Earnest

Earnest focuses on borrowers with a strong financial profile, often graduate students or professionals. They utilize a holistic underwriting process, considering factors beyond just credit score, such as savings rate and employment history. Earnest offers competitive fixed and variable interest rates and allows for flexible payment options, including the ability to skip payments in certain circumstances. They offer loan amounts up to $750,000 and cater to borrowers seeking personalized service and a data-driven approach to refinancing.