Your home for industry-leading low mortgage rates and award-winning service

Whether this is your first time buying a home, or you are looking to refinance your mortgage at a great rate, we are here to guide you every step of the way. Bank of Internet USA offers a wide range of mortgage products, and our friendly mortgage consultants will help you secure the perfect mortgage for your situation.

Buying a Home

A Comprehensive Homebuyer's Guide

Buy your home with confidence with guidance from our trusted mortgage specialists. The Bank of Internet USA Guide to Buying a Home features educational resources, helpful tips, and insights into the home purchase and financing processes for first-time and experienced home buyers alike.


Refinance Your Mortgage

If you have an existing mortgage, then refinancing your mortgage could be an excellent way to reduce your interest rate, , and improve your terms. Let a friendly, experienced Bank of Internet USA Mortgage Consultant show you how you can save money through a mortgage refinance.

Home Equity

Use the Equity in Your Home

If you need money for an investment or large purchase, you can use the equity you've built up in your home to your financial advantage. We can help you find the best way to use your home equity, whether it's through a Home Equity Loan, a Home Equity Line of Credit (HELOC), or a Cash-Out Refinance.

Mortgage Options

Custom Mortgage Products

Bank of Internet USA offers a comprehensive range of custom mortgage products that can be tailored to your unique financial needs and goals as a homebuyer. Explore such mortgage options as , , , and to find the one that's right for you.

Mortgage Rates

Industry-Leading Low Mortgage Rates

Bank of Internet USA's innovative branchless banking model allows us to offer industry-leading low mortgage interest rates. That's just one of the advantages of banking with the mortgage experts of BofI USA.

Costco Members

Costco Members Mortgage Services

Bank of Internet USA is a Preferred Lender for Costco Members. This means that if you are a Costco member, you can benefit from exclusive mortgage deals from BofI USA. See how much you can save!

Why Bank of Internet USA?

Discover is your best choice for home loans:

Low Mortgage Rates
Our unique branchless structure saves us money, which we pass along to you in the form of lower mortgage rates.

Award-Winning Service
Our are a quick click or call away, ready to help you and the . They are fully committed to your satisfaction.

Loans That Fit Your Needs
All of our mortgage options can be customized to fit your personal financial goals as a homebuyer, including set forth by Fannie Mae and Freddie Mac such as Super Jumbo Loans.

Makes-Sense Underwriting
Our personalized lending approach accommodates complex financial structures, high loan amounts, and unique properties.

Quick Close-of-Escrow
Our simple, streamlined process allows us to close your loan quickly without the headaches of a long drawn-out escrow process.

Bank of Internet Home Loans - Get an Instant Rate Quote

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