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.

See my rate options →

See your mortgage rate options in about 60 seconds

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 quote to clear-to-close, we keep the process simple, transparent, and moving.

See your rate options

See personalized rate options without the teaser rates or guesswork. Lock when you’re ready—or check back as rates change.

Talk to Ava or a human

Ava answers in seconds, 24/7. The moment you want a real loan officer, she is handing off with full context.

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 is trained on every loan program we offer, plus the licensing language and disclosure requirements for the states we serve. Ava is built on 20 years of real borrower questions, qualifies your loan in minutes, never invents a rate, and hands off to a real human the moment you ask.

  • Pre-qualifies you in 3–4 questions, not 30 minutes of forms
  • Pulls today’s program options — never teases, never guesses
  • Books you directly into a loan officer’s calendar
  • Speaks English and Spanish, 24/7
  • Every conversation is saved as a qualified lead
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Call AvaAnswers in 10 seconds · 24/7

Ava is an AI voice agent powered by Retell AI. She pre-qualifies you, pulls real programs, and hands off to a licensed loan officer on request. 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 hand off to a human.

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 pre-qualification. Refis typically run 14 to 21 days under similar conditions.
Does the rate quote hurt my credit?
The initial pre-qualification is 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?
Every program we offer, current published rates, state-specific licensing language, and 20 years of borrower questions. She does not invent rates and will hand off to a human loan officer the moment you ask.
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 in about 60 seconds.

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

See my rate options →