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Why Multiply Mortgage?

Lower rates*

We’re ultra competitive across multiple mortgage structures.

Local
experts

We have multiple office locations with mortgage experts on the ground who know the market.

White glove service

Get concierge-level service from the mortgage experts who are with you every step.

The mortgage process

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Pre-approval

Compare lenders, gather financial documents, and apply for pre-approval. A pre-approval letter may strengthen your position as a buyer.

House hunting

Work with a real estate agent to search for homes within your budget. Make an offer, negotiate, and sign a purchase agreement once accepted.

Pre-approval

Compare lenders, gather financial documents, and apply for pre-approval. A pre-approval letter may strengthen your position as a buyer.

Mortgage underwriting and approval

The lender reviews your financials and the home appraisal. Once all conditions are met, you’ll receive final loan approval.

Application

Choose a lender, submit required documents, and lock in your interest rate. The lender will also schedule a home appraisal.

Find the best mortgage for you

Explore common (and uncommon) mortgage structures to find the right fit, including:
Conventional

Conventional mortgage

A conventional mortgage is a home loan provided by private lenders, not insured or guaranteed by the government. Typically structured with fixed or adjustable interest rates, it requires a down payment ranging from 5% to 20% of the home’s purchase price. The loan is repaid over a set period, usually 15, 20, or 30 years, with payments made up of both principal and interest.

Borrowers with less than 20% equity may need to pay private mortgage insurance (PMI). Conventional mortgages adhere to guidelines set by entities like Fannie Mae or Freddie Mac and are a popular choice for buyers with solid credit and the ability to make a significant down payment.
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VA

VA Loan

A mortgage guaranteed by the Department of Veterans Affairs, available to eligible military service members and veterans.
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USDA

USDA Loan

A government-backed loan for rural and suburban homebuyers, offering low or no down payment options.
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Fixed rate

Fixed-Rate Mortgage

A loan with an interest rate that remains constant throughout the term of the mortgage.
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Adjustable rate

Adjustable-Rate Mortgage (ARM)

A type of mortgage with an interest rate that periodically adjusts based on an index.
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30-Year
Fixed

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.
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7-Year
Interest-only ARM

7-year interest-only mortgage

With a 7-year interest-only mortgage, you pay only the interest for the first seven years, resulting in lower monthly payments during that period. After the interest-only phase, the loan converts to a traditional amortizing loan, and monthly payments increase to cover both principal and interest.
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5-Year
ARM

5-year ARM(Adjustable-Rate Mortgage

A 5-year ARM offers a low, fixed interest rate for the first five years, followed by annual adjustments based on market rates. It’s a good fit for buyers who expect to move or refinance before the adjustable period begins, potentially saving money with a lower initial rate compared to a traditional fixed loan.
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Personalized service

Multiply Mortgage offers tailored lending products and services. We partner with leading companies to offer our mortgage product as an employee benefit as well as top real estate agents to provide concierge service to their clients with complex balance sheets.

Ready to get started?

Get in touch with our team and learn how we can help you.
Schedule a meeting
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