New · AI loan officer is live

Get mortgage answers in seconds.

Ask our AI loan officer anything — rates, programs, what you'd qualify for. Trained on real loans the PHX Branch team has closed. When you're ready for a human, we're one tap away.

Start application
Soft inquiry — no credit hit
24-hour pre-approval
No spam, ever

PHX Branch AI Loan Officer

● Online · replies instantly

What rate could I get on a $450k home with 720 credit?
Great question. With 720 credit and 20% down, a 30-yr fixed conventional is landing around 6.49% – 6.75% today. Want me to check FHA or jumbo too?
Yes, and what would my monthly be?

Powered by GroundFloor AI · trained on the PHX Branch playbook

Pick your path

Start the conversation where you are.

Tap one — the AI loan officer opens with the right context.

24 hrs

Average pre-approval turnaround

98%

On-time close rate, last 12 months

4.9 / 5

Average client rating across reviews

"The PHX Branch team closed our first home in 19 days. The AI chat answered every weird question I had at 11pm."
— Marisol R., first-time buyer
"I send every buyer here. Pre-approvals are real, communication is constant."
— Daniel K., realtor

How it works

Three steps. No surprises.

The AI handles the questions traditional lenders make you wait for. Then a real human takes it across the finish line.

Skip to application
  1. 01

    Ask the AI

    Rates, programs, what you'd qualify for, payment math. Zero credit pull.

  2. 02

    Get matched

    If it makes sense, we hand off to the PHX Branch team with your context already loaded.

  3. 03

    Close on time

    Locked timeline, weekly updates, zero last-minute drama.

Ready when you are.

Ask the AI a question now — or start your application. Either way, you'll have answers today.

Apply