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Best Mortgage Lenders and Refinancing Companies

by Michele Lerner Mortgage & Real Estate Contributing Editor

Updated on 03/26/2018

Whether you’re a first-time homebuyer, a landlord seeking rental properties or a real estate investor, you will probably need the help of a mortgage company to complete your property purchase.

Mortgage companies help people secure funding in the form of secured loans against residential or commercial property. Mortgage companies also help property owners refinance existing loans if they are having financial difficulties or might benefit from new terms.

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Compare Reviews for Top Mortgage Lenders Sort Most Popular Most Reviewed Best Rated
HomeDirect Mortgage	Read 1021 Reviews	This online only direct mortgage lender offers conventional, refinance and VA loans with applications submitted via a web application system. Conventional loans require minimum 620 credit score and at least 5.0% down payment.	Visit Website toll freenumber (855) 434-4763
Vanderbilt Mortgage	Read 1437 Reviews	This national lender specializes in manufactured, modular and mobile home financing. It offers conventional, land-home, FHA and bi-weekly advantage mortgages. Minimum down payment ranges between 3.5-25% of total purchase price.	Visit Website toll freenumber (855) 976-1445
Mr. Cooper	Read 7582 Reviews	This non-bank mortgage servicer offers conventional, HARP, FHA, VA and jumbo loans. It also provides access to an online app and no online transaction fees. Minimum down payment is 3.5%.	Visit Website toll freenumber (844) 505-4810
NewDay USA	Read 264 Reviews	This lender is 100% focused on the needs of veterans and only offers VA loans. Most loans are funded in 30 days or less. Company's executive team includes top retired military leaders.	Visit Website toll freenumber (855) 846-1149
Caliber Home Loans	Read 2594 Reviews	This full-service national mortgage lender requires a minimum 580 credit score and 3% down payment. It offers conventional, jumbo, FHA, USDA and VA loans.	Visit Website toll freenumber (855) 997-3037
J.G. Wentworth Home Lending	Read 227 Reviews	This direct mortgage lender offers conventional, fixed rate, adjustable rate, FHA, VA, USDA and HARP loans. No points or hidden fees. Minimum credit score of 580.
AmeriSave Mortgage	Read 2799 Reviews	This lender offers fixed rate, adjustable rate, FHA, jumbo, HARP, VA and USDA loans, along with cash-out refinances. A minimum credit score of 620 is required for conventional products; 600 for FHA, VA and USDA loans.	toll freenumber (855) 794-5993
Ocwen Financial Corp.	Read 2869 Reviews	This mortgage servicing company offers fixed rate, adjustable, FHA and HARP loans, plus 24/7 account access. As little as 3% down required with underwriting pre-approval in less than 24 hours.	Visit Website toll freenumber (855) 910-5789
ClearPath Lending	Read 663 Reviews	This nationwide mortgage lender offers VA, FHA, jumbo, HARP and conventional loans. No hidden fees. Most loans are funded within 30 days. Track loan progress via an online portal.	Visit Website toll freenumber (855) 980-6844
LendingTree	Read 1194 Reviews	This online marketplace connects consumers with lenders. Credit score of 640-750 required. FHA, VA, USDA and Community Homebuyer loans require a minimum down payment of 0-10%; conventional loans require a 5-20% down payment.	Visit Website toll freenumber (855) 782-2889
21st Mortgage Corporation	Read 773 Reviews	This full-service lender specializes in manufactured home loans. A minimum 600 credit score is required with a 5-35% down payment. Loan programs include fixed rates and no pre-payment penalties.	Visit Website toll freenumber (855) 534-5931
Quicken Loans	Read 4126 Reviews	This lender offers conventional, FHA, VA and jumbo loans along with fixed or adjustable rates. 580 minimum credit score required for FHA; 620 for VA and conventional. Fast, online application process with no additional fees.
Homebridge Financial Services	Read 727 Reviews	This national, privately held, non-bank lender requires minimum down payments of 0-20%. A minimum 550 credit score is required for government-backed loans. Conventional, VA, FHA and home mortgage loans available.	Visit Website toll freenumber (844) 707-8340
Jersey Mortgage Co.	Read 394 Reviews	This direct lender offers FHA, USDA, VA and first-time homebuyer loans along with reverse mortgages and mortgage refinancing options. Serves New Jersey, New York, Pennsylvania, Florida and Connecticut.	Visit Website toll freenumber (855) 598-3906
Network Capital Funding Corporation	Read 262 Reviews	This full-service direct lender boasts $0 lender fees. Close in as few as 15 business days with VA, FHA and HARP loans. A minimum credit score of 600 is required. Down payment of 5% for conventional loans.

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How to choose a mortgage lender

1. Get ready to apply for a mortgage

Before you apply for a mortgage, assess your situation and consider all the factors that will impact your mortgage financing options. Some mortgage lenders specialize in certain types of financing so start with a high-level list of must-haves before comparing lenders. Use our mortgage calculator to get an idea of how much house you can afford, then consider the following items to begin your mortgage lender search.

Calculate your monthly payment: Multiply your monthly take-home pay by 25% to determine your maximum mortgage payment. Remember that your total monthly mortgage payment will include principal and interest, property taxes, mortgage insurance and, in some cases, a homeowners association (HOA) fee.
Save up for your down payment: A down payment is an amount of money you pay upfront to secure a mortgage. How much you need to save for a down payment will depend on the type of mortgage loan you get and the price of the home you buy.
Improve your credit score: Check your credit score before you start shopping for a mortgage lender to avoid any surprises during the pre-approval process. Your credit history can affect your loan options and a higher credit score will usually get you a lower interest rate.
Select your property type: Are you shopping for a condo? Would you rather build instead? Some lenders specialize in loans for specific properties. Knowing what type of property you want to purchase can help you narrow down your mortgage lender options.
Get pre-approved: Getting a pre-approval letter from a mortgage lender can make the difference between having your offer accepted or rejected. Pre-approval means your lender has reviewed your financial statements and has decided that you can afford the house you want to buy. Many home sellers will require a pre-approval letter before they’ll accept an offer.

2. Look at all your mortgage financing options

When it’s time to compare your loan options you’ll need to consider the term of the loan, the type of interest rate you want and the type of loan you need.

Loan term: The term of the loan is how long you have to pay off the loan. Most homebuyers get a 15-year or a 30-year mortgage, but some mortgage lenders may offer other terms. A longer loan term will generally mean lower monthly payments. However, a shorter loan term will mean you’ll pay less in interest over the life of the loan.
Interest rate: Mortgage interest rates can be either fixed or adjustable. Adjustable-rate mortgages (ARMs) may start out low and change during the course of a loan, causing your monthly mortgage payments to fluctuate. Fixed-rate mortgages lock in the same interest rate during the life of the loan. The most common type of home loan is the fixed-rate mortgage since it provides a lower monthly payment for the same loan amount.
Mortgage points: Mortgage points, or discount points, are fees that you pay to your lender directly at closing to lower your interest rate. One mortgage point is equal to one percent of your loan amount, so one discount point on a $200,000 mortgage is $2,000. Figure out how long it will take you to break even by dividing the cost of your points by how much you’ll save every month. The number you end up with is the amount of months it will take you to break even. If you plan on staying in your home for that period of time or longer, then it’s worth paying the upfront discount points to save over the life of your loan.
Loan type: Mortgage loans come in three main types: conventional, FHA and special program loans. Conventional mortgages are loans that are not insured or guaranteed by the federal government and can have either a fixed or adjustable rate. FHA loans are insured by the Federal Housing Administration and come with lower down payment and credit score requirements than conventional loans. Special program loans like VA loans and USDA loans are also government-insured loans available to eligible homebuyers.

3. Shop around for special offers

Smart consumers shop around and take advantage of special offers when they’re available. Before you start gathering quotes, consider narrowing down your options to mortgage lenders offering specials or discounts. Some lenders offer military discounts, special savings for first-time homebuyers or discounts on closing costs. Some mortgage lenders will even match competitors’ rates to earn your business.

4. Compare Loan Estimates from at least three potential mortgage lenders

Mortgage lenders are required by law to provide a Loan Estimate within three days of receiving your application. To get the best possible rate on your mortgage, you should compare Loan Estimates from at least three potential mortgage lenders. All lenders are required to use the same Loan Estimate form, which makes comparing them easier. Review the following information that will be provided with each mortgage Loan Estimate you receive.

Loan amount: This is the total amount of money you’ll borrow for your mortgage loan. This amount could go up if your lender rolls some of your closing costs into your loan.
Interest rate: Make sure you’re getting the lowest interest rate possible, and hold on to your original Loan Estimate when it’s time to close to make sure you’re getting the rate you were originally offered.
Monthly projected payments: This section of the Loan Estimate breaks down the amount you’ll pay each month for principal, interest, mortgage insurance, the estimated escrow and how they’ll change over time.
Origination fees: Mortgage lenders charge loan “origination fees” for things like mortgage application and underwriting fees. Origination fees are usually a small percentage (between 0.5% and 2%) of the total loan amount, but some mortgage lenders offer fixed fees of $1,000 or less. You can try to negotiate these fees or shop around to find a mortgage lender that charges less.

5. Research the mortgage lender’s reputation

It’s wise to do a background check on the mortgage lender before you officially take the plunge. Ask for names and phone numbers of past clients and speak with them directly about their experiences with the lender. You’ll want to find a lender that is easy to communicate with and has a fast turnaround for delivering important forms and documents. Always read reviews and look for mortgage lenders that meet deadlines and help their customers avoid potential problems.

Mortgage questions to ask your lender

When should you refinance your mortgage?

You should refinance your mortgage if it will shorten your loan term and reduce your interest rate. To figure out if refinancing can save you money in the long term, divide your total closing costs by your monthly savings. This will tell you the number of months it will take for the refinance to pay for itself.

People usually refinance their mortgage to lower their monthly payments or get a shorter repayment term. You might choose cash-out refinancing to fund a large purchase or as a way to pay down other debt. Or you might consider refinancing as a way to consolidate existing debts. It may be your best option if you’re going through a divorce and you or your ex want to keep the home.

What is a good interest rate for a mortgage?

Historically, rates have hovered around 8 percent. Mortgage interest rates vary from year to year and tend to be higher when the economy is doing well. Interest rates have increased since the recession, with most homeowners paying at least 4.5 percent. You’ll get around the same interest rate with a conventional loan as you will with an FHA loan.

How do I get the best mortgage rate?

To get the best interest rate on your mortgage, you need to have excellent credit. Take the time now to pay off your credit cards, and don’t take out any new loans while you’re getting ready to apply for a home loan.

You can also get a better mortgage rate by getting an adjustable-rate mortgage (ARM) rather than a fixed-mortgage. Keep in mind, though, that your monthly payments will increase after the fixed-rate period ends if you opt for an ARM.

A higher down payment usually equates to a lower interest rate. Try to save up for a 20 percent down payment, so you can also avoid having to pay private mortgage insurance (PMI). If you can’t put down 20 percent, shoot for at least 5 percent, since that is usually where you’ll start seeing a decrease in interest rates.

How do you get rid of PMI?

If you have to put down less than 20 percent of your new home’s purchase price, you’ll have to pay private mortgage insurance (PMI), which protects the lender in case you stop making payments on your loan. Once your conventional loan balance has dropped to 78 percent of the value of your home, you can submit a written request to your lender asking for your PMI to drop off.

If your home’s value has increased to the point that you owe less than 78 percent of the value, you might be able to request for your PMI to be removed. You’ll need to pay for an appraisal to validate that the value of your home has increased. Many lenders won’t consider removing PMI until you have made payments for at least two years, so check with your bank or mortgage lender before getting an appraisal.

If you have an FHA loan, you have to keep paying PMI unless you refinance your mortgage to a conventional loan.

How do you get pre-approved for a mortgage?

To get pre-approved for a mortgage, you have to submit your W2, tax returns and pay stubs to your lender so they can verify your monthly income. Your lender will also want documentation of any other assets you have. They’ll use all this information to determine whether or not you can reasonably afford the loan you’re going to apply for. Keep in mind that the lender will do a hard pull on your credit, which means your credit score could take a small dip, so only get pre-approved when you’re serious about putting in an offer on a home.

What is better, fixed or adjustable rate mortgages?

The interest rate for a fixed-rate mortgage stays the same for the duration of the loan unless you refinance for a lower interest rate. Fixed-rate mortgages are popular because they keep your monthly payment steady and predictable. They’re available in 30- and 15-year terms.

In contrast, an adjustable-rate mortgage (ARM) has a fluctuating interest rate. There is an initial fixed rate interest period of 3-10 years in which interest rates tend to be lower than fixed-rate mortgages, but it’s hard to predict whether an ARM will cost more or less than a fixed-rate mortgage in the long run since the interest fluctuates month-to-month once the fixed-rate period ends.

What are the different types of mortgage lenders?

The most popular types of mortgage lenders are mortgage brokers, direct mortgage lenders and mortgage bankers.

A mortgage broker does not lend money to the borrower but instead helps facilitate communication between the borrower and the lender. The broker negotiates on the borrower’s behalf and does all the research required to get the best loan possible. If you have bad credit, you might want to use a mortgage broker who will shop around for the best loan option.

A direct mortgage lender offers you a loan directly rather than going through a broker. Most direct mortgage lenders handle everything in-house, including underwriting and closing the loan, so they can make the overall process of buying a home faster.

A mortgage banker is a type of direct lender that is part of a banking institution that focuses on mortgage lending. A mortgage banker uses their own funds to offer borrowers a mortgage. You might be able to get a better interest rate if you have multiple loans through the same bank.

What are the different types of mortgage loans?

Conventional loans

Conventional loans are not backed by a government agency and usually are offered on a 30-year fixed rate term. The down payment is generally 20 percent of the home price. You might be able to get a conventional loan by putting less money down, but you’ll pay a higher interest rate.

Conforming loans

Conforming loans are conventional loans that conform to the guidelines set up by Freddie Mac and Fannie Mae. They have lower interest rates than non-conforming loans, and their loan limits are around $417,000 in most areas.

Jumbo loans

Also called non-conforming loans or jumbo mortgages, jumbo loans are loans that exceed the maximum loan limits set by Freddie Mac and Fannie Mae. In most U.S. counties, jumbo loans start at $424,100. In high-cost housing markets, jumbo loans can start anywhere from $424,100 to $721,000. They require higher down payments than conforming loans and have comparable interest rates.

FHA loans

FHA loans are backed by the Federal Housing Administration and have a low down payment minimum of 3.5 percent for borrowers who have a credit score of at least 580. Borrowers with a lower credit score can still qualify for an FHA loan with a more substantial down payment. You have to pay private mortgage insurance (PMI) on an FHA loan, which can range from .3 percent to 1.5 percent of the original loan amount. PMI payments are rolled into your monthly mortgage payments.

VA loans

VA loans are guaranteed by the Department of Veterans Affairs. Qualifying active and retired military members can get a loan with no down payment. Lenders can set their own minimum credit score requirements and interest rates, so shop around to see which VA-approved lender can offer you the best interest rate.

USDA loans

The U.S. Department of Agriculture (USDA) offers loans to eligible rural and suburban homebuyers at low interest rates. Qualifying borrowers can get a loan without a down payment. Like an FHA loan, you’ll have to pay private mortgage insurance. The USDA prioritizes homebuyers with low income who aren’t able to secure a home loan through another source, regardless of their occupation.

Home equity loans

Current homeowners can apply for a home equity loan, which is essentially a second mortgage, if they have built up enough equity. These have lower interest rates than other types of loans, like credit cards and personal loans, so they can be a good option for those who need extra cash. Get a home equity loan as either a lump sum or as a home equity line of credit (HELOC).

Interest-only loans

Generally offered as adjustable rate mortgages, interest-only loans allow you to only make interest payments for the first 3, 5, 7 or 10 years of your loan. Once the interest-only period ends, you pay principal plus interest for the duration of your loan. Interest-only loans are not as widely available as other types of loans, like conforming loans, because homeowners ran into so many problems paying this type of loan during the recession.

Balloon mortgage loan

Often used for commercial construction loans, balloon loans are short-term loans (usually 5 or 7 years) with payments based on a 30-year loan. After your loan term is up, though, you have to pay the remainder of your loan in a lump sum. Homeowners with a balloon mortgage generally end up selling their home, converting their balloon mortgage to a conventional mortgage or refinancing their home at the end of their loan term.

Expert reviews for mortgage companies

This mortgage service provider offers a variety of mortgage products to help consumers find the best mortgage match for their needs. Options include fixed-rate and adjustable loans, refinancing loans and specialized loans for military members and luxury homebuyers.

This company offers several mortgage solutions, including VA/military, USDA and nonconforming mortgages. Consumers apply online for loans, and upon approval, they can download the documents and mail them to the company.

This mortgage loan company services New Jersey, New York, Pennsylvania, Florida and Connecticut. The company provides a variety of mortgage products, including VA and FHA loans as well as customized loans to meet most borrowers needs.

This online broker allows consumers and businesses to request and compare customized loan offers from a network of more than 350 lenders, banks and credit partners. The company's lender network offers a wide range of financial products including mortgages.

The loan servicing wing of this financial company is one of the largest mortgage companies in America. The company provides lending solutions including home loans, investment property loans and reverse mortgages to residential and commercial customers.

This mortgage company was founded with a merger from Caliber Funding and Vericrest Financial. They offer consumers assistance with home loans, home buying and refinancing.

This online bank that provies a full line of banking services, including mortgages. The bank does not have any physical branch locations, but it operates in all 50 states.

This privately owned mortgage lender offers options for homebuyers and homeowners looking to get a new mortgage or refinance their existing mortgage. They are based in California, and they are licensed to lend in 15 states across the country.

This financial company offers a variety of services, including home loans. It is licensed to offer mortgage products in 40 states. It is a direct mortgage lender

This company provides home loans and refinancing services for people with credit situations ranging from best to bruised. The wide variety of loan products includes FHA, USDA, and VA as well as Conventional, Jumbo and proprietary loan programs. Pacific Union operates more than 40 branches across the United States in addition to its four fulfillment centers in Texas, California, Virginia and North Carolina.

This direct lender is a division of Bank of Oklahoma Financial. It uses the latest technology like an online automated application system to help clients get the money and information they need as efficiently as possible.

This corporation provides mortgage programs for first-time homeowners, experienced buyers and wealthy customers alike. It operates in many U.S. states, including California, Texas, Virginia, Illinois and Florida.

This Arizona mortgage service helps qualified former or active military borrowers find VA approved loans or home mortgages. The company seeks to match military customers with lenders who can assist with filling out mortgage applications and obtaining a home mortgage.

Active or retired military: The company serves customers who are active military members or retired in the VA, so it is a good choice for anyone who formerly served or currently serves in the military.
Approved network: This company only works with lenders who are approved by the VA.
Customer service: While the primary focus is with online service, the company also offers personalized customer service options through the telephone or a direct email connection.
Simple online application: To find a loan, customers have to fill out their information on a straightforward online form, making the company's process simple and easy to initiate.
MBA member: The company is certified as a member in good standing of the Mortgage Bankers Association, which means it is a reputable organization with knowledgeable staff and online assistants.
Best for: current military members and former military members.

This company provides customers free mortgage quotes from a wide network of mortgage lenders. It also offers valuable information and educational guides for customers about home financing.

Huge lender network: The company has a network of over 150 lenders and it gives customers access to a large amount of potential mortgages from which to choose.
Free credit score: Customers who use their services get free credit score reports during the process.
Educational guides: The company has educational materials on subjects including basic information about taking out a mortgage and a glossary of common mortgage terms.
Short quote process: After customers fill out a brief form, they quickly receive a selection of five mortgage quotes.
Multiple contact avenues: Customers who want to get in touch or need support can contact representatives by phone, email and social media pages like Google Plus and Facebook.
Best for: people planning to purchase a home and homeowners looking to refinance their home.

Compare Reviews for Top Mortgage Lenders
Wells Fargo Mortgage	Read 1343 Reviews	This national lender requires a minimum down payment of 3% and a minimum credit score of 620. FHA, VA, jumbo, new construction, renovation and VA loans available along with adjustable and fixed rates.
Bank of America Mortgages	Read 2825 Reviews	This lender requires a minimum down payment of 3% with no reserve funds required in most situations. A minimum credit score of 660 is also required. FHA, VA, home equity and refinance loans are available.
First Internet Bank	Read 195 Reviews	This nationwide housing lender offers fixed rate, adjustable rate, FHA, VA, HARP, jumbo and home equity loans. Free personalized rate quotes delivered in under a minute.
Chase Mortgage	Read 1830 Reviews	This national lender offers fixed- and adjustable-rate loans for purchase, and refinance, FHA, jumbo, HARP and VA loans. A minimum 620 credit score and 3% down payment are required.
Ditech Financial	Read 3107 Reviews	This lender offers fixed and adjustable rates plus FHA, VA and manufactured home loans. Minimum down payment of 3.5% and a minimum credit score of 580 required.
Specialized Loan Servicing	Read 333 Reviews	This third-party mortgage servicer offers mortgage assistance programs including loan modification, forbearance plans, short sale, short pay and temporary payment suspension.
Guaranteed Rate Mortgage	Read 90 Reviews	National lender offering ARM, fixed, FHA, rehab/203K, VA, jumbo, interest-only and HARP loans. Minimum credit score of 620 for conventional loans; 580 for FHA and VA loans. Double Match program requires 1% down payment.
Pacific Union Financial	Read 140 Reviews	This full-service, national mortgage lender offers FHA, VA, jumbo, HARP, USDA and conventional loans. Minimum credit score required is 560.
Veterans United	Read 12 Reviews	This veteran-focused loan company only services VA home loans and VA refinance loans.
Bayview Loan Servicing	Read 170 Reviews	This national mortgage loan servicer offers loan modifications, forbearance plans, short sales, deed-in-lieus and foreclosure avoidance.
CitiMortgage	Read 989 Reviews	This national lender offers fixed-rate, adjustable-rate, FHA, VA and jumbo loans. A HomeRun mortgage is also available, which requires a low down payment. A minimum 3.5% down payment is required.
Arvest Central Mortgage Company	Read 93 Reviews	Services residential mortgages in western Arkansas, Oklahoma, Missouri and eastern Kansas. Assists homeowners experiencing financial hardship with repayment, forbearance, modification, pre-sale/short sale and deed-in-lieu.
Gateway Mortgage	Read 53 Reviews	This privately held national mortgage lender offers fixed and adjustable rates, first-time homebuyer, FHA, VA, and USDA loans in addition to state bond programs and specialized programs. Services 30 states.
BSI Financial Services	Read 181 Reviews	This mortgage loan servicer specializes in quality control, due diligence, loss mitigation and asset management. It participates in the Making Home Affordable loan modification program, which assists struggling homeowners.
Citizens One	Read 79 Reviews	This lender offers fixed-rate, adjustable-rate and jumbo mortgages in addition to FHA and VA loans. Doctor Loan program and Construction-to-Permanent financing program are also available.
Guild Mortgage Company	Read 96 Reviews	This lender offers fixed and adjustable rates plus conforming and non-conforming, jumbo, FHA, USDA and VA loans. Down-payment assistance programs are available. A minimum 680 credit score and 1% down payment required.
PHH Mortgage	Read 351 Reviews	This national, non-bank lender offers fixed-rate purchase along with refinancing, conventional, HARP, VA, FHA and jumbo loans. Loans require a 3% down payment and minimum 680 credit score.
Provident Funding Associates	Read 149 Reviews	This mortgage company offers home loans and refinancing options, including fixed-rate loans, adjustable-rate mortgages, super conforming loans and jumbo loans. A minimum 3% down payment is required.
Suntrust Mortgage	Read 354 Reviews	This lender offers fixed- and adjustable-rate mortgages plus FHA, VA, USDA and jumbo loans. High-cost home financing, agency affordable financing and doctor loan programs also available. Requires a 620 minimum credit score.
PNC Mortgage	Read 239 Reviews	This lender offers fixed- and adjustable-rate mortgages in addition to jumbo, FHA and VA loans. A minimum down payment of 3% and a minimum 660 credit score are required.
Capital One Mortgage	Read 120 Reviews	This national lender continues to serve existing loans but does not write new loans. They have refinancing, reinstatement, repayment and modification plans for homeowners who need help keeping up with mortgage payments.
CashCall Mortgage	Read 37 Reviews	This lender offers purchase and refinance loans and FHA- and VA-backed mortgages. A 680 minimum credit score is required.
Midland Mortgage	Read 122 Reviews	This division of a federally chartered savings association offers mortgage assistance and loan modification.
Mortgage Lenders of America	Read 10 Reviews	This lender offers VA, FHA, FHA 203(h), USDA and conventional loans. A 620 minimum credit score and 3% down payment required.
Fannie Mae	Read 105 Reviews	This financing source for mortgage lenders offers a range of mortgage products including Home Ready, 97% LTV and Community Seconds. A minimum 620 credit score and 3% down payment required.
Everhome Mortgage Company	Read 174 Reviews	This lender offers fixed- and adjustable-rate mortgages along with FHA, VA, traditional, HARP and jumbo loans.
HSBC Mortgage	Read 413 Reviews	This lender offers fixed- and adjustable-rate mortgages, plus VA, FHA and SONYMA loans, which are available to New York State first-time homebuyers. A 3% minimum down payment and 580 credit score are required.
Regions Mortgage	Read 38 Reviews	This lenders offers FHA, VA, first-time homebuyers, HARP, construction-to-permanent and renovation loans at fixed and adjustable rates. A minimum 3% down payment is required.
1st Choice Mortgage	Read 6 Reviews	This lender specializes in FHA loans and also offers a 3% down purchase program, lease-purchase, bank statement loans, rental property loans and bankruptcy buyouts.
Network Funding	Read 12 Reviews	This lender offers conventional, FHA, jumbo, USDA and VA loans with a minimum 3% down payment. A minimum 620 credit score is required.
Americas Servicing Company	Read 101 Reviews	Mortgage products include VA, FHA, jumbo, reverse and piggyback loans at fixed and adjustable rates. A minimum 3.5% down payment and 580 credit score are required.
Coldwell Banker Mortgage	Read 21 Reviews	This national lender offers fixed- and adjustable-rate mortgages, and hybrid, FHA and VA loans. A minimum 580 credit score and minimum down payment of 3% are required.
First Meridian Mortgage Corporation	Read Reviews	This lender serves homebuyers in Virginia, Maryland and Washington, D.C. with conventional, VA, FHA, government, non-conforming, home-equity and home-improvement loans. A minimum 3.5% down payment is required.
Household Finance	Read 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.
Residential Credit Solutions	Read 179 Reviews	Residential Credit Solutions no longer services loans.
Guide To Lenders	Read Expert Review	This free personal loan aggregator helps aspiring homebuyers find the best deal for their mortgage by comparing up to 5 mortgage lenders at a time.
VARateLock.com	Read Expert Review	This mortgage service helps qualified veteran or active military borrowers find VA-approved loans.
Litton Loan Services	Read 951 Reviews	Out of Business As of September 1, 2011, Litton Loan Servicing LP operates as a subsidiary of Ocwen Loan Servicing, LLC.

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.

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Michele Lerner Mortgage & Real Estate Contributing Editor

Michele Lerner, author of “HOMEBUYING: Tough Times, First Time, Any Time”, has been writing about personal finance and real estate for more than two decades. Michele writes for regional, national and international publications in print and online for a variety of audiences including consumers, real estate investors, business owners and real estate professionals.