Zero pressure.
F5 is a broker, not a bank. We shop 50+ wholesale lenders against each other so you get a cleaner rate and structure, with no pressure and no surprise fees.
What are you looking to do?
Pick the closest. We'll tailor your options to it.
The broker advantage
We don't pitch one rate. We make 50+ lenders fight for yours.
A bank can only show you the bank's rate. As a broker, F5 puts the whole wholesale market in competition for your loan, so the structure usually comes out cleaner than anything at a single branch.
F5 shops more than 50 wholesale lenders, including UWM, Pennymac, Newrez, LoanDepot, CMG, PRMG, Kind Lending, Orion Lending, Champions Funding, EPM, JMAC Lending, Plaza Home, Provident Funding, REMN Wholesale, Sierra Pacific, Nations Direct, Loanstream, NexBank, The Loan Store, eLend (AFR), Cake Home, A Mortgage Boutique.
White-glove service
You never talk to the lender. We do.
F5 deals directly with all 50+ lenders for you and handles every step, from your first quote to the closing table. You never chase a bank, sit on hold, or decode a rate sheet. One team does the whole thing, start to finish.
Same pay, every lender
Our compensation doesn't change based on which lender you pick or the rate you get. So the only deal we're ever chasing is the best one for you. No steering, ever.
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We work directly with the lenders
You deal with F5 only. We negotiate, submit, and follow up with every lender on your behalf.
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We handle the entire file
Application, documents, the underwriting back-and-forth, disclosures, and closing coordination, all done for you.
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One point of contact
A licensed F5 loan officer who knows your file from your first question to the closing table.
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No required broker fee
F5 is typically paid by the lender, so most borrowers pay no broker fee at all.
F5 Mortgage is typically compensated by the lender, so there is no required broker fee to the borrower. Borrower-paid compensation is available but is not how loans are priced by default and is not required.
How it works
A process that puts you in control.
From your first question to the closing table, one F5 team handles the whole thing.
Tell us your goal
Answer a few questions and get a no-obligation quote. Soft credit check only, no impact to your score.
We shop 50+ lenders
As a broker we put wholesale lenders against each other, instead of pitching one bank's rate sheet.
Close with confidence
A licensed loan officer walks you through your real options and closes most loans in under three weeks.
Built around what actually matters.
Wholesale access, not retail markup.
We shop 50+ lenders for the lowest available rate, instead of handing you one bank's sheet.
Most loans close in under three weeks.
No pressure
We guide, never push. You choose what's right, on your timeline.
Stress-free
Modern, simple tech keeps everything clear from quote to closing.
Loan options
A program for every path home.
Already own? Track your home for free.
Get your home's estimated value and equity, watch your local market, and we'll tell you the moment refinancing actually makes sense. No spam, cancel anytime.
- ✓Estimated value + equity, updated monthly
- ✓Local market and rate trends for your area
- ✓A heads-up when a refi could save you real money
Get your free home snapshot
We'll email your home report and occasional market updates. Unsubscribe anytime. No credit impact.
Reviews
Clients who'd send their family to us.
Ryan reached out and promised better options than the lender I was working with. F5 delivered. Even my title company said F5 was on the ball.
If you're looking for speed and convenience, F5 is for you. They got me secured at rates I couldn't believe and guided me step by step as a first-time buyer.
I used F5 to refinance and closed in about 10 days. Every other broker told me 30 to 45. Fantastic experience start to finish.
Questions, answered.
Is F5 Mortgage a bank?+
No. F5 is a licensed mortgage broker. Instead of pitching one bank's rates, we shop 50+ wholesale lenders against each other and pass the cleaner pricing to you.
Does getting a quote affect my credit?+
No. Seeing your options uses a soft credit check with no impact to your score. A hard pull only happens if you decide to move forward.
What states is F5 licensed in?+
We currently serve California, Colorado, Florida, Georgia, Michigan, Ohio, Pennsylvania, South Carolina, Texas, and Virginia.
How fast can I close?+
We close most loans in under three weeks, and refinances can move even faster. A licensed loan officer keeps you updated the whole way.
Will I make payments to F5?+
No. F5 originates and structures your loan, then it's serviced by your lender. We're your advocate through the process.
See what 50+ lenders will do for you.
A no-obligation quote with no credit impact. Takes about 10 minutes.