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Affinity Mortgage LLC

Great Home Loans
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Conventional, FHA, VA, and Jumbo loans — purchase or refinance — backed by a team with Billions in funded loans and 1,000+ five-star reviews.

Purchase

Buying a home? Get pre-approved quickly so you can shop with confidence.

Lower Your Rate

Already own? Refinance to a lower rate and reduce your monthly payment.

Cash-Out Refi

Tap your home equity to consolidate debt or fund what matters most.

1,000+
5-Star Reviews
A+ BBB
Rated
100%
Recommended
Billions
Funded Loans

Find Your Dream Home
With Confidence

Getting pre-approved is the first step to homeownership. We make it fast, simple, and stress-free — so you can focus on finding the perfect place.

Fast Pre-Approval

Know your buying power quickly. Our streamlined process gets you pre-approved so you can make competitive offers without delay.

Every Loan Type

Conventional, FHA, VA, Jumbo — we offer the full spectrum of purchase loan products to match your financial situation and goals.

Expert Guidance

Our experienced loan officers walk you through every step — from application to closing — answering every question along the way.

Have questions about your home purchase?

Speak with a loan expert who can help guide you through your loan process.

Lower Your Rate.
Lower Your Payment.

Rates have shifted and your current mortgage may no longer be the best deal. Refinancing with Affinity could put real savings back in your pocket every month.

Competitive Rates

We shop the market aggressively to bring you the lowest rates available — often beating big banks and online lenders.

Transparent Costs

No hidden fees, no surprises. We show you the complete picture — line-item closing costs, break-even timelines, and real savings.

Quick Close

Our efficient process means your refinance closes fast — so your lower payment starts working for you sooner.

Not sure which refinance option is right for you?

Our team can help you compare loan programs and find the best fit.

Your Home Equity,
Working for You

Your home has built real value. A cash-out refinance lets you put that equity to work — whether it's paying off high-interest debt, renovating, or funding a major goal.

Consolidate Debt

Replace high-interest credit card and personal loan payments with one lower monthly mortgage payment. Simplify and save.

Home Improvements

Invest in your property with renovations that improve your daily life and build even more long-term value in your home.

Major Expenses

Education, medical bills, starting a business — your equity can fund life's biggest investments at mortgage rates.

Proud to Serve
Those Who Served

Affinity Mortgage is one of the nation's top VA lenders. We understand the VA loan benefit inside and out — and we're dedicated to helping veterans and active-duty service members get the most from it.

No down payment required
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit requirements
Streamlined refinancing (IRRRL) available

VA Purchase Loans

Buy your home with zero down payment and no PMI. Available to eligible veterans, active-duty, Guard, and Reserve members.

VA Streamline Refinance (IRRRL)

Already have a VA loan? Lower your rate with minimal paperwork and no appraisal in most cases. Fast and hassle-free.

VA Cash-Out Refinance

Access your home equity with a VA cash-out refi. Borrow up to 100% of your home's value with competitive VA rates.

Real Reviews From
Real Homeowners

Don't just take our word for it. Hear from homeowners who have trusted Affinity Mortgage with their biggest financial decision. Customer reviews have been adapted from verified testimonials on Google, Shopper Approved, and LendingTree. Reviews may be edited for length, clarity, and privacy. Original sentiment and ratings are preserved.

L. D.

"Amazing to work with! Very easy process! Got me closed on my VA loan very quickly, me and my husband are now enjoying our dream home on 26 acres."

Verified Customer
J. D.

"Great Rates! Great communication! Prompt replies! Detail Oriented! Great Refi experience! They did a great job pulling it all together!"

Verified Customer
M. W.

"Working with Affinity was simple and easy! Our loan officer was responsive, courteous, and very helpful throughout the process. I cannot recommend Affinity enough!"

Verified Customer
J. G.

"Prompt and excellent service. Greatly appreciated. They were able to help us meet our refinance goals by arranging the favorable rate and payment reduction that we needed and made the entire process understandable and stress free. Thank you."

Verified Customer
A. H.

"They were fantastic! We set a short time line of only 3 weeks and they successfully closed on our new home the same day we closed on the home we sold. I don't know that anyone else could have pulled off such a challenging deal."

Verified Customer
Q. D.

"Our loan officer made buying our first home a breeze. He emailed us very fast with answers to all our questions and was able to give us a great interest rate. We have already referred him to 2 of our friends."

Verified Customer
K. T.

"Absolutely awesome. Our loan officer was wonderful to work with. She was so prompt in communication and took the extra step to make sure we knew what to expect at every step. Would definitely recommend."

Verified Customer
C. M.

"The team at Affinity Mortgage were excellent. Their processes and professionalism made the entire experience seamless. I truly felt they had my best interest and got me the best rate possible."

Verified Customer
J. M.

"They made the refinancing process a breeze! Got an amazing rate and was closing in no time. Highly recommend!"

Verified Customer
B. P.

"We had such an easy experience doing a refi with Affinity. They was amazing to work with. Made the whole process seamless and easy. We've referred twice to him already and I'm sure we will refer again."

Verified Customer
L. C.

"Affinity Mortgage has been the best company that has helped us when we started with our VA loan. Our loan officer has helped us from the beginning till the end, helping us go through the step by step process. I highly recommend Affinity mortgage."

Verified Customer
B. A.

"This was my first online mortgage experience and it couldn't have gone better. They were there with all the answers to my concerns about the entire process which was accomplished in a timely manor without me having to leave the house."

Verified Customer
B. H.

"The Affinity team are highly customer oriented, efficient and keep you informed every step of the way. They go above and beyond to ensure a positive experience. Companies of this caliber are few and far between. Thanks again for a wonderful experience!"

Verified Customer
J. G. (2)

"Great people with the most competitive refi rate I could find. I would definitely recommend."

Verified Customer
J. P.

"The team at Affinity Mortgage are top-notch! I have used them for new home purchases (twice) as well as refinances (twice) on current homes. They came through with the best rate EVERY time! I highly recommend the Affinity Mortgage team!"

Verified Customer
T. S.

"This the most efficient mortgage process I've been through."

Verified Customer
M. J.

"Affinity Mortgage guys are awesome!!! I do not think they wasted even one minute of my time and I believe I got the best deal possible in the industry at that moment because no other offers could tilt the one I got. Thank you Affinity very very much!!!"

Verified Customer
T. I.

"After using Affinity Mortgage 8 years ago to buy my house, there was no question who I was going to have to do my refinance with. Affinity Mortgage continues to go above and beyond."

Verified Customer
Rate Watch

Set Your Rate Alert

Looking for a specific rate? Tell us your target and we'll monitor the market for you — you'll be the first to know when it's available.

Frequently Asked Questions

Quick answers to the questions we hear most often. Can't find what you're looking for? Give us a call.

What credit score do I need to qualify?

It depends on the loan type. Conventional loans typically require a 620+ score, FHA loans can go as low as 580, and VA loans have flexible credit guidelines. We'll help you find the best program for your situation.

How much do I need for a down payment?

Down payment requirements vary. VA loans offer 0% down, FHA loans start at 3.5%, and some conventional programs allow as little as 3% down. We'll work with you to find the best option.

When does it make sense to refinance?

Generally, refinancing makes sense when you can lower your rate by 0.5% or more, switch from adjustable to fixed rate, or access home equity. We'll help you crunch the numbers.

What's the difference between FHA and conventional?

FHA loans are government-backed with lower credit and down payment requirements. Conventional loans typically offer better rates and lower costs for borrowers with strong credit.

How does a cash-out refinance work?

A cash-out refinance replaces your existing mortgage with a new, larger one — and you receive the difference in cash. You may be able to borrow up to 80% of your home's value.

Who qualifies for a VA loan?

VA loans are available to veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses. You'll need a Certificate of Eligibility (COE), which we can help you obtain.