T TouchPoint Mortgage
AI-powered lending

Explore your options. Talk to Ava.
Close with confidence.

Skip the 30-year-old mortgage runaround. Answer a few quick questions to see your options, talk to Ava our AI assistant any time, and connect with a licensed loan officer when you are ready. No spam, no pressure, no surprises.

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No impact to your credit score. See rate options based on the information you provide.

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Loan programs

The right loan, not the only loan

From your first home to your fifth investment property. We price every program we offer so you see real options, not a one-size-fits-all pitch.

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Conventional

Best rates for borrowers with 620+ FICO and 3–20% down. Fixed and ARM options up to the conforming limit.

Get a Conventional quote →
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FHA

As little as 3.5% down. Flexible credit guidelines. Great for first-time buyers and self-employed borrowers.

Get an FHA quote →
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VA

0% down for eligible veterans, active-duty service members, and spouses. No private mortgage insurance.

Get a VA quote →
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Jumbo

Luxury and high-cost-area financing above the conforming limit. Competitive pricing for primary, second-home, and investment.

Get a Jumbo quote →
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Non-QM

Bank statements, asset-based, and investor programs. We work with self-employed borrowers and unique income.

Get a Non-QM quote →
How it works

Three steps. No runaround.

From your first request to clear-to-close, we keep the process simple, transparent, and moving.

Submit your information

Share a few details about your goals so a licensed loan officer can review your request and explain the available next steps. This is not a rate quote or commitment to lend.

Talk to Ava or request a callback

Ava answers in seconds, 24/7. When you want a real loan officer, she can request a follow-up with the context you provide.

Close with confidence

Digital application, e-signed disclosures, real-time milestone tracking, and a closing call with your LO.

Meet Ava

Your AI mortgage assistant. Actually useful.

Ava can explain loan programs and collect your stated goals for a licensed loan officer to review. She never qualifies you, invents a rate, or makes an approval decision.

  • Helps you explore relevant options in 3–4 questions, not 30 minutes of forms
  • Pulls today’s program options — never teases, never guesses
  • Requests a follow-up from a licensed loan officer
  • Speaks English and Spanish, 24/7
  • Every conversation can be shared with a licensed loan officer for review
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Request a callAvailability is confirmed by a human representative

Ava is an AI voice agent. She asks about your situation, explains potentially relevant programs, and requests a callback from a licensed loan officer when needed. This call may be recorded for quality and compliance.

FAQ

Honest answers, no fine print

Don’t see your question? Ask Ava in the chat — she’ll answer or request a callback from a licensed loan officer.

How fast can I really close?
Most purchase loans close in 18 to 25 days when the appraisal and title come back clean. Some counties and loan types take longer, and your loan officer can give you a personalized timeline after reviewing your information. Refis typically run 14 to 21 days under similar conditions.
Does the rate quote hurt my credit?
The initial rate request uses a soft inquiry and typically has no impact on your FICO. Only when you formally submit a loan application do we run a hard inquiry, and we always confirm with you first. If you have questions about what is pulled and when, your loan officer can walk you through it.
What states do you lend in?
We currently lend in Michigan and California. Both states have specific licensing language, disclosure requirements, and rate caps that Ava knows. We’re actively working on additional states — ask her what’s next.
What does Ava actually know?
Ava explains general program features and gathers your stated goals for a licensed loan officer. She does not provide rates, pricing, qualification, or approval decisions.
Is my data safe with an AI?
Yes. Conversations are encrypted in transit over TLS and stored encrypted at rest. We do not sell your information. Conversations with our AI assistant are processed under a zero-retention configuration with our AI provider, meaning your conversation data is not used to train AI models. Read our privacy policy for the full details.

Explore your mortgage options when you’re ready.

Answer a few quick questions to get started, or connect with Ava for help along the way.

Apply Now →