
- Mortgage rates
- Lower than the national average
- Minimum FICO score
- 600 to 620
- Minimum down payment
- 3% to 3.5%
- NMLS ID
- #1168
Find the best mortgage rates for your new home
To make our top picks, the ConsumerAffairs Research Team vetted 86 mortgage companies reviewed by more than 5,000 people. You can read our full methodology to learn more about how we compared different lenders and chose our top picks.
While our picks may be Authorized Partners that compensate us, this does not affect our recommendations or evaluations. Our publishing policy ensures that the journalistic content and user reviews on ConsumerAffairs remain independent of commercial influences.
Company | Customer rating | Our pick for | Min. credit score | Min. down payment | |
---|---|---|---|---|---|
![]() | 4.7
5,913 reviews
5,913 reviews
| Best overall | 600 to 620 | 3% to 3.5% | View Rates |
![]() | 4.1
391 reviews
391 reviews
| Customer service | 620 | 3.5% to 10% | Learn more |
![]() | 3.4
839 reviews
839 reviews
| Loan variety | 580 to 640 | 0% to 3.5% | View Rates |
![]() | 4.1
2,098 reviews
2,098 reviews
| Low rates | 580 to 620 | 0% to 3.5% | View Rates |
![]() | 4.3
282 reviews
282 reviews
| Flexible credit requirements | 500 to 580 | 0% to 3.5% | View Rates |
![]() | 4.6
1,167 reviews
1,167 reviews
| Honorable mention | 580 to 620 | Varies | View Rates |
![]() | 4.4
3,293 reviews
3,293 reviews
| Honorable mention | No minimum | 0% | Learn more |
Rates are effective 02/17/2025 and are subject to change without notice. APR shown is provided by a partner of ConsumerAffairs.
Product | APR | |
---|---|---|
7.193%-0.03% | Get Rates | |
The APR shown of 7.193% is available for a 30-year fixed rate loan in the amount of $200,000 for consumers with loan-to-value of at least 80%. | ||
6.797%0.0% | Get Rates | |
The APR shown of 6.797% is available for a 20-year fixed rate loan in the amount of $200,000 for consumers with loan-to-value of at least 80%. | ||
6.265%-0.02% | Get Rates | |
The APR shown of 6.265% is available for a 30-year VA fixed rate loan in the amount of $200,000 for consumers with loan-to-value of at least 80%. |
5.925%0.0% | Get Rates | |
The APR shown of 5.925% is available for a 10-year fixed rate loan in the amount of $200,000 for consumers with loan-to-value of at least 80%. |
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Rates are subject to change, Use is subject to Terms of Use
Jump into our guides and start learning
The process of buying a new home can feel daunting, but getting your new keys is also incredibly rewarding.
This mortgage lenders buyers guide will help you understand the different types of mortgages, compare lenders and explain what you need to know about getting preapproved and financially ready to make an offer.
While you might hear that 20% down is ideal, you can often get a mortgage with a much lower down payment — as low as 3% for conventional loans or 3.5% for FHA loans. With a USDA or VA loan, you can even put 0% down.
Jump to insightGetting preapproved for a mortgage shows sellers you're serious and can help you stand out from other offers. This involves providing financial documents to a lender to determine how much you can borrow.
Jump to insightA higher credit score can get you lower interest rates and more loan options. Before applying, check your score and work on improving it if needed by paying down debt and addressing any errors on your credit report.
Jump to insightRates aren't just about the market. Your credit score, loan amount and down payment all play a role.
Jump to insightA mortgage is a loan for purchasing real estate. With this type of loan, you borrow money from a lender (typically a bank, credit union or mortgage company) specifically for financing the purchase of the property.
The property itself serves as collateral — an asset the lender can repossess through the foreclosure process if you default on the loan. In these cases, the borrower repays the loan amount plus interest over an agreed-upon period, often spanning several years or decades.
The two main types of mortgage loans are conventional and government-backed mortgages.
Conventional loans are private loans not insured by the government. There are two types of conventional loans: conforming and nonconforming.
When a government entity backs a loan, it’s less risky for a private lender. This often translates to greater savings and less strict credit requirements for the borrower.
There are other mortgages available that do not fall under these typical categories, such as a home renovation loan, home equity loans and home equity line of credit (HELOC).
What’s the ideal term length for a mortgage?
The most common mortgage terms are 15 and 30 years, though you can also get 20-year loans and terms shorter than 15 years.
Shorter-term mortgages typically have higher monthly payments but lower interest rates, which lets you pay off your loan more quickly — and save money in the long run.
Longer-term mortgages tend to have lower monthly payments but higher interest rates, making them more manageable over time but ultimately more expensive. The best choice depends on your financial goals and ability to afford higher monthly payments.
» MORE: 15- vs. 30-year mortgage
You’ll first need to decide the type of mortgage (conventional or government-backed) and the type of rate (fixed vs. adjustable) you prefer. You’ll also need to look at how long of a term you want (e.g., 15 or 30 years). Then you can use the following checklist:
Request quotes from at least three lenders to ensure you’re getting competitive rates and terms.
You want to compare lenders and offers to make sure you’re getting the best loan for your needs. You might want to work with a mortgage broker, which can help you compare rates and terms from the top mortgage lenders so you can find the best deal.
» MORE: Mortgage broker vs. lender
What to know about fixed and adjustable rates
With a fixed-rate loan, your interest rate remains the same throughout the life of the loan.
With an adjustable-rate mortgage (ARM), your loan has a fixed interest rate for an initial period, but the interest rate eventually adjusts based on market conditions.
Mortgage requirements vary depending on the loan type you apply for, but most lenders require the following:
You can get a conventional home loan with as little as 3% down and an FHA loan with as little as 3.5% down. USDA and VA loans do not have down payment requirements, so borrowers can put nothing down and still qualify for a home loan.
The good news is that you don’t need 20% for your down payment. In fact, the 20% down payment is only recommended to avoid private mortgage insurance (PMI).
For FHA borrowers with credit scores between 500 and 579, you will be required to put 10% down.
» READ MORE: How much is PMI?
What credit score is needed for a mortgage?
Conventional loans require a minimum credit score of 620, but lenders may require a higher score (or a higher down payment if your score is around the 620 range).
USDA and VA loans do not have a minimum credit score, so you’ll have to check with your lender about specific requirements. If you qualify for an FHA loan, you’ll have more credit score flexibility — with these loans, you can have a score as low as 500 and still qualify for a home.
Take these steps before reaching out to lenders to ensure a smoother application process with fewer surprises.
Applying for a mortgage can seem like a daunting prospect, but breaking it down into steps makes it more manageable.
Before starting your mortgage application, gather essential paperwork like pay stubs, tax returns and bank statements. Being organized can help speed up the process and reduce back-and-forth with your lender.
Most lenders offer an online application option, which can help speed up the process, but if you prefer an in-person experience, you should take this into consideration when selecting a potential mortgage lender.
» MORE: What is a closing disclosure?
Getting preapproved shows sellers that you’re a serious buyer and gives you a clear idea of how much house you can afford. The process is quick and can typically be done in person, online or over the phone with a mortgage lender. Be prepared to give the lender the following information:
If you’re approved, the lender will provide a preapproval letter that states how much you’re qualified to borrow and the interest rate you’re likely to receive. This letter is usually valid for 60 to 90 days and can be a powerful tool when making offers on homes — it shows sellers you’re financially prepared to move forward with the purchase.
Mortgage rates are affected by the following:
As Shmuel Shayowitz, president and chief lending officer at Approved Funding, put it: “Mortgage rates are influenced by a combination of factors, and understanding these factors can help buyers secure the best mortgage rate, even in a high-rate environment.”
Shayowitz said that buyers can get the best rate by improving their credit score and increasing their down payment. Additionally, he recommended buying points.
“Buyers can choose to pay points upfront to reduce their mortgage rate,” he said. “Each point is typically equal to 1% of the loan amount. By paying points, buyers can effectively buy down their rate.”
Is it a good time to get a mortgage?
The real estate market is constantly fluctuating and looks vastly different depending on where you’re looking to buy. Because of that, it’s hard to determine when it’s a “good” time to get a mortgage.
Rates are currently elevated, inventory continues to remain low and demand is high in most areas. If rates drop (they are trending lower in 2024), more buyers will qualify for loans, making the competition and chance of bidding wars increase.
If you’re looking to buy a new home but don’t know where to get the best return on investment, ConsumerAffairs has you covered. Our research team compared all U.S. states and 477 of the most populous metro areas across four categories — stability, growth and risk, affordability, and fluidity — to rank the healthiest housing markets in 2024.
Here’s how the states stack up:
Our team also looked at the same factors for 477 of the most populous U.S. metropolitan areas. Here’s how they stack up:
A mortgage lender is a financial institution that finances home loans for a fee. A mortgage broker is a intermediary between the borrower and the lender. Working with a broker can save time and money, especially if you want to compare multiple lenders.
This depends on your specific financial situation, but there are pros and cons for both a bank and a private lender. A bank typically offers competitive interest rates and unique loan programs, but it can take longer to process loans and may have strict credit requirements.
Private lenders usually offer a wide variety of loans, including specialized ones with less strict credit requirements, but they often don’t have an in-person location and typically have higher interest rates.
A fixed-rate mortgage has an interest rate that remains the same for the life of the loan, providing predictable monthly payments. An adjustable-rate mortgage (ARM) starts with a fixed rate for an initial period and then adjusts periodically based on market rates.
The total time to obtain a mortgage — from application approval to closing — is typically anywhere from 30 to 60 days. However, this timeline may change depending on several factors, such as delays in the underwriting process or appraisal scheduling.
Depending on your mortgage type, your down payment may vary, ranging from 0% to 20% of the home’s purchase price. There’s typically no down payment requirement for a VA loan, while FHA loans require at least 3.5%. If you put less than 20% down on a conventional mortgage, you must pay a monthly private mortgage insurance fee.
We recommend Zillow Home Loans for first-time home buyers because its loan process is easy to navigate. Many mortgage lenders offer guidance, incentives and special programs for first-time homebuyers, though. It can be helpful to search for reviews from other first-time homebuyers to see how they liked specific mortgage companies.
Yes, construction loans are a type of home loan available to finance building a brand-new home. A regular construction loan is different from a mortgage because there is no existing property to use as collateral for the loan, which makes it riskier for the lender. As a result, lenders often charge higher interest rates and require larger down payments for construction loans.
Many mortgage lenders allow early repayment, but some may include prepayment penalties. Check with your lender to understand any restrictions or fees.
To determine our five top picks, including our pick for the best overall mortgage company, we used a weighted scoring system that took into account both reviews about each company from ConsumerAffairs users and specific company offerings we researched.
We conducted sentence-by-sentence sentiment analysis of thousands of reviews on our site from Oct. 1, 2021, to Sept. 30, 2024, to identify the aspects people care about most — and which companies reviewers were happiest with in terms of these aspects. For mortgage, these included:
We then carefully selected the most important offerings consumers should consider before choosing a lender and researched these offerings at each company. For mortgage, these features included:
The company with the highest score in each category’s uniquely weighted formula was given the “Our pick for” or “Best for” designation. In some cases where a single company received the top score across multiple categories, the company with the next-highest score was named the winner.
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.
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Company | Customer rating | About | Learn More |
---|---|---|---|
![]() | 4.1
2,098 reviews
| Online lender with multiple mortgage and refinancing options. 24/7 online services and Learning Center. No in-person assistance. Works with credit scores as low as 580. Available in every state and Washington, D.C. | View Rates |
![]() | 4.8
101 reviews
| Conventional, FHA, VA and jumbo loans. Refinancing options available to lower payments, change terms or take cash out. Minimum credit score requirement: 580 to 620. Available nationwide. | View Rates |
![]() | 4.7
5,913 reviews
| Provides custom quotes with no obligation to purchase or refinance. Offers conventional, FHA, VA and USDA loans. No origination fees. Minimum credit score requirement of 600 to 620. Available in 49 states. | View Rates |
![]() | 4.6
1,167 reviews
| Offers conventional, FHA and VA home purchase and refinance loans with fixed and variable rates. Publishes rates online. Online application process. No lender fees for qualifying borrowers. Available in 43 states. | View Rates |
![]() | 4.3
282 reviews
| Fintech mortgage lender. Online application, including document upload. Lists rates on website. Not available in all states. Covers refinancing fees after initial loan. No hard credit check until you’re ready to buy. | View Rates |
![]() | 3.4
839 reviews
| Offers mortgage and reverse mortgage loans. Seller and servicer of Fannie Mae, Freddie Mac and Ginnie Mae loans. Available in 49 states, with physical branches in 32 states. First-time borrowers need a 640 minimum credit score. | View Rates |
![]() | 4.1
391 reviews
| Offers purchase and refinance loan options. Apply and qualify for loans 100% online. No commission or lender fee. No prepayment penalty. Requires a minimum credit score of 620. Available in most states. | Read reviews |
![]() | 1.0
10,887 reviews
| Online-based mortgage lender. Offers home loans for purchases and refinances. Provides a mobile app and multiple online homebuying tools. No in-person assistance. Available in every state and Washington, D.C. | Read reviews |
![]() | 2.9
76 reviews
| Direct lender providing digital mortgage experience. Offers purchase and refinance loans, including conventional and government-backed loans. Lifetime Guarantee waives lender fees for future refinancing. Available nationwide. | Read reviews |
![]() | 3.9
110 reviews
| Offers conventional loans in 15- and 30-year terms (fixed-rate and ARM), FHA loans and VA loans. Refinance and cash-out refinance available. Fully online application process and dedicated loan officer. Available nationwide. | Read reviews |
![]() | 4.9
1,633 reviews
| Specializes in loans for veterans, active-duty military and their spouses. Offers conforming, jumbo and refinancing VA mortgages. No private mortgage insurance requirements. Serves all 50 states. | Read reviews |
![]() | 5.0
424 reviews
| Online-based full-service bank. Offers a variety of loan types, including conventional, jumbo, FHA, VA, construction and home equity loans. Also offers HELOCs. Available nationwide. No physical branches. | Read reviews |
![]() | 4.5
1,659 reviews
| Offers conventional and government-backed loans, including FHA and VA, for home purchasing, as well as refinancing. Fixed and adjustable rates. Jumbo loans. Licensed in 31 states. Apply online and track your application. | Read reviews |
![]() | 4.6
2,551 reviews
| Provides mortgage financing for new and used manufactured, mobile and modular homes. Mortgages include portfolio, land and home, biweekly, and fresh start. Apply online and work with a loan specialist. | Read reviews |
![]() | 4.4
3,293 reviews
| Provides financing for manufactured or mobile homes. Offers loans for up to 100% of the cost of your property. Doesn’t operate in AK, HI, MA or RI. Also deals in multiple types of insurance. | Read reviews |
![]() | 4.4
1,953 reviews
| Serves U.S. veterans and their families. Helps service members secure loans, purchase homes or lower monthly mortgage payments. Prioritizes customer service and relationships with clients. One-time funding fee of 1.4% to 3.6%. | Read reviews |
![]() | 4.3
140 reviews
| Now part of the HSBC, this corporation provides a variety of home finance solutions, including real estate secured loans and home mortgages. It operates in the United States, Canada and the United Kingdom. | Read reviews |
![]() | 4.3
48 reviews
| Offers mortgage financing for buying a home, refinancing a loan or purchasing an investment property. Loans for the self-employed or investors who don’t have traditional income documentation. Licensed in 42 states. | Read reviews |
![]() | 4.0
8 reviews
| Mortgage lender with purchase, refinance and reverse mortgage options. Conventional and government-backed loans. Helps seniors make informed decisions for retirement. Online quotes and application. Available in select states. | Read reviews |
![]() | 4.0
432 reviews
| Provides home purchase loans, refinancing and lines of credit. Offers specialty loan programs for borrowers who don’t want to put much down or have existing relationships with the company. No government-backed loans. | Read reviews |
![]() | 3.8
121 reviews
| Offers conventional loans, FHA loans and VA loans. Available in all states except New Jersey, New York and West Virginia. Shows sample loan terms online. Online loan calculators and resources. Affiliated lender of Zillow. | Read reviews |
![]() | 3.9
105 reviews
| Traditional bank with mortgage offices. Offers home purchase loans, refinancing loans and more. Available in all 50 states. Apply for loans online. Specializes in loans for veterans and first-time homebuyers. | Read reviews |
![]() | 3.8
202 reviews
| Offers conforming conventional loans, jumbo loans, interest-only loans, FHA loans, VA loans, home renovation loans and HELOCs. Online application process. Provides preapprovals in about 15 minutes. Over 500 branches nationwide. | Read reviews |
![]() | 3.8
21 reviews
| Purchase and refinance loan options with several terms available. Doesn’t offer government loans. Not available in all states. Provides a custom rate without performing a hard credit pull. | Learn More |
![]() | 3.8
20 reviews
| Nationwide mortgage lender with many loan options. Mobile app helps with approval in minutes. Hundreds of locations across 48 states and Washington, D.C. Transfers your loan to another company once the loan is closed. | Read reviews |
![]() | 3.8
47 reviews
| Online broker, not a direct lender. Offers mortgage options for primary, secondary and investment properties. Refinances for owners that purchased through Morty. Guarantees a 14-day closing. | Read reviews |
![]() | 3.9
214 reviews
| Free online service that allows consumers to compare mortgage rates. Offers homebuying resources and tools, such as a mortgage calculator. Purchase or refinance through the company and explore other loan options. | Read reviews |
![]() | 3.9
124 reviews
| Serves existing loans but does not write new loans. Offers refinancing, reinstatement, repayment and modification plans for homeowners who need help keeping up with mortgage payments. | Read reviews |
![]() | 3.7
195 reviews
| Provides home purchase, refinancing and emergency loans. Special services for veterans. Multiple locations across the Kansas City area. Minimum credit score requirements vary. Not all products are available in all states. | Read reviews |
![]() | 3.7
78 reviews
| Nationwide lender offering conventional, jumbo, FHA, USDA and VA loans. Also has specialized loans for renovations, condos and tiny houses. Provides free rate quotes. Custom-built loan origination platform. | Read reviews |
![]() | 3.7
67 reviews
| Online bank with physical locations in the Kansas City area. Conventional, FHA, VA, new construction, home equity and refinancing. Online application process. Special programs for pilots and veterans. | Read reviews |
![]() | 3.6
8 reviews
| Full-service mortgage lender. Provides purchase and refinance loans. Conventional and government-backed loans. Apply online. Licensed in 48 states and D.C. but only has locations in 24 states. Offers educational info online. | Read reviews |
![]() | 3.4
12 reviews
| Home co-investment company. Alternative to line of credit or home equity loan, with no monthly payments or interest. Settle when you sell or after 30 years. Get up to $500,000. Available in 29 states and Washington, D.C. | Read reviews |
![]() | 3.0
45 reviews
| Financial technology company offering up to $500,000 in home equity agreement. No interest and no monthly payments. Minimum FICO score of 500. Available in 15 states. Apply online and complete process in as little as 10 days. | Read reviews |
![]() | 3.2
12 reviews
| Offers home purchase, refinance and HELOC loans in 34 states. Dedicated loan advisor helps you at each step of the process. Processes loans in-house in two to three weeks. VA loans available. | Read reviews |
![]() | 2.1
940 reviews
| Offers lending and mortgage services directly to consumers. Mortgage products include purchase and refinance options, including conventional loans, FHA loans, VA loans and USDA loans. Personalized dashboard for each customer. | Read reviews |
![]() | 2.2
199 reviews
| Originates mortgage loans in 25 states. Shows live rates on its website. Offers online mortgage application and management. Multiple loan types and terms available. Lock your rate for up to 60 days. | Read reviews |
![]() | 1.7
54 reviews
| Loan servicer. Processes payments, manages escrow and provides customer service. Assists with purchasing and refinancing. Offers a complimentary mortgage review. Support is available Monday through Friday. | Read reviews |
![]() | 1.6
200 reviews
| Offers conventional, FHA, USDA, VA and jumbo loan programs for purchase and refinancing. Lock your rate for 120 days while searching for a home. Available in all states except NY. Apply online or visit a branch in 41 states. | Read reviews |
![]() | 1.6
122 reviews
| Affordable mortgages for homebuyers and refinancing for homeowners. Works with middle- and low-income families. One of two leading government-supported market stimulators that help make housing accessible to more families. | Read reviews |
![]() | 1.6
17 reviews
| Specializes in new construction loans. Offers a full range of home purchase loans, including conventional (fixed- and adjustable-rate), jumbo, FHA and VA. More than 200 loan options. Online loan application and dashboard. | Read reviews |
![]() | 1.6
10 reviews
| Nationwide direct mortgage lender with loan officers in over 775 locations. Online application with quick turnaround. Options available for low-income borrowers. Rate lock up to 90 days on most mortgages. | Read reviews |
![]() | 1.3
849 reviews
| Not-for-profit credit union serving military, veterans and their families. Offers savings and checking accounts, credit cards and loans. Low fees. Competitive interest rates. Large ATM network across the U.S. and Canada. | Read reviews |
![]() | 1.3
752 reviews
| Financial services provider for U.S. military and their immediate families. Offers banking, insurance, investments and retirement planning. Low fees. No minimum balance requirements on many accounts. Competitie APYs. | Read reviews |
![]() | 1.4
669 reviews
| One of largest residential mortgage originators in the U.S. Also offers checking and savings accounts, loans, credit cards and investment services. Banking only available in California, Indiana, Michigan, Ohio and Wisconsin. | Read reviews |
![]() | 1.5
2,915 reviews
| Online and in-store loan services. Offers fixed-rate, adjustable-rate and jumbo loans. Pre-qualification and preapproval services available. Refinancing and home equity lines of credit available. | Read reviews |
![]() | 1.4
1,581 reviews
| Offers home purchase and refinance loans. Online and in-store services available. Work with a local consultant. Check rate estimates online. Closing costs are typically 2% to 5% of the purchase price. | Read reviews |
![]() | 1.3
1,986 reviews
| Large bank available in 26 states. Offers checking and savings accounts, credit cards, loans, mortgages, insurance and wealth management. Large ATM network. High fees and below-average interest rates on some savings accounts. | Read reviews |
![]() | 1.1
1,640 reviews
| Offers online banking, robo-advisor trading, portfolio management and various loans. Stocks, ETFs, bonds, mutual funds, margin accounts and securities lending available. No commission or advisory fees. | Read reviews |
![]() | 1.1
509 reviews
| Independent service provider for performing and nonperforming loans. Provides loss mitigation, quality control, due diligence and asset management services. Owns Bizzy Labs mortgage tech. Appraisals run $350 to $550. | Read reviews |
![]() | 1.2
34 reviews
| Online mortgage wholesale lender that works through brokers. Issues loans through its mortgage broker partners. Mobile app and online tools. No in-person assistance. Available nationwide. | Read reviews |
![]() | 1.0
4,612 reviews
| Online lender with multiple mortgage and refinancing options, including conventional and government-backed loans. Loan officers assist at every step of the process. Offers online checklists, articles and calculators. | Read reviews |
![]() | 1.1
335 reviews
| National mortgage lender with branches in 28 states and Washington, D.C. Offers conventional and government-backed purchase and refinance loans. HELOC allows you to lock in fixed rate during draw period. Check rates online. | Read reviews |
![]() | 1.1
1,972 reviews
| Offers fixed- and adjustable-rate mortgages for purchase and refinance. Has FHA, VA, jumbo and conventional loan options. Get pre-qualified online or in person. Provides an online interactive mortgage calculator. | Read reviews |
![]() | 1.1
34 reviews
| Offers home purchase and refinance loans, including conventional, jumbo, FHA, VA and USDA. Home equity loans and home equity line of credit (HELOC) available. Online application and upload portal. | Read reviews |
![]() | 1.2
32 reviews
| Offers conventional, FHA, USDA, VA and jumbo loan programs for home purchases, refinancing options, home equity loans and HELOCs. Available in 30 states, with physical presence in 11. Loan specialist assists at each step. | Read reviews |
![]() | 1.3
18 reviews
| Offers conventional and VA loans to members. Membership limited to people with military experience or those close to them (or existing members). Provides home equity loans and HELOCs. No PMI. Rate-lock program. | Read reviews |
![]() | 1.2
7 reviews
| Range of purchase and refinance loan options, including conventional (fixed and adjustable rate), jumbo, FHA, VA and USDA loans. Apply online to get pre-qualified in as little as 15 minutes. | Read reviews |
![]() | 1.0
338 reviews
| Offers home loans for purchase or refinance. Conventional, FHA, VA and USDA loans available. Licensed nationwide, including in Puerto Rico and the U.S. Virgin Islands. Rate and closing guarantees. | Read reviews |
![]() | 1.0
1,564 reviews
| Online marketplace for secured and unsecured loans. Free to compare rates and quotes from lenders for mortgages, car loans, personal loans and more. Minimum credit score requirements vary. Available nationwide. | Read reviews |
![]() | 1.0
445 reviews
| Offers conventional and government-backed products in all states except Alaska, Arizona and Hawaii. Publishes purchase and refinance rates online. Get preapproved and apply online. Local loan officers in select states. | Read reviews |
![]() | 1.0
3,761 reviews
| Offers conventional loans and government-backed mortgages, including VA, FHA and USDA loans. Loans likely stay with Caliber instead of being sold to another company. Licensed in all 50 states, with local consultants in 43 states. | Read reviews |
![]() | 1.0
70 reviews
| Mortgage provider with fixed-rate and variable-rate mortgage and refinancing loan options in the South and Midwest. Online application. Doesn’t post info about rates and fees. Owns and sells properties. Buyer reward program. | Read reviews |
![]() | 1.0
138 reviews
| Offers conventional, FHA, VA, USDA and jumbo loans in 45 states. Online application. Services 99% of its loans. Mortgage offices in Arkansas, Kansas, Missouri and Oklahoma. Online calculators, glossary and answers to FAQ. | Read reviews |
![]() | 1.0
679 reviews
| Mortgage lender offering home purchase, refinancing, construction, renovation and lot loans. Eight banking centers in Oklahoma. 170 locations nationwide. Interest rate lock program. | Read reviews |
![]() | 1.0
1,714 reviews
| Offers a wide array of conventional mortgages and government-backed FHA, VA and USDA loans. Home equity and refinancing options available. Shares current rates daily. Online application process. | Read reviews |
![]() | 1.0
13 reviews
| Nationwide mortgage lender and servicer. Offers conventional and government-backed mortgages, including FHA and VA loans. Fixed and adjustable rates available. Specialty loans for real estate investors. | Read reviews |
![]() | 1.0
1,028 reviews
| Offers conventional, FHA, VA and jumbo loans. HomeRun Mortgage features low down payment and flexible credit requirements. Rate-and-term and cash-out refinancing. Rates online. Current Citi customers may receive special pricing. | Read reviews |
![]() | 1.0
8 reviews
| Offers home purchase loans and refinancing. Conventional fixed-rate and adjustable-rate loans. Government-backed loans, including FHA, VA and USDA. New construction and home equity loans. Posts sample rates online. | Read reviews |
![]() | 1.0
6 reviews
| Offers conventional mortgages and jumbo loans at competitive rates. First-time homebuyer assistance program. Online application. Preapproval available in as little as three minutes. | Read reviews |
![]() | 1.0
180 reviews
| Offers conventional, FHA and VA loans. Specialty doctor loan program. Refinancing, home equity lines of credit and personal loans. One-on-one support and easy access to transparent pricing. Online rate-checking tool. | Read reviews |
![]() | 5.0
View profile
| Mortgage lender with a digital homebuying platform. Available in seven states. Offers 15- and 30-year fixed-rate mortgages. Matches rates and doesn’t charge origination fees. Doesn’t refinance existing mortgages. | Read reviews |
![]() | 5.0
View profile
| Full-service direct lender. Mortgaging and refinancing options available. Operates in 16 states. 45 branch offices in the Western U.S. Helps buyers make cash offers. Some 10- to 15-day closings. | Read reviews |
![]() | 5.0
View profile
| Offers FHA, VA and USDA loans and conventional mortgages. Fixed-rate and adjustable-rate purchase loans. Options for refinancing. Flexible qualifying criteria. Low down payment program. Licensed in all 50 states. | Read reviews |
![]() | 3.8
View profile
| Provides financial services using blockchain technology. Offers home equity lines of credit (HELOCs) and plans to offer lines of credit secured by cryptocurrency. HELOCs not available in DE, HI, KY, MD, NY, TX and WV. | Read reviews |
![]() | 3.8
View profile
| Offers purchase and refinance loans with no upfront fees and communication from application through closing. No application, credit report or rate-lock fees. Check rates for conventional and government-backed loans online. | Read reviews |
![]() | 3.0
View profile
| Offers conventional and government-backed loans. Works with credit scores of at least 580. Maximum DTI of 45%. Can apply by email or by phone. Available in 46 states, but only has branches in 10 states. | Read reviews |
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| Free online money management resource. Compares lenders, insurers, banks, credit card companies and other financial institutions. Offers calculators and educational materials. Can link bank accounts to analyze transactions. | Read reviews |
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| Direct lender operating in all 50 states and D.C. Originates purchase and refinance mortgage products. Provides conventional, FHA, VA and USDA loans. Use app to calculate payments, upload docs and message loan officers. | Read reviews |
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| Offers conventional loans and government-backed loans, including FHA, USDA and VA loans. Fixed-rate and adjustable-rate loans. Construction and renovation loans. Licensed in 41 states. In-house underwriting. | Read reviews |
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| Refinancing and purchase loans. Conventional fixed-rate and adjustable-rate loans, including 15-, 20- and 30-year. Government-backed loans, including FHA and VA. FannieMae HomeReady program. Medical professional loans. | Read reviews |
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| Offers home purchase loans, refinancing and HELOCs. Conventional fixed-rate and adjustable-rate loans and jumbo loans. Government-backed loans, including FHA and VA. Credit union membership required. | Read reviews |
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| Offers conventional, jumbo and government-backed loans, including FHA loans and VA loans. Programs for first-time homebuyers and purchasers of investment property. Posts purchase and refi rates. | Read reviews |
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| Offers refinancing and home purchase loans. Conventional fixed-rate and adjustable-rate loans. Government-backed loans, including FHA and VA. Construction loans. First-time buyer program. Down payment assistance. | Read reviews |
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| Privately owned mortgage lender. Upfront underwriting and fast closings. Only available in select states. Higher minimum credit score requirement on FHA and VA loans but lower on USDA loans. Fee amounts not disclosed. | Read reviews |
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| Offers purchase and refinance home loans, including conventional, jumbo, FHA, VA and USDA loans. Online application and upload portal. Performs annual in-depth review of your mortgage with personal action plan. | Read reviews |
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| Offers mortgage and reverse mortgage loans. Seller and servicer of Fannie Mae, Freddie Mac and Ginnie Mae loans. Physical branches in 16 states. Loans for traditional and nontraditional borrowers. | Read reviews |
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| Offers refinancing and home purchase loans. Conventional fixed-rate and adjustable-rate loans, jumbo loans and government-backed loans, including FHA, VA and USDA. Specialty loan programs. | Read reviews |
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| Extensive range of purchase and refinance loans, including conventional, fixed, adjustable, jumbo, FHA, VA and USDA. Application process 100% online. Does not publish rates. Closing assistance program. | Read reviews |
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| Offers home purchase and refinance loans to current military and veterans and their families. VA loans, VA jumbo loans and VA refinancing options. Posts purchase and refinance rates online. Membership is free. | Read reviews |
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| Mortgage lender and servicer. Services most loans. Quick online mortgage application. Conventional and FHA loans; no VA, USDA or manufactured or modular home financing. Available in most states. Close in as little as 15 days. | Read reviews |
![]() | Nonbank mortgage lender offering purchase and refinance loans, reverse mortgages and HELOCs. Low down payment options and down payment assistance available. Licensed in all states except Utah. Operates branches in 31 states. | Read reviews | |
![]() | Promotes an easy mortgage process, with closing in 10 days. Borrowers use the simpl platform to complete application in 10 minutes and electronically sign documents. Offers FHA, conventional and jumbo loans. | Read reviews | |
![]() | Offers an array of fixed- and variable-rate conventional loans. Purchase and refinance loans available. Licensed in 41 states. No application, underwriting or lender fees. Online application process. | Read reviews | |
![]() | Online mortgage broker. Serves Virginia, Maryland and D.C. Offers a variety of loan products, including refinancing with no closing costs and home improvement loans. Debt consolidation available. Interest rate calculator. | Read reviews | |
![]() | Offers home purchase and refinance loans, including conventional, jumbo, FHA, VA and USDA options. Construction loans, renovation loans, home equity lines of credit (HELOCs) and special loan programs also available. | Read reviews | |
![]() | Direct lender. Offers mortgages, refinancing and debt consolidation services. Online or in-person branches in six states in the Eastern U.S. Online application process. Licensed in 28 states. | Read reviews | |
![]() | Refinancing and purchase loans. Conventional and government-backed loans, including FHA, VA and USDA. Fixed-rate and adjustable-rate and 15-, 20- and 30-year loans available. Jumbo loans. Reverse mortgages. In-house underwriting. | Read reviews | |
![]() | Online mortgage applications. Conventional, fixed, ARM, USDA, FHA, VA, jumbo and other purchase and refinance loans. Colorado, Oregon and Washington only. No HELOC or construction loans. | Read reviews | |
![]() | Mortgage lender that operates in three states. Offers HELOC, construction and conventional loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 620 to 660. | Read reviews | |
![]() | Uses automation and AI to help homebuyers get the best rates. Aims to make the mortgage process quick. Offers several mortgage options, plus refinancing and HELOCs. Licensed in four states. | Read reviews | |
![]() | Has offered mortgages for over 30 years. Loan advisors guide homebuyers through the process based on their needs. Wide variety of loan options, including refinancing and HELOCs. Licensed in 34 states, plus Washington, D.C. | Read reviews | |
![]() | Offers various home loan options, including FHA loans, home equity lines of credit (HELOCs), jumbo loans and VA loans. American Federation of Teachers can receive an origination fee discount of up to $700. | Read reviews | |
![]() | Online mortgage lender based in Miami. Available in Florida. Offers numerous mortgage products, including investment and conventional loans, HELOCs and more. Simple online application process. | Read reviews | |
![]() | Mortgage lender that operates in Kentucky. Offers HELOC and construction loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 620 to 680. | Read reviews | |
![]() | Mortgage lender that operates in one state. Offers FHA, conventional, jumbo, USDA and VA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 700. | Read reviews | |
![]() | Offers home purchase loans, refinancing, home equity loans and HELOCs. Conventional loans and government-backed loans, including FHA, VA and USDA loans. New-construction loans. Loan officers in 11 states. | Read reviews | |
![]() | Mortgage lender that operates in five states. Offers conventional, jumbo, FHA, VA and USDA loan types. Origination fee of 0.5% and 1% of the loan amount. Minimum credit scores of 580 to 700. | Read reviews | |
![]() | Mortgage lender that operates in one states. Offers conventional, jumbo, VA and FHA loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 620 to 700. | Read reviews | |
![]() | Offers conventional mortgages and government-backed loans, including FHA, USDA and VA loans. Fixed rates and adjustable rates. Jumbo loans. Reverse mortgages. Pre-qualification and preapproval available. | Read reviews | |
![]() | Provides loans for homebuying and refinancing. Lets customers apply for loans and receive closing updates with an app. Offers locked rates for up to 90 days. | Read reviews | |
![]() | New home and refinancing loans. Get up to $9,500 back through commission rebate program. Digital pre-qualification and application process. 0.125% interest rate discount for autopay or electronic billing. Available in most states. | Read reviews | |
![]() | Mortgage lender that operates in nine states. Offers USDA, VA, FHA, conventional and first-time home buyer loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 620 to 640. | Read reviews | |
![]() | Direct mortgage lender. Available nationwide. Local offices on the East Coast. Prequalify through text. Completes manual underwriting for borrowers with nontraditional credit. Purchase offer and closing guarantees. | Read reviews | |
![]() | Offers conventional mortgage loans (fixed-rate and ARMs), FHA loans, USDA loans, VA loans and jumbo loans. Licensed in 48 states. Construction and renovation loans available. Preapproval in as little as eight minutes. | Read reviews | |
![]() | Mortgage lender that operates in 28 states. Offers conventional, FHA, VA, USDA, jumbo and home equity loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 620 to 680. | Read reviews | |
![]() | Provides custom quotes with no obligation to purchase or refinance. Offers conventional, jumbo, new construction, FHA, VA and USDA loans. Available in Tennessee, Georgia, Kentucky and Alabama. | Read reviews | |
![]() | Mortgage lender that operates in three states. Offers FHA, VA, HELOC, HomeFirst and HomeFirst Plus loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 620. | Read reviews | |
![]() | Mortgage lender that operates in two states. Offers jumbo and HELOAN loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 680 to 680. | Read reviews | |
![]() | Mortgage lender based in Indiana. Offers its services across the U.S. Provides home purchase, refinancing and home equity products, including conventional, jumbo (nonconforming conventional) and government-backed loans. | Read reviews | |
![]() | Mortgage lender operating in 44 states. Offers conventional, jumbo, FHA, VA and USDA loans. Refinancing available. 100% online application. Down payment assistance programs. Fast preapprovals. Rate check with soft credit pull. | Read reviews | |
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