Introducing Multiply Mortgage for Reddit Employees - Launching January 1st
For Reddit Employees - Launching January 1st

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.

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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.

What’s your level of experience?

New

For new homebuyers ready to start their journey

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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. 
Experienced

Repeat buyers looking to upgrade or relocate

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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.
Pro

Investors and multiple-home owners

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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.

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

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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

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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.
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Adjustable-Rate Mortgage

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

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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.
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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

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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

Mortgage Calculator

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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).

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Ready to get started?

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*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.