Mortgages that make sense
Buying, refinancing, or renewing: get your lowest mortgage rate today. Own it with Pine.

The reviews are in
Andre Rocha,
Pine customer since September 2023
Ankur Anand,
Pine customer since July 2023
Jonathan Harris,
Pine customer since May 2022
Lower rates without the hassle?
You won’t find any hidden fees or bait-and-switches here—just clear-cut information in a way that makes sense. With no in-person appointments necessary; you can apply, check your status, and get approved entirely online.
Relax, we’ve got it covered.
Your dedicated Pine agent works behind the scenes to get you access to best-in-class mortgage products at realistic rates that you can afford. Apply now, and receive your personal quote—free.
How Pine offers the lowest rates
We work directly with our customers and skip the middlemen
We are a direct lender, eliminating extra fees and middlemen. That means we have more flexibility to offer you lower rates.
Powered by Pine
We developed our own software to automate many administrative tasks for our advisors and underwriters. This efficiency saves us money, and we pass those savings on to you.
Commission-Free Advisors
Unlike traditional mortgage companies, our advisors are salaried, not commission-based. This approach reduces costs, allowing us to offer you even lower rates.

Apply from home, work, or even on the go.
Find the right mortgage, for your budget and you.
Mortgage payment calculator
Use this tool to help calculate your monthly mortage payments.
Affordability calculator
Use this tool to estimate how much mortgage you can afford
Refinance calculator
Want a lower interest rate or to tap into your equity? Refinancing might be for you
Question? We've got answers.
What’s involved in getting a mortgage from Pine?
Pine wants to make the mortgage process simple.
We are here from start to finish to ensure a smooth, efficient, and delightful experience. Pine has created a simple, easy-to-understand online application, and, with just a few clicks, our experts can start working on getting you approved. Pre-approvals are faster than at the traditional banks (usually within 24hrs), so you can get onto the fun part—shopping for your new home!
With Pine by your side, you need not worry about having to complete any more bank applications. We are your trusted experts, and, if you have any questions, give us a call, and we are here to help.
Does Pine charge any lender fees?
Can I take advantage of the Home Buyer’s Plan with Pine?
Is my data secure with Pine?
The security of your data is paramount. We’ve implemented the highest standards in cyber and physical security, over and above the industry protocols. For more information, please refer to our Privacy Policy.