To learn more about your mortgage options, contact one of our expert advisors today.

Introductory terms

Essential terms every homebuyer should understand

APR (Annual Percentage Rate)

A measure of the total cost of borrowing, including interest rate and fees, expressed as a yearly rate.

Equity

The difference between your home’s market value and the outstanding balance on your mortgage.

Interest

The fee the lender charges you to borrow money for your mortgage, based on a percentage of the principal.

Pre-approval

A lender’s conditional agreement to loan you a certain amount based on preliminary financial information.

Principal

The amount you borrow from the lender to buy a home. This is typically calculated by taking the home value, minus the down payment (initial upfront investment into the mortgage).

View all
Learn with a Mortgage Expert

Ready to get started?

Attend an info session
Start exploring
Speak with a loan advisor
*Versus prevailing rates available to most consumers in states Multiply Mortgage serves.  Not all loan products may be available to all consumers in all states. Terms, conditions and restrictions apply.