Lower rates. Less paperwork. Real people.
Most lenders still process loans by hand. We don't — so you save ~0.5% and close in weeks, with a loan expert by your side.
Refinances Cash Outs Home Equity HELOC 
5.0 
$85B+ 
0.5% How does Chestnut work?
Instant access. Zero hold time.
Just log in to explore our rates, apply, and check your loan status. No phone calls required. Any device.
The first AI-native mortgage process
Chestnut's AI cuts fees and speeds up processing to save you time and money. Meanwhile the other guys are still on pen and paper — and want you to foot the bill.
Talk to an (actual) human any time
Your personal loan expert is available via text, email, or phone if you have any questions.
Product types
Buy a Home
Flexible down payment options, underwritten pre-approvals, and an AI-powered process that helps you close on time.
Refinance
Lower your monthly payment or reduce your interest rate in record time.
HELOC, Cash-Out, and Home Equity
With a variety of loan terms and amounts, Chestnut makes it easy to access your equity.
FAQ
Chestnut uses AI to automate the pen-and-paper processes that other lenders charge you for. We're able to offer lower rates by passing our savings to our customers.
Ready to find your best rate?
We'll help you compare options and choose what works for you.