What Chestnut does
Chestnut is the first AI mortgage lender. We automate 99% of human work with AI agents, saving customers 0.5%+ in interest. This is Spencer's second mortgage startup; the first processes 2% of US mortgages annually. So far, Chestnut is licensed in Texas and Colorado where we power purchases, refinances, cash-outs, and more.
1 open role
What the role involves
Tl;dr Chestnut is hiring a Software Engineer to help Americans save billions of dollars per year. Chestnut Chestnut is the first AI mortgage lender. Our AI agents automate the mortgage process and save consumers 0.5%+ in interest. Founder Spencer Brown’s last startup built software used by a top-10 mortgage lender to power $85B+ of loan volume and all aspects of loan processing. During that time he learned how AI could be used to automate the mortgage process and save consumers billions of dollars per year. Realizing that traditional lenders weren’t poised to adapt to AI, he founded Chestnut to challenge the $128B mortgage market head-on. So far, Chestnut is licensed in Texas and Colorado where we offer several different types of home loans. We’re backed by Y Combinator, Olive Tree Capital (Uber, Postmates, Ramp), and other world-class investors, angels, and founders. The company was founded in January 2025 and recently completed YC X25. What to Expect To start, you’ll help build automated mortgage brokering. Later you could become the product owner for brokering and/or an engineering leader. Some of your first initiatives will include: 🏡 Quickly ramping on mortgage. ☎️ Qualifying more leads by extending our AI voice agent. 😍 Boosting our close rate with beautiful rate quotes. 🦾 Automating loan processing with browser agents and automated underwriting. 🧬 Helping define Chestnut’s culture by writing, recruiting, and role modeling. Our tech stack consists of TypeScript, React, Node, GraphQL, Apollo, Prisma, Render, Postgres, Redis, Retell, Google Gemini, OpenAI, and more. Skills and Background Required: ⚡️ Hunger for high-focus, high-growth work. ↕️ Ability to build robust full-stack solutions. 🗣️ Excellent communication skills. 🦉 5+ years experience in full-time engineering/engineering management roles. Great: 🛸 Production use of LLMs and other modern AI tools. 🤓 History of hacking on side projects. 🍎 Interest in people management/mentoring. 🔒 Experience working with sensitive data (finance, biotech, etc.). 🦄 Desire to found your own company some day. We will do everything we can to help! Logistics We work in-person. Our office in Dogpatch (SF) has 16’ ceilings, giant windows, and tons of sunlight. We’re less than 5 mins away from Dogpatch Boulders and multiple coffee shops, bakeries, and breweries. Compensation and Benefits Compensation: $100k-$200k+ cash and 0.5%-3%+ equity depending on your qualifications and preferences. Benefits: Healthcare, vision, dental, meals, gym (<u>Dogpatch Boulders</u>), commute costs, laptop, and custom workstation.
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Company facts compiled from public sources and last refreshed 9 September 2026. Details change; treat the company’s own site as the authority.