As an innovative platform built to make homeownership more affordable, Hoot combines our flat-fee real estate model with our exclusive Smart Loan product — so you save on the purchase and on your monthly payment.

We've already helped 22,175+ homebuyers and saved them $125M+. And we're just getting started.

$9,600

Average Savings

About $400/month for the first two years

$1,950

Flat Fee

Save the 3% commission on your home purchase

Streamlined

Process

Decades of experience in boosting efficiency

Smart Loan

Hoot Product

Unbelievably low monthly payments with commission savings

Ready to save thousands on your home purchase?

Hoot Commission Savings

See how much you'll save with Hoot

Traditional real estate commissions cost 3% of your home price. With Hoot's $1,950 flat fee, you keep thousands in your pocket.

How the Hoot Advantage works

Find Your Home

Let us know which home you'd like to put an offer on. By working with you, we save money and pass those savings on to you.

Buy with Confidence

Your Hoot agent helps you win the bid and navigate the buying process with expert guidance.

Save the Commission

We collect a $1,950 flat fee and you save the 3% commission — thousands back in your pocket.

Get a Hoot Smart Loan

Use the commission savings wisely to get unbelievably low monthly payments.

22,175+

Homebuyers Served

$125M+

Money Saved

Calculate your savings

Home Purchase Price$500,000

$100K$2M

Traditional 3% Commission$15,000

Hoot Flat Fee$1,950

Your Total Savings

$13,050

That's 87% saved on commission fees

Average monthly savings: $544/mo over 2 years

What could you do with $13,050?

✓Lower your monthly mortgage payment
✓Upgrade appliances or make home improvements
✓Build your emergency fund
✓Invest in your future

Loan Programs

Find your perfect loan program

Whether you're a first-time buyer, veteran, or looking to refinance — we have the right program for you.

Enter your information to see which programs you qualify for

Credit Score *

No credit impact — this is just for program matching

Down Payment % (Optional)

Not sure which program is right for you?

Simple process

How Hoot works

From application to closing, we've made getting a mortgage as simple as possible.

1

Complete one application

Fill out a single, streamlined application in about 10 minutes. We'll ask about your goals, finances, and the home you want to buy or refinance.

2

We shop 82 lenders

Our technology instantly submits your profile to our entire network of top lenders, who compete to offer you their best rates and terms.

3

Compare your offers

Review side-by-side comparisons of every offer — rates, fees, monthly payments, and total cost — with no hidden surprises.

4

Close with confidence

Choose your loan, and your dedicated Hoot advisor guides you through every step to closing day. Average closing time: 21 days.

Smart Shopping

One application. Every lender.

Stop wasting time filling out forms on dozens of lender websites. Hoot's single application reaches our entire network of 82 top lenders simultaneously, so you get competing offers in minutes.

Single application, multiple lender offers
Real-time rate comparisons side by side
No impact to your credit score to shop
Expert guidance to choose the best offer

Mortgage rate comparison dashboard with purple owl mascot

Best Rate Guarantee

We find the rate you deserve.

Our proprietary matching technology analyzes your unique financial profile and matches you with lenders most likely to offer you the best terms — not just the best advertised rate.

AI-powered lender matching
Rate lock protection available
If rates drop, your payment can too
Transparent fee comparison

Loan advisor meeting with couple reviewing mortgage options

Guided Experience

Expert support at every step.

From pre-approval to closing, your dedicated Hoot loan advisor is with you every step of the way. We handle the complexity so you can focus on what matters — finding your perfect home.

Dedicated loan advisor assigned to you
Average closing in 21 days
Digital document collection and signing
Real-time application status updates

Why homebuyers choose Hoot

We've reimagined the mortgage experience from the ground up to put you — the borrower — first.

82 lenders, one application

Stop filling out the same form over and over. One application reaches our entire network of top lenders simultaneously.

Best rate guarantee

Our AI matches your profile to the lenders most likely to offer you the lowest rate. We put your savings first.

Pre-approved in 10 minutes

Our streamlined digital process gets you a pre-approval letter in about 10 minutes with zero credit impact.

No hidden fees

Transparent pricing, always. We show you the full cost of every loan offer — rate, APR, fees, and total cost.

Expert advisors

Every Hoot customer gets a dedicated loan advisor who guides them from application to closing day.

Close in 21 days

Our digital-first process and lender relationships help you close faster than the national average of 43 days.

Rates dropped today

Today's featured rates

Updated March 10, 2026 · Based on 20% down, 780+ credit score

30-Year Fixed

6.49%

6.61% APR

-0.12%

15-Year Fixed

5.87%

6.02% APR

-0.08%

5/1 ARM

5.62%

6.15% APR

-0.05%

FHA 30-Year

6.12%

6.89% APR

-0.10%

VA 30-Year

5.99%

6.21% APR

-0.15%

Rate Disclaimer: Rates shown are sample rates for illustrative purposes only and assume a 780+ credit score, 20% down payment, owner-occupied single-family home, and $400,000 loan amount. Your actual rate will vary based on credit profile, loan-to-value ratio, property type, loan amount, and other factors. Rates are subject to change without notice. Not a commitment to lend. Hoot Home Loans NMLS #XXXXXXX. Equal Housing Lender.

New Partnership

Free AI-powered credit boost

Clean up your credit report and improve your score — completely free. Save up to $200 per disputed account while we prepare your mortgage strategy.

No Service Fees

$0 Service Fees

Traditional credit repair charges $200 per account. Our AI-powered service is completely free — only a $75 deposit for actual expenses (if incurred).

FCRA Compliant

100% Legal

AngelAI follows all Fair Credit Reporting Act guidelines, engaging with creditors on your behalf to resolve disputes professionally and legally.

Automated & Efficient

AI-Powered

AI handles all communication with credit bureaus and creditors — no manual labor costs, which is why there are no service fees.

Service Fees

$200

Saved Per Account

$75

Max Deposit

30–60

Days to Resolve

How it works

Report Your Dispute

Tell AngelAI about errors, outdated info, or unfair negative marks on your credit report.

AI Handles Everything

The AI follows FCRA guidelines and engages with creditors to resolve disputes on your behalf.

Watch Your Score Improve

Track progress as disputes are resolved and your credit score climbs — qualifying you for better rates.

We Build Your Mortgage Plan

While AI cleans your credit, our advisors prepare your personalized mortgage strategy so you're ready to buy.

Start your free credit boost

No service fees. Only $75 deposit for actual expenses (if incurred).

Mortgage Calculator

Calculate the possibilities

Estimate your monthly payment and see how much you could save by shopping with Hoot.

Your loan details

Home Price$400,000

$100K$2M

Down Payment20% ($80,000)

3%50%

Interest Rate6.75%

3%12%

Loan Term

Estimated monthly payment

$2,076

Principal & interest only

Loan amount

$320,000

Total interest

$427,185

🦉

Hoot Savings Estimate

vs. average competitor rate (7.25%)

Monthly savings

$107

Lifetime savings

$38,682

No credit impact · Results in 10 minutes

Mortgage Education

Free resources & expert tips

Learn from @ThatMortgageGuy's viral TikTok content. Over 865K followers trust Scott's straightforward mortgage advice.

🎵

865K+

TikTok

@ThatMortgageGuy

📸

161K+

Instagram

@thatmortgageguy_

🌐

17.3M+

Total Reach

Across all platforms

Down Payment

2.1M views

Do you NEED 20% down to buy a house?

187K 4.2K Share

First-Time Buyers

1.8M views

The #1 mistake first-time buyers make

142K 3.8K Share

Loan Programs

1.4M views

FHA vs Conventional — which is better?

98K 2.9K Share

VA & USDA Loans

3.2M views

How to buy a house with $0 down

312K 7.1K Share

Credit Score

2.7M views

What credit score do you need to buy?

241K 5.6K Share

Hoot Savings

1.9M views

How I saved $13,000 buying my home

176K 4.4K Share

Follow on TikTok Follow on Instagram

Have a specific question?

Real Stories

Real homeowners. Real results.

4.95 out of 5 from 93+ verified reviews

Google· 2 weeks ago

Jennifer M.

Baltimore, MD

First-Time Homebuyer

"Scott made the impossible possible! As a first-time buyer, I was nervous about the process. He walked me through every step and got me closed in just 15 days. His TikTok videos prepared me, but his personal service exceeded all expectations!"

Showing 1 of 13 featured reviews

Common questions

Owl you need to know

Have more questions? Our team is available 7 days a week.

Still have questions?

Our mortgage experts are available 7 days a week to help.