Forma Mortgage
Your mortgage.
Your way.
Answer a few guided questions. Upload your documents. We'll help you compare lenders and configure the mortgage that fits your life.
Our fee: $900 — simple and transparent.
One application · Multiple lenders · No commissioned-sales games
How it works
We'll walk you through it
One clear question at a time — not a giant mortgage form.
- 1Tell us about yourself
A short guided interview.
- 2Upload your documents
Drag, drop, or snap a photo.
- 3Check your credit
Only with your permission.
- 4Compare lenders
See options side by side.
- 5Configure your mortgage
Tune rate, points, and cash.
- 6Close
A human expert when you need one.
Why Forma
Straightforward on purpose
$900 fee
A simple fixed brokerage fee — no matter which mortgage you pick.
Transparent comparison
Rate, APR, cash to close, and ownership-period cost — side by side.
Helpful recommendations
We explain tradeoffs. We don’t slap a mystery “BEST” badge on anything.
No incentive to steer
Our fee doesn’t change if you pay points or pick a higher rate.
Human expert available
Talk to a licensed mortgage professional anytime.
You’re in control
Change assumptions and immediately see the impact.
Try it
See how choices change cost
Move the controls — payment, cash to close, and five-year cost update together.
Tune the tradeoffs
Forma fee stays $900 — this control never changes our compensation. Figures are illustrative demo pricing for a $650,000 Arizona purchase.
Beat my deal
Already have a quote?
Upload your Loan Estimate. We'll explain it and show how it compares — clearly labeled when demo pricing is used.
Upload a Loan EstimateSecurity
Your info stays private
- ✓Documents are private — short-lived signed access only.
- ✓Credit is only accessed with your permission.
- ✓No hard credit inquiry without explicit authorization.