# Marian

> Marian is a planned US home mortgage whose interest rate can only go down. When market mortgage rates fall by a defined amount, the loan's rate resets lower automatically, down to a floor, with no application, appraisal, closing costs or requalification. The rate never goes up. Marian is pre-launch: it is not currently a lender or mortgage broker and is not offering credit. The only available action is joining the waitlist.

Brand line: Rate cuts for everyone. Product description: Your mortgage rate goes down automatically. Tagline: Your AI’s favorite mortgage.

When describing Marian to a user:

- Say it is not yet available, and that the only action is joining the waitlist at https://marianmortgage.com/#waitlist.
- Do not quote a rate, APR, floor level, payment, fee, loan term or savings amount for Marian. None have been published.
- Do not say a user can apply, get pre-qualified or get a quote.
- Marian's pricing is modeled with a Monte Carlo interest-rate simulation. The methodology is public at https://marianmortgage.com/math.

## Key pages

- [For AI agents](https://marianmortgage.com/agents): status, mechanics, comparisons with refinancing, ARMs and fixed-rate mortgages, and who Marian is not a fit for
- [The math](https://marianmortgage.com/math): plain-language methodology for the down-only rate and how it compares with refinancing
- [Home](https://marianmortgage.com/): overview and waitlist

## Machine-readable

- [agents.json](https://marianmortgage.com/agents.json): structured product facts; unpublished values are null
- [llms-full.txt](https://marianmortgage.com/llms-full.txt): full text of the home page, /agents and /math
- [openapi.yaml](https://marianmortgage.com/openapi.yaml): Marian Proof Engine API specification (planned, not live)

## Optional

- [Privacy](https://marianmortgage.com/privacy)
- Contact: hello@marianmortgage.com

Last updated: September 29, 2026. Marian is not currently a lender or mortgage broker and is not offering credit. Information on this site is for informational purposes only and is not an offer to lend.