Text us your scenario
Just describe your situation in plain English: "Buying a home in Virginia, $380k purchase price, 720 credit score." A real licensed expert on our team reads it — not a robotic auto-reply loop.
Real humans. Zero phone calls.
Skip the cold calls.
Text your way to a lower mortgage rate.
No formal phone interrogations. No endless forms that sell your data to 50 random lenders. Just real mortgage experts giving you straight, honest answers — right on your phone.
🔒 Encrypted & secure
🚫 Never sold to spam callers
✅ NMLS Licensed
MortgageByText · (804) 212-8663
Online · Mortgage Expert
Today · 9:14 AM
Hey! What's my rate for a $420k home in Virginia? 720 credit score.
Hi! Great question. Based on your profile, you're looking at rates around 6.5–6.875% on a 30-yr conventional right now. Want me to run a few options?
Yes please! No rush — whenever you get a chance.
Of course! Sending 3 custom loan options now. Zero pressure, zero spam calls. 🏠
Also — would you like a soft-pull pre-approval? Won't touch your credit score at all.
That would be amazing. Thank you!
Average reply in under 5 minutes
Purchase, Refi & HELOC
Soft credit pull — score untouched
NMLS #1110647 · NMLS #376205
Our Mission
We hated the traditional mortgage process too.
Everyone knows the drill. You search for a mortgage quote online, and within 60 seconds
your phone starts exploding with spam calls from hungry telemarketers who got your number
from a lead-gen company.
We built MortgageByText to hand the control back to you. You text us when you want.
You reply when you're free. No pressure tactics, no repeated follow-up harassment,
no bait-and-switch. Just a straight conversation with a licensed expert who actually
cares about finding you the right loan.
73%
of mortgage shoppers say unsolicited calls are their #1 frustration
5 min
average human response time on our SMS line
0
spam calls. Ever. We don't do it — period.
100%
text-first experience. Your comfort is non-negotiable.
Simple Process
Three texts to a better mortgage.
No account creation, no uploading forms into a black hole. Start a real conversation — we'll guide you through the rest.
Compare rates on your screen
We text you custom loan options and live interest rates directly — conventional, FHA, DSCR, jumbo, whatever fits your life. Side by side, no fine print buried in a PDF.
Secure your loan via chat
When you're ready to move forward, we send encrypted mobile links so you can snap and upload documents straight from your smartphone camera. No faxing, no office visits, no printer needed.
Instant Text Commands
Text any of these to (804) 212-8663 for instant human support.
Each keyword routes straight to a real mortgage advisor — not a chatbot, not a menu, not a hold queue. A person.
RATE
Today's live rates
See current mortgage and refinance percentages for your loan type and credit profile — no strings attached.
📲 Tap to text RATE →QUALIFY
Your buying power
Find out how much home you can actually afford right now — soft pull only, zero impact on your credit score.
📲 Tap to text QUALIFY →REFI
Could you save monthly?
We'll crunch the numbers on your current loan and tell you honestly if a refinance makes financial sense right now.
📲 Tap to text REFI →HELOC
Tap your home equity
Looking to use your home's equity for renovations, debt payoff, or investment? We'll walk you through your options.
📲 Tap to text HELOC →FHA
Low down payment options
First-time buyer? FHA loans start with as little as 3.5% down. Text us and we'll explain everything simply.
📲 Tap to text FHA →ANYTHING
Just ask your question
Not sure what you need? That's fine. Just text us whatever's on your mind and we'll figure it out together.
📲 Tap to start a conversation →
Common Questions
Straight answers. No runaround.
Things people ask before they text us for the first time.
No. We respect your boundaries completely. Everything stays on secure SMS unless
you explicitly ask for a call. We will never dial your number unsolicited —
that's the whole point of what we built here. You're in charge of how and when we communicate.
Yes. We use end-to-end encrypted routing partners to ensure your personal credit data
and loan information remains 100% private. When it's time to share sensitive documents,
we send you a secure encrypted mobile link — so nothing sensitive ever floats around in
a regular text thread. Your privacy is treated as a feature, not an afterthought.
Yes, absolutely. Once you're ready, we'll send you a secure mobile-friendly link
where you can complete your entire profile from your smartphone — no desktop required,
no printer, no office visit. Most clients complete their pre-approval in under
15 minutes from their couch.
Nope. Our initial rate check and pre-qualification use a soft credit pull —
completely invisible to other lenders and it does not affect your score at all.
A hard inquiry only happens when you're fully ready to submit a formal loan application,
and we always ask your permission first.
We're licensed in multiple states and expanding. Virginia is our home base,
but text us your state and we'll let you know right away if we can help —
or point you toward a vetted partner who can. Either way, you'll get a straight answer fast.
A real, licensed mortgage expert. Always. We use automation only for delivering
helpful info instantly while a human jumps in — but every rate quote, every
recommendation, and every piece of advice you get comes from Duane's team,
not an algorithm.