Best Mortgage Lenders

Updated Apr. 01, 2025

By: Ashley Eneriz

+2 more

Edited by: Cassidy McCants

Edited by: Tammy Burns

Our 7 picks for the best mortgage companies

Best overall: AmeriSave Mortgage
Best customer service: Better
Best loan variety: New American Funding
Best for low rates: Rocket Mortgage
Best for flexible credit requirements: Lower
Honorable mention: Network Capital
Honorable mention: 21st Mortgage Corporation

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.

Customer rating	Our pick for	Min. credit score	Min. down payment
4.7 5,999 reviews 5,999 reviews	Best overall	600 to 620	3% to 3.5%	View Rates
2.8 397 reviews 397 reviews	Customer service	620	3.5% to 10%	Learn more
3.1 841 reviews 841 reviews	Loan variety	580 to 640	0% to 3.5%	View Rates
4.2 2,234 reviews 2,234 reviews	Low rates	580 to 620	0% to 3.5%	View Rates
4.3 283 reviews 283 reviews	Flexible credit requirements	500 to 580	0% to 3.5%	Learn more
4.5 1,168 reviews 1,168 reviews	Honorable mention	580 to 620	Varies	Learn more
4.4 3,368 reviews 3,368 reviews	Honorable mention	No minimum	0%	Learn more

Learn more about mortgages

All information accurate as of time of publication.

Best overall

AmeriSave Mortgage

4.7

5,999 reviews

Mortgage rates: Lower than the national average
Minimum FICO score: 600 to 620
Minimum down payment: 3% to 3.5%
NMLS ID: #1168

View Rates Read Reviews

Best customer service

Better Mortgage

2.8

397 reviews

Mortgage rates: Lower than the national average
Minimum FICO score: 620
Minimum down payment: 3.5% to 10%
NMLS ID: 330511

Read Reviews

Best loan variety

New American Funding

3.1

841 reviews

Mortgage rates: Higher than the national average
Minimum FICO score: 580 to 640
Minimum down payment: 0% to 3.5%
NMLS ID: #6606

View Rates Read Reviews

Best for low rates

Rocket Mortgage

4.2

2,234 reviews

Mortgage rates: Lower than the national average
Minimum FICO score: 580 to 620
Minimum down payment: 0% to 3.5%
NMLS ID: #3030

View Rates Read Reviews

Best for flexible credit requirements

Lower

4.3

283 reviews

Mortgage rates: Around the national average
Minimum FICO score: 580
Minimum down payment: 0% to 3.5%
NMLS ID: 1124061

Read Reviews

Honorable mentions

Honorable mention

Network Capital

4.5

1,168 reviews

Mortgage rates: Higher than the national average
Minimum FICO score: 580 to 620
Minimum down payment: Varies
NMLS ID: #11712

Read Reviews

Honorable mention

21st Mortgage Corporation

4.4

3,368 reviews

Mortgage rates: Higher than the national average
Minimum FICO score: No minimum
Minimum down payment: 0%
NMLS ID: #2280

Read Reviews

Current mortgage rates

Rates are effective 04/19/2025 and are subject to change without notice. APR shown is provided by a partner of ConsumerAffairs.

Product	APR
	7.431%0.0%	Get Rates
The APR shown of 7.431% 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%.
	7.557%0.15%	Get Rates
The APR shown of 7.557% 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%.
	6.623%0.02%	Get Rates
The APR shown of 6.623% 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%.

	5.955%0.0%	Get Rates
The APR shown of 5.955% 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%.

Rates are subject to change, Use is subject to Terms of Use

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Mortgage lenders buyers guide

Buying a home is one of the biggest financial decisions you'll make. While the process can feel overwhelming, securing the right mortgage can set you up for long-term success. This guide breaks down mortgage types, lender comparisons and what you need to know about preapproval — helping you feel confident and financially prepared to make an offer.

Key insights

You don’t need a 20% down payment. Many buyers qualify with as little as 3% down on conventional loans or 3.5% for FHA loans. VA and USDA loans even allow 0% down.

Jump to insight

Preapproval makes you competitive. Sellers take preapproved buyers more seriously. A lender will review your financials to determine how much you can borrow.

Jump to insight

Your credit score matters. A higher score means better rates and more loan options. Check your score and improve it by reducing debt and fixing errors.

Jump to insight

Rates aren't just about the market. Your credit score, loan amount and down payment all impact your rate.

Jump to insight

How does a mortgage work?

A mortgage is a loan used to buy real estate. When you take out a mortgage, you borrow money from a lender — typically a bank, credit union or mortgage company — to finance your home purchase.

To apply for a mortgage, you fill out an application and share your financial information with the lender. The lender checks your income, debt and credit score to determine if you qualify and your loan’s terms.

The property itself serves as collateral, meaning the lender can repossess it through foreclosure if you fail to make payments. Your loan agreement outlines how much you borrow, the interest rate and the repayment period — typically 15 to 30 years.

» MORE: Homeownership statistics by state

Types of mortgages

There are two main types of mortgage loans: government-backed loans and conventional loans. Each type has different eligibility requirements, down payment options and risk levels.

Government-backed loans

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.

FHA: The Federal Housing Administration backs FHA loans. Key features of FHA loans include:
- 3.5% down payment requirement
- Lower credit score requirements than most loans
- Mortgage insurance is required
USDA: Backed by the U.S. Department of Agriculture, a USDA loan offers a low- or no-down-payment option. Key features of FHA loans include:
- For home buyers in rural areas
- No down payment requirement
- Upfront and annual guarantee fees (differs from mortgage insurance)
VA: Partially backed by the U.S. Department of Veterans Affairs, VA loans offer a low- or no-down-payment option. Key features of FHA loans include:
- For active military personnel and veterans
- No down payment requirement
- VA funding fee (one-time payment; can be added to the loan)

Conventional loans

Conventional loans are not insured by the government and come in two categories: conforming and nonconforming.

Conforming loans: These must meet Fannie Mae and Freddie Mac requirements. The guidelines include a maximum loan amount and minimum borrower requirements (such as a maximum debt-to-income ratio and minimum credit score) to make them safe investments for individuals and institutions. In 2024, the maximum conforming loan limit in most of the country is $766,550.
Nonconforming loans: These loans do not meet the Fannie Mae or Freddie Mac requirements. A nonconforming loan lender is required to set its own guidelines and limitations.
Jumbo loans are nonconforming loans with amounts exceeding the conforming loan limit. You need good credit (often 700-plus) and a large down payment to be eligible.

» COMPARE: Conforming vs. nonconforming loans

Non-QM loan

A nonqualified mortgage is for self-employed buyers or home buyers with unique financial situations. They typically have more flexible credit and income requirements than qualified mortgages.

Fixed vs. adjustable rate mortgages

Fixed-rate mortgage: With these types of loans, the interest rate remains the same for the entirety of the loan.
Adjustable rate mortgage (ARM): The interest rate stays the same for a period, then adjusts at a specific internal (typically every six months).

» COMPARE: ARM vs. fixed rate mortgages

Home equity loans and lines of credit

Home equity line of credit (HELOC): This type of loan works like a credit card with a borrowing limit. You can withdraw multiple times over a set period. Loans are repaid over time.
Home equity loan: This type of loan allows you to take out a lump sum based on your home's value. It’s typically used for home upgrades or repairs that increase your home’s value. The lump sum is repaid over a fixed period of time.

» COMPARE: Reverse mortgage vs. home equity loan vs. 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

How to choose a mortgage lender

Choosing the right mortgage lender is just as important as selecting the right loan. First, determine the type of mortgage you need (conventional or government-backed) and decide between a fixed or adjustable interest rate. You’ll also need to choose a loan term (e.g., 15 or 30 years).

Once you’ve narrowed that down, use this checklist to compare lenders:

Request quotes from at least three lenders to ensure you’re getting competitive rates and terms.

Research down payment options: While a 20% down payment helps you avoid private mortgage insurance (PMI), many lenders offer lower down payment options:
1. Conventional loans may allow as little as 3% to 5% down
2. FHA loans require 3.5% down
3. VA and USDA loans allow 0% down
Look into lender fees: In addition to closing costs, look at what fees you’ll need to pay to secure your mortgage, including:
1. Loan origination fees
2. Application fees
3. Attorney fees
4. Homeowners association (HOA) fees
5. Property taxes
See if buying mortgage points is an option: Some lenders let you buy mortgage points to lower your interest rate. Each point typically costs 1% of your loan amount and reduces your rate by a fraction of a percent. If you plan to stay in your home long-term, this could save you thousands.
Understand the application process: Depending on your location and accessibility needs, the application process can make a big difference.
1. Online: Faster and more convenient
2. In-person: May offer more guidance
3. Hybrid: A mix of online tools with loan officer support
Research average approval times: Ask lenders how long it takes to
1. Get preapproved: Typically within a few days
2. Get final approval and close: Usually 30 to 45 days, but some lenders offer expedited closings
Read reviews and research customer service: Look for a lender that is responsive, knowledgeable and transparent. Reading customer reviews can help you identify if the lender is dedicated and provides strong support, which will make the financing process much more enjoyable and less stressful.
Consider using a mortgage broker: If you want to compare multiple lenders easily, a mortgage broker can help you find the best rates and terms for your situation.

» MORE: Mortgage broker vs. lender

Mortgage requirements

Mortgage requirements vary by loan type and lender, but most lenders look for the following:

Credit score: Your credit score affects both loan eligibility and interest rates.
- Conventional loans typically require a minimum credit score of 620
- FHA loans allow credit scores as low as 500 but require a higher down payment
- VA and USDA loans do not have strict credit score requirements, though most lenders prefer 620 or higher
The higher your credit score, the better mortgage terms you will receive.
Proof of income and employment: Lenders want to see a steady income and employment history. You will likely need to provide:
- Pay stubs from the last 30 to 60 days
- W-2 forms from the last two years
- Tax returns (especially for self-employed borrowers)
- Bank statements to verify assets and savings
Low debt-to-income (DTI) ratio: Your debt-to-income ratio (DTI) measures your total monthly debt payments against your gross income. Most lenders prefer a DTI of 43% or lower. A lower DTI improves your chances of approval and increases your borrowing power.
Down payment: The minimum down payment amount can vary significantly based on the type of loan and your credit score.

How much do you need for a down payment?

Your down payment requirement depends on the loan type and your credit score:

Conventional loans: As low as 3% down.
FHA loans: 3.5% down with a credit score of 580 or higher; 10% down if your score is between 500 and 579.
VA and USDA loans: No down payment required.

A 20% down payment is not required but is recommended to avoid PMI on conventional loans.

» 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.

Steps to take before applying for a mortgage

Preparing in advance can make the mortgage application process smoother and improve your chances of approval. Follow these steps before reaching out to lenders:

Save for a down payment: A larger down payment can lead to better loan terms and help you avoid PMI. Conventional loans typically require at least 3% down, but a higher amount can lower your monthly payments. Start saving early and consider setting up a dedicated savings account to track your progress.
Check your credit score: A higher credit score typically results in better interest rates and more loan options. If your score is lower than you'd like, take steps to improve it, such as paying down existing debt, avoiding new credit inquiries and addressing any errors on your credit report.
Reduce your debt-to-income ratio: To improve your DTI, focus on paying off high-interest debts and avoid taking on new financial obligations in the months leading up to your mortgage application.
Gather documents: Lenders require financial documents to verify your income, assets and employment history. Be prepared to provide recent pay stubs, W-2 forms, tax returns, bank statements and proof of employment. Organizing these documents in advance can speed up the approval process.
Research mortgage options: Understanding different loan types can help you choose the best option for your financial situation. Compare conventional, FHA, VA and USDA loans, and decide between a fixed or adjustable-rate mortgage. Knowing your options will make it easier to compare lenders and secure the best deal.

How to apply for a mortgage

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.

Evaluate your financial situation: Check your credit score, assess your debt-to-income (DTI) ratio and review your savings for a down payment and closing costs. Identify any potential credit challenges that could affect your loan approval.
Search for a mortgage lender: Compare mortgage lenders to find the best interest rates, loan terms and customer service. Consider whether you prefer a fully online experience or in-person support.
Get prequalified: Prequalification is an initial assessment based on self-reported financial information. It gives you an estimate of how much you might be able to borrow but does not involve a hard credit check or lender commitment.
Review loan options and select a lender: Once you’ve compared lenders, evaluate their loan options. Some may offer different rate structures, down payment requirements or government-backed programs that fit your budget and financial goals.
Get preapproved: Preapproval is a formal step where a lender reviews your financial documents, pulls your credit report and provides a conditional commitment for a loan amount and interest rate. The preapproval process typically takes a few days to two weeks. A preapproval letter strengthens your offer when shopping for a home.
Find a property and make an offer: Once preapproved, work with a real estate agent to find a home within your budget. Submit a competitive offer and include your preapproval letter to show sellers you are a serious buyer.
Enter underwriting and receive conditional approval: After your offer is accepted, the lender’s underwriting team will verify your financial details, assess the home’s value through an appraisal and issue a conditional approval. You may need to provide additional documentation during this stage.
Receive final loan approval: Once all conditions are met, the lender will issue a final approval. This means your loan is ready for closing. At least three days before closing, you’ll receive a closing disclosure outlining your final loan terms and costs.
Close your loan: Sign the final paperwork, pay any remaining closing costs and finalize your mortgage. Once complete, you’ll receive the keys to your new home. Typically you work with both a lender and real estate attorney during this final step.

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?

How to get preapproved for a mortgage

Getting preapproved shows sellers that you’re a serious buyer and gives you a clear idea of how much home you can afford. The process is typically quick and can be completed online, over the phone or in person with a mortgage lender.

Provide personal information: Lenders will ask for your name, address, phone number, government-issued ID and Social Security number to verify your identity and pull your credit report.
Submit proof of income: Be prepared to provide recent pay stubs, tax returns and W-2 forms to verify your earnings and employment history. If you're self-employed or have additional income sources, such as bonuses, alimony or freelance work, you may need to submit extra documentation.
Show bank statements: Lenders will review your recent bank statements to verify your savings, cash reserves and ability to cover the down payment and closing costs.
Disclose existing debts: Expect to provide information on outstanding debts, including credit cards, student loans, auto loans and any other financial obligations. Your debt-to-income (DTI) ratio plays a key role in your approval.
Receive your preapproval letter: If approved, the lender will issue a preapproval letter stating how much you can borrow and the estimated interest rate. This letter is typically valid for 60 to 90 days and strengthens your position when making an offer on a home.

A mortgage preapproval does not guarantee final loan approval, but it gives you a competitive edge in the home buying process by showing sellers you are financially prepared to move forward.

How are mortgage rates determined?

Mortgage rates are influenced by a combination of personal financial factors and broader market conditions. Lenders assess risk based on the following:

Creditworthiness

Borrowers with higher credit scores typically receive lower interest rates. Lenders see them as lower-risk applicants.

Loan-to-value (LTV) Ratio

The LTV ratio compares the loan amount to the home’s appraised value. A lower LTV (meaning a larger down payment) reduces the lender’s risk and can result in better rates.

Loan term length

Shorter loan terms, such as 15-year mortgages, often come with lower interest rates than 30-year loans.

Down payment size

A larger down payment lowers the LTV ratio and reduces lender risk, which can lead to a lower rate.

Market conditions

Broader economic factors, including inflation, Federal Reserve policies and bond market trends, impact overall mortgage rate movements.

Lender competition

Lenders adjust rates based on competition and their own business strategies.

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.

Best housing markets in 2025

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 2025.

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:

Our housing market methodology

To determine the healthiest housing markets in the U.S., the ConsumerAffairs Research Team analyzed states and metropolitan areas across four key categories: stability, growth and risk, affordability, and fluidity, with each category assigned a specific weight. Data was sourced from the U.S. Census Bureau, Zillow and Redfin.

Stability: This category measures long-term trends in homeownership and property values. It includes the median time since homeowners moved in (10 points) and the five-year percentage change in property values (10 points). Data is from the U.S. Census Bureau (2022) and the Zillow Home Value Index (2024).
Growth/risk: This category evaluates short-term market volatility. It includes the 12-month percentage change in property value (20 points). Data is from the Zillow Home Value Index (2024).
Affordability: Affordability is the most heavily weighted category, reflecting the importance of homeownership cost. We measured the relationship between median sales price and median household income (40 points). Data is from the U.S. Census Bureau (2022) and Redfin (2024).
Fluidity: This category tracks the speed at which homes sell, indicating market demand. It includes the median days on the market for a property (20 points). The data is from Redfin.

FAQ

What is the difference between a mortgage lender and broker?

A mortgage lender is a financial institution that finances home loans for a fee. A mortgage broker is an intermediary between the borrower and the lender. Working with a broker can save time and money, especially if you want to compare multiple lenders.

What is the difference between a fixed-rate and an adjustable-rate mortgage?

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.

How long does it take to get a mortgage?

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.

How much of a down payment do I need to get a mortgage?

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.

» NEXT: Income needed for a $300k mortgage

Are there mortgage lenders that specialize in first-time homebuyers?

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.

Can I get a mortgage loan to build a house?

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.

Can I pay off my mortgage early?

Many mortgage lenders allow early repayment, but some may include prepayment penalties. Check with your lender to understand any restrictions or fees.

Disclaimer

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.

Methodology

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:

Staff
Loan process
Customer service

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:

Variety of loans
APRs
Guarantees
Credit score requirements

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.

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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
3.6 22 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
3.3 13 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
3.5 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
3.2 47 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
2.6 1,716 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
2.2 943 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
1.8 202 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
1.5 57 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 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
1.6 122 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
1.7 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 2,000 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
1.3 855 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
1.4 670 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
1.3 1,582 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 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
1.1 1,653 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
1.2 754 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
1.1 511 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
1.1 4,618 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 37 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
1.1 338 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
1.2 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
1.1 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
1.0 342 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
1.0 450 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 1,566 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 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 1,029 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
1.0 433 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
1.0 141 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
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 16 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
1.0 679 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 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 8 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 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 View profile	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
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	Direct lender serving 16 states and Washington D.C. Wide selection of mortgage products. Entirely digital loan process. Online portal for borrowers. Operates through the financial services company, East Coast Capital.	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
4.0 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
3.9 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
3.8 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
3.7 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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	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
1.0 View profile	Available in 49 states and Washington, D.C. In business since 1998. 10 loan options to choose from. Application process 100% online.	Read reviews
1.0 View profile	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
1.0 View profile	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
1.0 View profile	Brokerage company that partners with major lending companies. Available in 12 states. Up to nine loan program options available. In business since 2016.	Read reviews
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No 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.	Write a review
No reviews	Online mortgage lender and broker serving 13 states. Offers conforming, fixed-rate, adjustable-rate, FHA, VA and refinancing loans. Short average closing times and free rate lock.	Write a review
No reviews	Offers conventional (conforming and jumbo) and government-backed mortgages, including FHA, VA and USDA loans. Specialty programs include construction loans, renovation loans, 80/20 loans and condo loans.	Write a review
No reviews	Full-service bank and mortgage lender. Excellent financial rating strength. Jumbo loan options for nontraditional buyers. Down payment assistance programs available. Merger pending with FirstSun Capital Bancorp.	Write a review
No reviews	Mortgage lender that operates in six states. Offers FHA, VA and USDA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 620 to 620.	Write a review
No reviews	Mortgage lender that operates in three states. Offers conventional, FHA, VA, USDA and jumbo loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 500 to 700.	Write a review
No reviews	Mortgage lender that operates in one state. Offers HELOC loan types. Origination fee of 0.5% to 1.5% of the loan amount. Minimum credit scores of 620.	Write a review
No reviews	Home mortgage broker serving borrowers in 10 U.S. states. Provides a variety of loan types including government-backed, conventional, refinance and nonconforming. Online application process for prequalification.	Write a review
No reviews	Mortgage lender that operates in two states. Offers FHA, VA and HELOC loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 680.	Write a review
No reviews	Mortgage lender that operates in three states. Offers VA, FHA, USDA, good neighbor and conventional loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 660.	Write a review
No reviews	Offers conventional and government-backed loans. Works with credit scores of at least 580. Can apply online or by phone. Available in eight states.	Write a review
No reviews	Mortgage lender that evaluates your entire financial situation to find the right purchase loan, refinance loan or HELOC for you. FHA, VA and conventional loans. Offers standard and cash-out refinancing. Available in 30 states.	Write a review
No reviews	Offers home purchase loans, refinancing, home equity loans and HELOCs. Conventional fixed-rate and adjustable-rate loans, including jumbo loans. Government-backed loans, including VA and FHA. Zero-down options.	Write a review
No reviews	Offers refinancing and purchase loans. Conventional loans and government-backed loans, including USDA, FHA and VA. Fixed-rate and adjustable-rate loans with 15-, 20- and 30-year terms available. In-house underwriting.	Write a review
No reviews	Mortgage lender that operates in eight states. Offers jumbo, construction, FHA, VA and HELOC loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 640 to 740.	Write a review
No reviews	Mortgage lender with on-time close guarantee. Mobile app to apply and upload documents. Loans for various home types available. Not available in all states. Mortgage interest rate lock starts when putting in a home offer.	Write a review
No reviews	Mortgage lender that operates in 17 states. Offers conventional, FHA and VA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 620.	Write a review
No reviews	Mortgage lender that operates in 44 states. Offers conventional, FHA, jumbo, VA and HELOC loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 700.	Write a review
No reviews	Offers FHA, VA and USDA loans. Conventional mortgages, with fixed- and adjustable-rate options. Reverse mortgages and jumbo loans. Second mortgages and non-qualifying mortgages. Serves 48 states and Washington, D.C.	Write a review
No reviews	Mortgage lender that operates in 13 states. Offers conventional, VA, FHA, USDA, jumbo and first-time home buyer mortgage loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 680.	Write a review
No reviews	Mortgage lender that operates in eight states. Offers conventional, jumbo, FHA, VA and USDA loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 700.	Write a review
No reviews	Mortgage lender that operates in 49 states. Offers FHA, VA, USDA and jumbo loan types. Origination fee of 0.5% to 1% of the loan amount. Minimum credit scores of 580 to 680.	Write a review
No reviews	Wholesale and correspondent lender with over two decades of experience. Offers conventional, FHA, VA, USDA and reverse mortgages. Licensed in all 50 states and Washington, D.C. Physical locations in seven states.	Write a review
No reviews	Offers a range of home purchase loans, including conventional (fixed-rate and adjustable-rate), FHA, VA, USDA and jumbo. Loans for manufactured homes, new construction and renovation. Low down payment options.	Write a review
No reviews	Refinance and purchase loans, including conventional, fixed, adjustable, jumbo, FHA, VA and USDA. Expedited mortgage approval. Preapproval and rate lock available. Offers first-time homebuyer and low-down-payment programs.	Write a review
No reviews	Mortgage lender that operates in five states. Offers VA, FHA, USDA, jumbo and HELOC loan types. Origination fee of 0% to 1% of the loan amount. Minimum credit scores of 620 to 700.	Write a review
No reviews	Offers home loans and refinances for primary residences and second homes. 100% online application. Preapproval decisions in minutes. Experienced mortgage bankers assigned to each home loan applicant.	Write a review
No reviews	Offers various mortgage types. Over two decades of experience. Prequalification available. Limited info on costs, fees and rates. Currently licensed in four states.	Write a review
No reviews	Mortgage lender available in 39 states. Provides a free, no-obligation mortgage review. Offers conventional, FHA, VA and jumbo loans. Minimum credit scores of 520 to 680.	Write a review
No reviews	Mortgage lender that operates in New York. Offers HELOC, HomeFirst and Good Move mortgage loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit score of 620.	Write a review
No reviews	Mortgage lender that operates in Maryland. Offers jumbo and HELOC loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 700 to 780.	Write a review
No reviews	Online mortgage broker licensed in 26 states with the goal to add more states. Offers digital and conventional home loans and refinancing. Does not offer HELOC or lines of equity. Owned by RedVentures since 2020.	Write a review
No reviews	Mortgage lender that operates in five states. Offers jumbo, FHA, VA and conventional loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 680.	Write a review
No reviews	Direct-to-consumer mortgage lender. Backed by Cardinal Financial. Multiple loan types available. Refinancing options. Minimal information online. Call or fill out online form to speak with specialist for free rate quote.	Write a review
No reviews	Mortgage lender operating in one state. Offers FHA, jumbo, VA, HELOC and conventional loans, Fannie Mae HomeReady mortgages and medical professional loans. Origination fee of 0.5% to 1%. Minimum credit scores of 620 to 720.	Write a review
No reviews	Full-service credit union. Offers mortgage loans and deposit accounts. No PMI loan available. 0% down loans available. No government-backed loans. Not available in all states. Must be a member to apply.	Write a review
No reviews	Online lender offering conventional and government-backed mortgage options, as well as HELOCs and refinancing. First-time homebuyer assistance available. Licensed in 29 states and Washington, D.C.	Write a review
No reviews	Mortgage lender and servicer. $10,000 underwriting guarantee. Available in 24 states. Physical branches throughout U.S. Direct lender of Fannie Mae and Freddie Mac loans. Single loan officer oversees the loan process.	Write a review
No reviews	Mortgage lender that operates in 14 states. Offers jumbo, FHA and VA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 500 to 680.	Write a review
No reviews	Offers home purchase and refinance loans, including conventional, jumbo, FHA, VA and USDA options. Also does reverse mortgages, renovation loans, small business loans and HELOCs. Not available in Georgia or Massachusetts.	Write a review
No reviews	Mortgage lender licensed in 40 states plus Washington, D.C. Offers several types of purchase and refinance loans. Conventional, government-backed and non-QM options. Mobile app for applying and tracking the loan process.	Write a review
No reviews	Mortgage lender that operates in one state. Offers construction, jumbo, conventional, buyer's boost and first-time homebuyers loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 700 to 720.	Write a review
No reviews	Mortgage lender that operates in 45 states. Offers FHA, VA, HELOC, jumbo and USDA loan types. Origination fee of 0.5% to 1% of the loan. Minimum credit scores of 580 to 700.	Write a review
No reviews	Provides loans for home refinancing and purchases, including options for new construction and homes needing renovation. Offers conventional and government-backed mortgages. Online application process and 155+ branch locations.	Write a review
No reviews	Conforming conventional fixed- and adjustable-rate purchase loans. Jumbo loans available. Refinance loans, home equity loans and HELOCs. Pre-qualification available. Fast-track program helps qualified borrowers close in 25 days.	Write a review
No reviews	Mortgage lender that operates in three states. Offers VA, FHA, jumbo, construction and HELOC loan types. Origination fee of 0.5% to 1.5% of the loan amount. Minimum credit scores of 580 to 680.	Write a review
No reviews	Wide range of home loans, including conventional, jumbo, FHA, VA and USDA. Specialty programs. Nonconforming loans. Interest-only loans. Low-down-payment loans. Available in 37 states. Totally remote e-closings.	Write a review
No reviews	Online mortgage lender licensed in 47 states and Washington, D.C. No application, processing or underwriting fees. $5,000 on-time closing guarantee. Offers electronic closings. Purchase and refinancing options available.	Write a review
No reviews	Online mortgage lender. Serves all states except New York and Hawaii. Allows buyers to be all-cash buyers during the purchase process of single-family homes. Offers home loans and refinancing through New American Funding.	Write a review
No reviews	Direct mortgage lender. Serves CT, FL, NJ, NY and PA. Offers multiple purchase loan options, including conventional, VA, USDA and FHA loans. Also offers refinancing and reverse mortgages.	Write a review