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Warp Speed Mortgage Reviews


bestfor-icon Fast Mortgage Closing Times

Written by Angela Mae

About Warp Speed Mortgage | Read More


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Mon-Fri 9am-5pm EST
Sat-Sun Closed
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  • help@warpspeedmortgage.com
  • (877) 707-2056
  • Headquarters: 3838 Camino del Rio N Suite 305, San Diego, San Diego, CA, United States, California
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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 Highlight


Min Credit Score


APR. Fixed Rate

Min $100K

Mortgage Amount

15, 30 years

Repayment terms


Soft Credit Pull


Lender Type


Underwriting Fee


Other Fees


Origination Fee


Prepayment Fee

14 Days

Funding Time



Pros & Cons

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

Warp Speed Mortgage

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

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: 680 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)

Application Steps & Time Frames

  • The initial steps — creating an online profile and using the mortgage calculator — only take a few minutes to complete.
  • After you submit the initial application, you’ll work with a Client Manager.
  • You’ll then enter the underwriting phase. At this time, you may need to provide additional documentation.
  • Next is the processing stage. You can work with the Client Manager during this time to iron out any issues and ensure everyone is on the same page. The loan conditions and requirements may change at this stage.
  • Finally, you’ll enter the final underwriting stage. If everything goes well, you’ll move onto closing. Closing times may take as little as two weeks.

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, 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, New York,

Written by Angela Mae

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.



Are the rates and terms available online?

Warp Speed Mortgage’srate calculator provides the real-time loan programs and mortgage interest rates available to you. It also provides an estimate of the APR and closing costs before applying for a loan.

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.

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.

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. 

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.

Brand 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