The product is currently available for a limited number of Wealthfront clients who plan to buy or refinance a home in Colorado. It will expand to Texas, California and additional states in the coming months, a press release from the company confirmed. Clients can join a waitlist to express interest.
Full rollout is expected in early 2026. Until then, the company will be focused on adding an improved set of features, including prequalification from the Wealthfront dashboard and preapproval in minutes for most applications.
Wealthfront claims its platform reduces the cost of loan origination, allowing it to offer lower mortgage rates. The company is aiming to make getting a mortgage easier, cheaper and more transparent, with no hidden fees, no sales calls and a self-serve application.
“Mortgage rates are among the most important deciding factors for new home buyers, and have a huge impact on the homeowner’s finances over time,” David Fortunato, CEO of Wealthfront, said in a statement. “We are excited to help our clients reach this important financial milestone by offering a lower rate through the automated platform they already trust to grow their savings and investments.”
The company said it has seen strong demand since launching its home lending waitlist earlier this year. The data indicates that the median age of waitlist users is 35, with about $310,000 in Wealthfront accounts. Most reported that they plan to buy within six to 12 months.
Within the planned early access states, a large portion of signups came from clients living in San Francisco, Denver, Los Angeles and Austin.
Wealthfront currently serves 1.3 million clients, and its home lending debut is the newest addition to its product lineup.
Other recent launches include Nasdaq-100 Direct, which offers the tax benefits of direct indexing on the Nasdaq-100 Index, and an updated joint cash account that combines checking features with a 3.5% APY from partner banks.
