The mortgage,
reimagined.
An independent mortgage brokerage shopping 50+ lenders for you. Lower rates, faster closings, and the gold standard of broker-led service.
Instant Rate Estimator
Built for both sides of the close.
Find your rate in 3 minutes.
A soft-pull pre-approval, transparent fees, and a team who answers texts. Lock today, close in two weeks.
- No hidden fees
- Live rate alerts
- Same-day decisions
Close 30% faster with 8Twelve.
A dedicated partner portal, co-branded materials, and a TPO desk that responds in minutes — not days.
- Realtor + Builder programs
- White-glove support
- Real-time loan status
Estimate your monthly payment
A modern brokerage, run by humans.
Decisions in minutes
We shop your file across 50+ lenders in the background while you keep house-hunting.
Transparent by default
Every fee, every step, all in one dashboard. No surprises at signing.
Smart rate alerts
We watch the market 24/7 and tell you the moment to lock.
Two ways to move forward.
Whether you're stepping into your first home or rewriting the terms on the one you already own, 8Twelve shops 50+ lenders to land you a rate that actually fits your life.
Buy your next home with confidence.
From first-time buyer to luxury jumbo, we structure financing up to 95%+ LTV with programs tailored to your goals — not the lender's quota.
- Rates from 50+ lenders, side-by-side
- Soft-pull pre-approval in under 10 minutes
- FHA, VA, Conventional, Jumbo & DSCR
Lower your rate. Free up your cash.
Drop your monthly payment, pull tax-advantaged equity, or shorten your term. We model every scenario in plain English before you commit.
- Cash-out up to 80% LTV
- Rate-and-term + streamline options
- Investment & second-home programs
Frequently asked.
How fast can I get pre-approved for a mortgage?
+
Most borrowers receive a soft-pull pre-approval in under 10 minutes. A full underwritten approval typically takes 24–48 hours once income and asset documents are uploaded.
Does 8Twelve handle both home purchase and refinance loans?
+
Yes. We offer purchase mortgages (FHA, VA, Conventional, Jumbo, DSCR) and refinance options including rate-and-term, cash-out, and streamline refinances across all 50 states where licensed.
How much can I borrow on a refinance?
+
Conventional rate-and-term refinances typically allow up to 97% LTV, FHA up to 97.75%, VA up to 100%, and cash-out refinances up to 80% LTV depending on the loan program and your credit profile.
Are there any fees to apply or get a rate quote?
+
No. Pre-approvals and rate quotes are free and never affect your credit score. You only pay standard closing costs if you choose to move forward and close your loan.
Ready when you are.
A 3-minute application gets you a real rate — with no hit to your credit.