We believe that lenders should fight for your business, on the fairest terms – your terms.
Achroma is a digital mortgage marketplace that uses anonymization to remove discrimination and bias from the home lending origination process.
We built Achroma from the ground up because despite regulations, bias, discrimination and disparity still plague the mortgage industry. You can learn more about just how widespread this problem is by visiting our news section.
At Achroma, we’re completely digital, including our state-of-the-art application. You can complete the entire process from shopping for the right loan from the right lender, to applying and loan approval right from our site. If you need any help along the way, we have humans too. Our dedicated, non-commissioned Loan Coaches will answer any questions you may have or help guide you through the process.
Achroma is a mortgage marketplace where you can shop the rates from different lenders. We provide their real-time pricing, giving you full transparency and choice in selecting a lender and loan option.
Our proprietary, anonymization technology is how Achroma guarantees that there is no opportunity for bias in a lender’s pricing or decision making. We’ll remove your name, date of birth, address, social security number and any other identifying information from your application before we send it out for approval. This way the lender is only considering the financial and credit aspects of your file. Once your loan has been approved then we will release that information to the lender so they can move towards a closing. Learn more about our Bias Free Commitment.
The mortgage process can be complicated but it doesn’t need to be. One of the best ways to find the right mortgage and have the best experience is to arm yourself with some knowledge.
Here are the latest articles and guides that we’ve developed to help you along the way:
If you have ever borrowed money from a bank or lender before, you have a credit report. This important document follows you throughout your life and affects you in ways that you may not even realize.
When you apply for a mortgage, lenders look at more than your credit score. They also need to know your mortgage ratios – your debt-to-income (DTI) and loan-to-value ratios (LTV).
Shop around with confidence