Home purchase loans
Buy your dream home and save $1,000s on your mortgage.†
Moxie is direct to wholesale, so you skip the retail overhead. Get approved the same day and close in 21 days or less.
- 24 hrsPreapproval decision†
- 360 daysLock and shop†
- ≤ 21 daysClear to close†
Four guarantees
The Ultimate Buyer Advantage
Every Moxie purchase loan comes with protections most lenders don't offer, before and after you close.
Low Rates
Guarantee†
Don't pay for a lender's office and overhead. Moxie is direct to wholesale and passes the savings on to you.
Buyer Rate Protection
Guarantee†
If you aren't happy with your mortgage, we'll cover your lender fees on any refinance to help.
Best Product
Guarantee†
With access to 1,000s of products, we'll help you find the best product for your needs.
Rate Buydown
Guarantee†
We'll knock 1% off your rate for the first year, so your payment starts lower while you settle in.
Speed wins offers
Because time is of the essence
Sellers pick offers they trust to close. Here's how fast Moxie moves, from first application to keys.
- Step 1 · Day one
Same Day Mortgage Approval†
We'll deliver your preapproval decision within 24 hours of completed application.
- Step 2 · While you shop
Lock and Shop
Option†You can lock your rate for up to 360 days while you shop for your dream home.
- Step 3 · Under contract
Clear to Close in 21 Days or Less†
Close in 21 days or less from receipt of your executed purchase contract.
Your next step
How soon do you want to buy your home?
Pick where you are today. We'll point you to the fastest path.
Apply now and get approved same day
We'll help you find the perfect mortgage for the perfect home. The application takes about 10 minutes.
Get approved todayLock your rate for up to 360 days
Avoid paying a higher rate and missing out on that dream home. It's easy to do online and you can be approved same day.
Get Lock and Shop protectionTalk it through with a loan expert
Learn about the homebuying process and how to take advantage of Moxie's buyer benefits. No obligation.
Chat with a loan expertSavings estimator
Watch your savings add up
Our rates have averaged 0.559% lower than the nation's largest retail lender.‡ Here's what that's worth on your loan.
Your estimated savings with Moxie
Estimate only, not a commitment to lend or a promise of savings. Principal and interest on a 30-year fixed loan. Rate and savings vary and depend on borrower's qualification, property specifics, and market conditions.
Ways to make your purchase easier
Get the home and keep your savings
VA and USDA loans let eligible buyers put 0% down. Down payment assistance can cover the rest.
Explore 0% down → Bridge loansBuy your next home before selling
A short-term bridge loan lets you make a non-contingent offer while your current home is still listed.
Learn about bridge loans → CalculatorsSee what you can afford
Run the numbers on payment, affordability, and rent vs. buy in under a minute.
Get my instant analysis →Buying a home can be stressful. We're with you every step.
★★★★★Reviews from Google
“They held our hand every step of the way, explaining every detail with patience and clarity. Thank you, Moxie Mortgage, for making our dream of homeownership a reality!”
“Calvin made what is usually a stressful process completely seamless. His professionalism, transparency, and attention to detail gave me complete confidence that I was in the best hands.”
“Alex Salomons of Moxie Mortgage was great to work with. She was very patient and helpful, guided us through the entire process, provided options, and answered all our questions.”
Home buying questions, answered
Straight answers to what buyers ask us most. See all 100 mortgage FAQs
How long does it take to close a mortgage?
Most lenders typically require 30–45 days to close a mortgage; however, Moxie can close in as little as 10 days, making our buyers' offers more attractive to sellers.
What is a rate lock and should I use one?
A rate lock guarantees your interest rate for a set period, protecting you from rate increases. A standard rate lock is 30 days; however, Moxie has the ability to lock your rate for up to 360 days.
How much do I need for a down payment?
It depends on the loan type: conventional as low as 3%–5%, FHA 3.5%, VA and USDA 0% down for qualified borrowers, and jumbo often 10%–20%.
What's the difference between prequalification and preapproval?
Pre-qualification is an estimate of what you could afford that is missing one or more criteria for a full preapproval, such as proof of funds, verification of employment and income, or a satisfactory review of credit.
Get expert guidance now. No obligation.
Our financing consultants will match you with the best product for your needs at the best price available.
† Offers made by Moxie Mortgage are available only to clients who are purchasing a home and financing with Moxie Mortgage. Certain offers require a minimum purchase price of $300,000 including, but not limited to, $1,000 lender credit for closing costs. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Offers made by Moxie Mortgage may not be redeemed for cash and are non-transferable. Offers cannot be retroactively applied to loans where the rate has been locked. Conditions and exclusions apply.
‡ Based on Moxie Mortgage’s apples-to-apples comparison of weekly rates against Rocket Mortgage from November 2025 to November 2026; average difference 0.559%. Savings estimates compare principal and interest on a 30-year fixed loan at a 6.75% example rate with a rate 0.559% lower. Individual results vary.