Altgage is mortgage management platform, not a marketplace. Read our full disclaimer.

Customize your mortgage like a pro Deal Optimizer

Lower your mortgage rate by 1% and take up to 50% of down payments.

Fee free mortgage rate searches reduce variation in pricingRates are not very sensitive to down paymentsUnit cost of discount points are non-linear
Avg. down Payment

10.1%

Avg. Rate Reduced

0.7%

Avg. Cash Savings

$50K

Avg. Interest Savings

$63K

How Deal Optimizer works?

Step 1

Search for rates, minus the fees

Everyone shops for mortgage rates but compare apples and oranges. Cut through the noise and find the "par" rate with 0 points and fees. That enables a fair comparison

Analyze down payments

Lower down payments don't always mean higher rates. Down payments have discrete thresholds, so 10.1% and 15% down could have the same rate!  Tuning down payments reduces cash to buy while balancing rates.

Step 2

Step 3

Evaluate discount points

Lenders provide "par" rates along with the "cost to buy" a lower rate, or a "credit to accept" a higher rate. Discount points have non-linear cost-benefit trade-offs. Our algorithms analyze rate data to make precise recommendations.

Understand how points work
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Create the best mortgage deal

Fees paid to brokers & loan originators can be hidden in a higher rate. We value transparency and keep fees low. Homebuyers get the best deal or we'll tell you where to go

Get a referral, and create the best deal
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Step 4

Why Deal Optimizer?

A Better Deal for Homeownership

PMIs so low, your phone bill will look expensive.

A Competitive Search Process

We do mortgages like Google flights does airlines

Optimize Rates & Down Payments

Great deals customized with multiple factors

What customers like you saved...

A picture of Thomas

Altgage helped us discover options we never considered. We bought our next home with 10.1% down and retained the current home as a rental. Altgage's creativity & willingness to question convention helped pull it off.

Thomas H. - Product Manager

A picture of Natalie

This is a professional operation. I got clear scenarios to choose from. The transparency was amazing, and my rate was 1% lower. They helped me navigate a tricky issue with the HOA. I am very thankful to the Altgage team

Natalie B. - Consultant

A picture of Vaibhav

We reduced our down-payment by 50% and the total cost of loan. It was a $70,000 magic trick. I could have purchased a home 3 years ago if I'd known Altgage. We are on track to can pay-off our largest debt 5yrs earlier

Vaibhav S. - Data Scientist

The best mortgage decisions