Warp Speed Mortgage Review
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Warp Speed Mortgage Reviews

Angela Mae Watson


Angela Mae Watson

Fast Mortgage Closing Times
Fast Mortgage Closing Times
About Warp Speed Mortgage

Warp Speed Mortgage is an Equal Housing Lender that offers home purchase and refinancing to prospective home buyers and homeowners. Their loan products include traditional mortgage loans — like Conventional, FHA, or VA loans — and Speciality Portfolio mortgages.

Warp Speed Mortgage uses innovative technology to make home financing faster and more efficient for customers. They also offer a convenient online lending experience that makes it easy for people to shop around for different loan options — even from home.

Warp Speed Mortgage provides 24/7 customer support from home mortgage specialists who can help new and experienced homeowners throughout the lending process. They also offer an online pre-approval process and quick closing times.









Warp Speed Mortgage Mortgages Review

Warp Speed Mortgage provides a large range of home loan options, which includes Conventional loans, FHA loans, VA loans, USDA loans, and Jumbo loans. They also offer specialty loans, such as short-term business real estate loans, bridge loans, land loans, bank statement loans, construction loans, and condo-hotel financing. In some states, mortgage refinancing is also available.

As a direct lender, they also have their own pre-approval process and secure online application. Not only that, but they have a rate table, also known as a mortgage calculator, that lets prospective borrowers choose and apply for their desired loan program at the desired interest rate.

Warp Speed Mortgage Mortgages Highlights


min $100,000


15, 30 years




6% - 7.625%


14 days















Pros & Cons

  • Streamlined online application process
  • Access to an experienced home loan officer
  • $2,000 credit toward closing costs (under the 14-day closing guarantee)
  • Current standard rates and terms clearly listed online
  • Option to complete the closing process remotely (in certain states)
  • Specific rates and terms not available without completing an application
  • Live chat feature is glitchy
  • Funding and approval times not clearly listed

Mortgage Type

  • Mortgage Purchase
  • Mortgage Refinance
  • Fixed
  • Home Improvement
  • FHA
  • USDA
  • VA
  • Jumbo

Warp Speed Mortgage Mortgages Terms & Requirements

Warp Speed offers Conventional home loans, as well as FHA, VA, USDA, and Jumbo loans. They also provide refinancing options and specialty home loans, such as construction or land loans. The typical requirements for a loan include:

  • Tax returns
  • Proof of income (ex. pay stubs)
  • Bank statements
  • Personal identification and SSN

The exact loan terms and rates require pre-approval and information verification. However, most terms are fixed with 15- and 30-year options being the most common. The annual percentage rate (APR) tends to be around 6% to 7%.

How to Apply

If you’re interested in applying for a home loan through Warp Speed Mortgage, head to their website and click “Apply Now.” This will direct you to their mortgage calculator where you can input certain details about the mortgage loan, such as:

  • Choose whether you want to purchase or refinance your home
  • Property type and primary purposes
  • The home purchase price
  • Estimated down payment
  • Property zip code
  • Whether this is your first home
  • Whether you’re a veteran
Step 1

Home page

After submitting this information, you’ll see the different loan options available to you. You can then click on each option for more details. Once you find an option that suits your needs, click “Apply.” you can then create a profile with the company and fill out the online application. During this process, you’ll be connected to a client manager to help with the rest of the loan process.

Part of Warp Speed Mortgage’s pre-approval process also involves providing certain documentation to the lender. The lender will then review this information, check your credit, and evaluate your financial situation. If all goes well, they’ll then send you a preapproval letter to show to sellers.

Unlike some lenders, Warp Speed Mortgage does the initial underwriting process first. This is meant to speed up the lending process. After that, you’ll reach the processing stage, which is when the lender’s smart technology further reviews your application and applies any final conditions to your loan. You’ll be able to work with a client manager during this time, as well as through the final underwriting and eClosing processes.

Qualification Requirements

Although Warp Speed Mortgage doesn’t specifically list their requirements online, here’s what you may need to qualify:

  • Be at least 18 years of age
  • Min. Credit score: 580 recommended
  • Meet certain minimum credit score and income requirements
  • Maximum recommended DTI (debt-to-income) ratio: 50%
  • Min. annual income: Undisclosed
  • Citizenship/residency: Undisclosed
  • Have proof of identity, employment, and income
  • Have a valid bank account

Required Information

To get started with Warp Speed Mortgage, click “Apply Now” and use the lender’s online loan calculator to figure out the loan type and amount you might need. After that, complete the pre-approval process and proceed to the loan application. Be prepared with some information, such as proof of income, employment, assets, liabilities, and identity.

Required documents

  • Paystubs from the most recent 30-day period
  • W-2’s and/or 1099’s from the past two years
  • 2+ years’ tax returns (personal and business, if applicable)
  • 2 months’ worth of bank statements
  • 2+ months’ worth of statements from any investment or retirement accounts
  • ID verification
  • Recent mortgage statement, income taxes, homeowner’s insurance declaration page, and HOA statement (for current property owners)

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

Not Available - Delaware.

Privacy & Security

Warp Speed Mortgage is a dba of CalCon Mutual Mortgage, LLC and a direct mortgage loan lender. They’re licensed to service loans throughout the country, though not all loan products are available nationwide.

This lender is transparent about matters of privacy and security. Their privacy policy page details the type of information they collect and share, and why. Commonly collected information includes SSNs, credit reports and history data, payment history, and employment information. They primarily collect this information when someone applies for a loan, makes a payment or deposit, or provides their identification.

Warp Speed Mortgage uses various digital and physical security measures as required by federal law. These measures include an encrypted online application.

Customer Support

Although Warp Speed Mortgage has a digital lending process, they also provide phone and email customer support. The company also has an online chat feature that connects the user with a robot that can answer basic questions about the company’s products and lending process. If the bot is unable to answer questions, it will connect the user to a live representative instead.

CalCon Mutual Mortgage dba Warp Speed Mortgage is accredited and has an A+ Rating and 3.14 out of 5 stars on the Better Business Bureau (BBB). Most customer reviews indicate that they received professional, efficient, and friendly customer service.

Phone Support
(877) 707-2056
9am-5pm EST

In Conclusion

Warp Speed Mortgage is part of OneTrust Home Loans/CalCon Mutual Mortgage, LLC. They’re an online lender that offers a fast digital experience. They offer an array of home loans and home refinancing options. The company’s website is also easy to navigate and has helpful information about buying a home.

Not all loan products are available in all states, however. Some of their loan programs are also dependent on the property and borrower’s eligibility. The exact availability is not disclosed until after you apply or speak with a loan officer.


Are the rates and terms available online?
Warp Speed Mortgage has a rate calculator you can use to get an estimate of your APR and closing costs before applying for a loan. They also show the current mortgage interest rates.
What is this lender’s 14-business day closing guarantee?
This is a guarantee that your home will close within 14 days, or you will receive a $2,000 line-item credit at closing time. You must meet certain requirements to qualify.
Does Warp Speed Mortgage offer refinancing?
Yes, this lender provides mortgage refinancing to eligible borrowers.

Warp Speed Mortgage Disclaimer

Loans Provided by Warp Speed Mortgage, a dba of CalCon Mutual Mortgage LLC NMLS #46375 (www.nmlsconsumeraccess.org); 3838 Camino del Rio N Suite 305, San Diego, CA 92108. Corporate phone (877) 707-2050. For licensing information, go to: www.nmlsconsumeraccess.org © 2013 – 2021 Warp Speed Mortgage By refinancing your existing loan, your total finance charges may be higher over the life of the loan. (Reference: 10 VAC 5-160-60 (F)) All products are not available in all states. All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice. 14 Day Closing Guarantee


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Angela Mae Watson

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.