Rate cuts for everyone.
Your mortgage rate goes down automatically(see footnote below) when market rates fall. When they rise, it stays put.
Your rate can keep dropping until it reaches a floor, a minimum rate set in your loan terms. Marian is not yet available.
Today, your rate subsidizes someone else’s refinance.
Every mortgage rate includes a charge for the right to refinance. People who watch rates and can requalify cash it in. Everyone else pays for it without using it.
Standard mortgage
- Rates fall. You have to notice.
- Reapply, re-appraise, requalify.
- Pay closing costs and wait weeks.
- Or never do it.
Marian
- Rates rise. Your rate holds.
- Rates fall. Yours drops that day.
- Nothing to fill out. Nothing to requalify for.
- Same loan, same servicer.
AI agents are about to make it worse.
- They can already see your mortgage.
- They’ll refinance at every chance, paying closing costs each time.
- So every mortgage costs more, even if you never refinance.
Marian gives you the rate drop you’re already paying for, automatically.
Marian makes housing more affordable.
About 1 in 5 homeowners who would clearly have benefited from refinancing hadn’t done it. Marian passes rate drops to every borrower, automatically, so when rates fall, housing gets more affordable for everyone with a Marian mortgage.
Source: Keys, Pope & Pope, ‘Failure to Refinance,’ Journal of Financial Economics, 2016.
Bar chart. Bars ordered tallest to shortest: Never refinances, Typical borrower, Refinances perfectly.
Illustrative, from our pricing model.
Math, not marketing.
We price Marian by simulating the paths interest rates could take, and we publish how it works.
An AI assistant asks
Compare Marian with a standard fixed-rate mortgage for my user’s scenario.
The Proof Engine returns the range of outcomes
Rate cuts for everyone.Be first in line.
Marian isn’t lending yet. Join the waitlist and we’ll let you know when it’s available where you live.