We Fixed Mortgages
Your rate shouldn't include
someone's commission.
Most mortgage companies mark up rates and fees. That markup is how they get paid, and you never see it. We charge a fixed, flat lender and borrower compensation of $5,750 and pass near-wholesale pricing through to you. You can see the actual rates yourself.
We NEVER run your credit unless we both agree.
Consumer protection, applied
Three things your retail lender won't do
Most lenders work for the spread. We work for the borrower.
Show you live wholesale pricing
Percentage compensation gives loan officers a reason to sell you a higher rate. Our fee is flat and our rates page shows live rate and point combinations, the same pricing we see, with our compensation disclosed to the dollar.
Fully underwrite before you offer
Your file goes through underwriting before you shop. Your offer competes nearly like cash: cleaner contingencies, faster closes, and almost no risk of financing falling through.
Make you a cash buyer
Our cash buyer program uses interim financing so qualified buyers can close with no financing contingency at all, then refinance into long-term financing after closing.
Stack the savings
One team for the purchase and the loan
Real estate and mortgage in the same Slack channel means no finger-pointing between your agent and your lender. They're the same people, and the savings stack.
Buyer rebate (12-mo avg)
$51,669
Flat mortgage fee
$5,750
Rebate average across closings in the rolling 12 months ending 2026-07-26. Your rebate depends on your contract's buyer-broker fee.
Mortgage FAQ
Straight answers about rates and fees
What's the difference between wholesale and retail mortgage rates?
Lenders offer brokers wholesale pricing; retail banks and most lenders add margin on top of it. That markup is how loan officers get paid. Arrivva charges one flat fee instead, so the wholesale pricing passes through to you.
What does the $5,750 flat fee cover?
Our complete lender and borrower compensation for originating your loan, fixed regardless of loan size. On a typical California-sized loan, percentage-based compensation would cost several times more.
Can I really see live rates?
Yes. Our rates page shows live rate and point combinations based on your scenario, the same pricing we see. Rates are lockable once you have a full application and DU approval.
What is a fully underwritten preapproval?
An underwriter reviews your income, assets, and credit before you shop, not after you're in contract. Sellers treat your offer almost like cash because the financing risk is largely already cleared.
What is the cash buyer program?
With interim financing, qualified buyers can close as cash buyers with no financing contingency, then put long-term financing in place after closing. In a competitive market this can be the difference between winning and losing the home.
Will you run my credit just to give me a quote?
No. We never run your credit unless we both agree it's the right time.
Do I have to use Arrivva for real estate to use Arrivva Mortgage?
No, but pairing them stacks the savings: a buyer rebate on the purchase plus flat-fee, near-wholesale financing, with one team coordinating both sides in the same Slack channel. We're real estate brokers too, so commitment and closing dates actually mean something to us.
Client reviews
Clients on Arrivva Mortgage
Real reviews from real closings. Every one of them is on our reviews page, and on Google, Zillow, and Yelp.
“Their fee structure alone saved me over $200,000... There was no pressure, no ego, just smart advice grounded in data and experience.”
“Fantastic experience with Fred and team. Sold in less than 30 days with multiple offers and all cash. Can't recommend enough”
“They also had the lowest rates and fees I could find for my mortgage. When issues arose with the lender, Fred made sure everything went through smoothly.”
Want the rate without the markup?
Check live rates, or tell us about your purchase or refinance. No credit pull, no pressure. Just numbers.
Calls and texts are answered by Amy, our AI assistant, who can answer questions and help you book.