Guides
Customize Your Loan
Achroma can customize your loan to meet your specific need, from interest rates and lock-in periods to loan terms. Let’s walk through the details of how customize your loan and find the perfect fit
A brave new mortgage marketplace.
We believe that lenders should fight for your business, on the fairest terms – your terms.
How it works.
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:
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Guides
How Mortgage Points Work
It’s important that you understand how mortgage points work because they are a component of the total cost of a mortgage. Let’s start with a mortgage points definition and then we can talk about how mortgage points work.
Guides
The Equifax Credit Data Breach, How to Handle it
The Equifax credit data breach affected 147 million people. This would include most of the adults in the United States. Chances are, your data was compromised by this breach too.
Guides
How to Successfully Shop for a Mortgage
Shopping for a mortgage is challenging but if approached with the right strategy can lead to huge savings.
Guides
Should I Rent or Own a Home?
Figuring out whether you should continue to rent or make the jump into homeownership can be complicated. Here’s an easy guide to help you make the decision.
Guides
What Is a Non-Commissioned Loan Coach?
If you’ve read through our site then you might have seen Achroma employs non-commissioned Loan Coaches to guide borrowers through the mortgage process. But what exactly does that mean? Let’s